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Communities participating in the Community Rating System (CRS) are required to use the FEMA Online Elevation Certificate, FEMA Form FF-206-FY-22-152 (formerly 086-0-33).
FEMA provides assistance to applicants for their uninsured or underinsured disaster-caused expenses and serious needs. Applicants are required to inform FEMA of all insurance coverage that may be available to them including flood, homeowners, vehicle, mobile home, medical, burial, etc.
If you have already received funds from another source for your disaster recovery, FEMA may find you ineligible. FEMA also does not provide replacement-value amounts for damaged items or assistance with non-essential items. FEMA provides assistance only for repairs to make a home safe, sanitary and functional.
FEMAs 80% rule states that property owners must insure their property for at least 80% of its value, or up to the maximum building coverage limitthats $250,000 for homes and $500,000 for commercial propertywhichever is less.
Call the FEMA Helpline at 800-621-3362.
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In some cases, FEMA may help pay for costs your insurance didnt cover, up to FEMAs maximum award amounts. For Fiscal Year 2024, these maximum amounts are $42,500 for Housing Assistance and $42,500 for Other Needs Assistance.
FEMA provides assistance to applicants for their uninsured or underinsured disaster-caused expenses and serious needs.

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