FEMA FEMA Individual Assistance Programs 1 — Questions and Answers
Question 1: What is FEMA's Individuals and Households Program (IHP)?
- A program providing financial and direct services to disaster survivors who cannot meet basic needs (Correct answer)
- A program for federal employee disaster benefits
- A homeowner's insurance replacement program
- A FEMA staff housing allocation program
Correct answer: A program providing financial and direct services to disaster survivors who cannot meet basic needs
IHP provides financial assistance and direct services to eligible individuals and households affected by disasters.
Question 2: Which component of FEMA's IHP provides funds for temporary housing after a disaster?
- Housing Assistance (HA) (Correct answer)
- Other Needs Assistance (ONA)
- Public Assistance (PA)
- Hazard Mitigation Grant Program (HMGP)
Correct answer: Housing Assistance (HA)
Housing Assistance under IHP covers temporary housing costs, including rental assistance and repairs to primary residences.
Question 3: What is the maximum IHP Housing Assistance amount adjusted for annually by FEMA?
- It is adjusted based on the Consumer Price Index (CPI) each year (Correct answer)
- It is a fixed $10,000 that never changes
- It is determined solely by the state governor
- It is unlimited based on need
Correct answer: It is adjusted based on the Consumer Price Index (CPI) each year
FEMA adjusts IHP maximum amounts annually using the Consumer Price Index to account for inflation.
Question 4: What does FEMA's Transitional Sheltering Assistance (TSA) program provide?
- Temporary hotel or motel accommodations for disaster survivors who cannot return to their homes (Correct answer)
- Long-term housing vouchers
- Mobile home units only
- Assistance for federal employees displaced by disasters
Correct answer: Temporary hotel or motel accommodations for disaster survivors who cannot return to their homes
TSA allows eligible survivors to stay in participating hotels or motels paid by FEMA while they seek longer-term housing.
Question 5: To be eligible for FEMA Individual Assistance, a survivor's home must be their:
- Primary residence (Correct answer)
- Second home or vacation property
- Investment property
- Any property they own
Correct answer: Primary residence
FEMA Individual Assistance is available only for primary residences — vacation homes and investment properties are not eligible.
Question 6: What is FEMA's role when a survivor has insurance coverage for their disaster losses?
- FEMA may provide assistance for needs not covered by insurance after the insurance claim is settled (Correct answer)
- FEMA pays first and recovers from the insurance company later
- FEMA denies all assistance to insured survivors
- FEMA replaces the insurance policy entirely
Correct answer: FEMA may provide assistance for needs not covered by insurance after the insurance claim is settled
FEMA assistance is a supplement of last resort — survivors must first use their insurance before FEMA provides gap coverage.
FEMA FEMA Individual Assistance Programs 1
What is FEMA's Individuals and Households Program (IHP)?