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Con   gressionol Research Service
Informing the IegisIative debate since 1914


Updated March 22, 2024


A   Brief Overview of FEMA's Individual Assistance Program


Following an incident, the Federal Emergency Management
Agency  (FEMA)  may implement the Individual Assistance
(IA) program to assist disaster survivors when the President
authorizes such assistance pursuant to a declaration of
emergency or major disaster under the Robert T. Stafford
Disaster Relief and Emergency Assistance Act (Stafford
Act; P.L. 93-288, as amended; 42 U.S.C. §§5121 et seq.).

IA  Programns
FEMA   may provide the following forms of IA:

The Crisis Counseling Assistance and Training Program
(CCP; 42 U.S.C. §5183; 42 U.S.C. §5192(a)(6)) assists
individuals through community-based outreach and the
provision of services (e.g., crisis counseling, psycho-
education, coping skills development) following an
emergency or major disaster. FEMA provides grant funding
to enable state, local, territory, and tribal governments
(SLTTs) to provide CCP services or contract with local
mental health service providers to offer such services.

Disaster Case Management   (DCM; 42 U.S.C. §5189d)
partners case managers with disaster survivors to develop
and implement disaster recovery plans that address the
survivor's unmet needs following a major disaster. FEMA
provides direct assistance or grant funding to SLTTs or
qualified private organizations to provide DCM.

Through Disaster Legal Services (DLS; 42 U.S.C. §5182),
attorneys provide free legal advice, counseling, and
representation to low-income individuals to help them
secure benefits or make claims arising from a major
disaster. FEMA and the American Bar Association's Young
Lawyers Division have an agreement to provide DLS.

Disaster Unemployment   Assistance (DUA; 42 U.S.C.
§5177) provides temporary unemployment benefits and re-
employment  assistance to individuals who were employed
or self-employed and were rendered jobless or whose
employment  was interrupted as a direct result of a major
disaster, and are ineligible for regular unemployment
compensation. DUA  is funded by FEMA, administered by
the affected state/territory's unemployment compensation
agency, and overseen by the U.S. Department of Labor.

Through the Individuals and Households Program  (IHP;
42 U.S.C. §5174; 42 U.S.C. §5192(a)(6)), FEMA provides
financial and/or direct assistance for housing, and FEMA
(or the state/territory/tribe with a grant from FEMA)
provides financial assistance for other needs-referred to as
Other Needs Assistance (ONA), to eligible disaster
survivors who have uninsured or under-insured necessary
expenses and serious needs resulting from an emergency or


major disaster, which cannot be met through other means or
forms of assistance.

The federal government provides 100% of the funding for
CCP, DUA,  DLS,  DCM,  and IHP-Housing Assistance.
However, IHP-ONA   is subject to a statutorily set 75%
federal and 25% nonfederal cost share, borne by the
state/territory/tribe.

For more information on FEMA's IA program, see CRS
Report R46014, FEMA  Individual Assistance Programs: An
Overview.

Requesting and Authorizing IA
There is no threshold or trigger that automatically
authorizes IA. Federal assistance is intended to
supplement-not  supplant-the local, state, territory, or
tribal government's response and recovery efforts. Thus,
the governor of an affected state or territory or the chief
executive of an affected tribal government must request that
the President declare an emergency or major disaster
authorizing IA. Using information submitted by the
governor or chief executive in their major disaster
declaration request, FEMA evaluates specific factors to
determine whether there is a need for supplemental federal
assistance to individuals (i.e., IA). FEMA then provides a
recommendation  to the President, who has sole discretion to
authorize a declaration that provides IA (the declaration
approval may limit the types of IA that are authorized).

IA  Factors
There are two sets of IA factors FEMA may consider: one
applies to governors' requests (see 44 C.F.R. §206.48(b)),
and one applies to chief executives' requests (see FEMA's
Tribal Declarations Pilot Guidance, January 2017).

Factors for Evaluating  Governors'  Requests
FEMA's  factors for evaluating governors' requests are:

State Fiscal Capacity and Resource Availability: FEMA
considers the availability of government and private-sector
resources, and the circumstances that contributed to the
state/territory having insufficient resources, potentially
necessitating supplemental federal assistance. FEMA
evaluates:

    (1) Fiscal Capacity (a principal factor for considering
    the need for the IHP), which indicates the
    state/territory's ability manage disaster response and
    recovery. FEMA  considers the state/territory's ability
    to raise revenue for disaster response and recovery
    based on either total taxable resources (TTR) or gross
    domestic product (GDP), as well as per capita personal

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