38% Prepared

#43 What Really Happens After A Disaster Strikes Part 2: Understanding Other Needs Assistance & Temporary Housing

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In this continuation of the 38% Prepared Podcast series on disaster recovery, hosts Angie and Leigh discuss  FEMA's individual assistance programs that become available after a federally declared disaster.


What You'll Learn:

  • The difference between Other Needs Assistance (ONA) and Temporary Housing Assistance

  • What ONA covers beyond property damage (like medical costs and funeral expenses)

  • How Temporary Housing programs work — from rental aid to hotel coverage

  • What FEMA’s Home Repair Assistance includes (including accessibility and mold remediation)

  • Why not all disasters qualify for FEMA help

  • The importance of the “no duplication of benefits” rule

Key Programs Covered:

  • ONA: Personal property, vehicle, medical/dental, funeral, childcare, tools, and more

  • Temporary Housing: Rent assistance, hotel stays, trailers, and utility support

  • Home Repair Assistance: Structural repairs, accessibility updates, plumbing/electrical fixes

ImportantReminders:

    • FEMA assistance is only for federally declared disasters
    • You must be a U.S. citizen, non-citizen national, or qualified alien
    • Primary residence requirement applies
    • Apply as soon as possible - don't self-determine eligibility
    • Keep all documentation and receipts


    • Remember: The first step in preparedness is thinking - and taking notes!


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