Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

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Are you eligible for FEMA benefits after a disaster even if you don’t have home insurance? Yes, there is disaster relief available through this entity whether you have home insurance as not.

Take a look at the details about FEMA and how the benefits typically work by reading through our unofficial “no homeowners insurance and FEMA benefits” guide.

Also, be sure to find the very best homeowners insurance coverage at a price that you can afford by entering your zip code in above for free insurance quotes!

FEMA: History & Purpose

FEMA is the Federal Emergency Management Agency, an agency of the U.S. Department of Homeland Security. The mission of this organization, started in 1979, is to coordinate the response to a disaster, particularly if it goes beyond the resources of local management.

In order for FEMA to step in, a state’s governor must declare a “state of emergency” and make a request.

FEMA faced a great deal of criticism after Hurricane Katrina hit New Orleans in 2005. The question was often asked in 2005 and the year following, “What has the government does for me lately?”

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FEMA Today—What has it done for you lately?

That leads us to today in the 2010 era. Indeed, what can FEMA do for you, the everyday homeowner? What FEMA benefits can you expect in the event of a local disaster? First, understand that there are some benefits that you can expect from FEMA, although you do have to take the initiative in asking for them.

FEMA has started a callout program to various people that have been hit in hurricane and flood-prone areas. In order to start communication, citizens should submit an application showing that they lived in a disaster area and await a call from FEMA.

The FEMA worker will want to know details of your case and so will interview you regarding your current housing situation. Financial aid is determined based on careful consideration of conditions and resources available after the disaster. Some users may be able to apply online through the FEMA website or through a toll-free number.

It is important to note that if your home was damaged due to a disaster, and you have homeowners insurance, that you must process your insurance claim first and then proceed to contact FEMA with a record of your insurance company’s response as to settlement or denial.

At this point, a FEMA representative will evaluate the house and decide if you qualify for assistance. You can also appeal a denial within 60 days of notice. If the insurance company does settle, but sends you a check that’s substantially less than you hoped for, then you can contact the insurance agent and then talk to FEMA.

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FEMA Helps Homeowners Even When Insurance Runs Out

FEMA may be able to help cover the losses that are uninsured. However, FEMA does not cover insurance deductibles. It is also important to understand that FEMA cannot give you money for damages that your insurance company has already taken care of.

Instead, this government agency attempts to help citizens with their needs that cannot be covered by any other entity. Therefore, if you have insurance then you should contact your insurance agent to file a claim, please do this as soon as possible. If you do not file a claim with your insurance company FEMA help may be limited.

Obviously, if you have no homeowners insurance then, as is implied and sometimes said outright by FEMA’s own words, you still have options open to you. While insurance is the main source of compensation from home damages, the FEMA organization does have disaster programs in place to those individuals who cannot afford insurance.

In fact, citizens don’t even have to wait before applying for federal aid. All that is required is that you keep receipts and other important documents. FEMA does not discriminate against the poor or the rich; this is not the same thing as welfare. Even in the “worst case scenario” (as in you’ve already started repairing your home using your own money) you can still apply for FEMA assistance.

FEMA Benefits

What are some of the benefits that FEMA offers people who have been misplaced by natural disasters or other state emergencies? Citizens can expect paid claims, emergency lodging, loans and even assistance for apartment-dwellers. Even undocumented immigrants, if they live with a registered U.S. citizen (or legal alien), are not necessarily be disqualified under FEMA’s rules.

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FEMA Redeems Itself by Helping the Homeless and Displaced

The message has been heard loud and clear. The mistakes of the past have served as an invaluable lesson. The Federal Emergency Management Agency is spreading the word that they can be of assistance to families that have suffered because of storms, floods, and other disasters.

FEMA even announced in a press conference, “Disaster assistance is not charity. This is federal taxpayer money set aside specifically for disaster assistance.” If your state has been gravely affected by a disaster then consider your options with FEMA.

Still, having home insurance in place is important. It offers one more line of defense for homeowners, and remains a requirement of lenders. If you don’t have a home insurance policy you can use our rate quote tool to get free insurance quotes now!