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WHAT IS
INDIVIDUAL
ASSISTANCE
(IA)?


Incident


   S


Individuals and Households Program (IHP)

Disaster Case Management

Crisis Counseling Assistance &Training Progra  *


      Disaster Unemployment  Assistance

O     Disaster Legal Services


Federal and SLTT officials     Governor or Tribal
conduct Joint Preliminary    Chief Executive submits
Damage  Assessment (PDA)       declaration request


Local Assessment


PDA Findings


' State Fiscal Capacity and Resources Availability*
'Uninsured Home  and Personal Property Losses*
'Disaster Impacted Population Profile
' Impact to Community Infrastructure
' Casualties
' Disaster Related Unemployment


FEMA  provides assistance for housing
and FEMA or STT provides assistance for
other needs to disaster survivors
SLTTs and NGOs administer programs
and provide services to support disaster
survivors

ABAYoung  Lawyers Division provides
free legal services to disaster survivors


President issues declaration
   or denies the request


     FEMA evaluates declaration
         request and makes
r   recommendation to President


' Tribal Nation Capacity and Resources to
Respond   to the Disaster
' Uninsured Home and  Personal Property
Losses  and Pre-Existing Condition
' Disaster Impacted Population Profile
• Impact to Community Infrastructure
and  Cultural Facilities


  STT may appeal decision
regarding declaration, eligible
counties, and types of work


     STT may request
additional eligible counties
  and types of assistance


' Disaster Related Unemployment
' Displaced Households and Availability
of Housing  Resources
' Unique Conditions That Affect Tribal Nations
' 36-month Disaster History or Recent Multiple
Disasters That Impacted the Nation
' Other Relevant Information


SLTTs/NGOs
(administer programs
and provide services
to support disaster
survivors)


Individuals/


Households
(request IHP
assistance for their
disaster-caused
housing and other nee


                                                   FEMA provides    FEMA provides
                                                   written approval/ Notice of Award  Conduct work/
 Meet eligibility Complete needs Submit federal      denial and    and Conditions      satisfy award  Complete federal
   conditions     assessment    award application   justification     of Award         requirements    grant closeout










Meet eligibility Submit application      FEMA  verifies       FEMA provides          May appeal        Use assistance
    criteria  online, phone, or Disaster disaster-caused   Eligibility Letter and FEMA's determination  for disaster
eds)           Recovery Center (DRC)         losses         financial assistance                          recovery


FEMA   Identifies     IHP Applicant
and  Verifies              Requests  Appeal
Potential Debt       or Does not Appeal


FEMA   Provides
Written  Notice
of Potential Debt
to IHP Applicant


if they appeal
' submit written appeal
or request oral hearing
If they do not appeal
' debt becomes final


FEMA   Appeal
Determination:
FEMA  Grants Appeal:
Reason for Debt
• FEMA terminates debt and
  returns money
FEMA  Grants Appeal: Amount
• FEMA returns excess money orc
  remaining portion of reduced de
FEMA  Denies Appeal
' debt becomes final and must be


          IHP Applicant  Pays Debt
          or FEMA  Waiver
          IHP Applicant pays debt in
          full or debt compromise
          ' unpaid debts are referred
          to  Treasury for collection
          FEMA  must waive recoupment
ollects   if the IHP assistance:
dbt       (1) was distributed based on an error
             by FEMA and such debt shall be
             construed as a hardship; and
          (2) is subjectto a claim or legal action.


Sources: CR5's interpretation of Stafford Act Sections 408 (42 U.S.C. §5174); 410 (42 U.S.C. §5177); 426 (42 U.S.C. §5189d); 416 (42 U.S.C. §5183);
415 (42 U.S.C. §5182); 502(a)(6) (42 U.S.C. §5192(a)(6)); 42 U.S.C. §5174a; Title 44 ofthe Code of Federal Regulations, including Subchapter D,
Part 206, Subparts B, D, and F;44 C.F.R. §206.48(b); FEMA, TribalDeclarations Interim Guidance, FP 104-009025-001, December 2024; and FEMA,  . R S
Individual Assistance Program and Policy Guide (IAPPG), v. 1.1, FP 104-009-03, May 2021.
Information as of May 29, 2025. Prepared by Elizabeth M. Webster, Specialist in Emergency Management and Disaster Recovery; and Brion Long,
Visual Information Specialist. For more information, see CRS In Focus 11298 (https//www.crs.gov/Reports/IF1 1298).

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