Financial help after a disaster

1

Your insurance

Homeowners, renters, auto, and flood policies are usually the biggest source of help. Ask about additional living expenses right away. See Working with insurance.

2

Government programs (declared disasters)

These programs open only when a disaster is officially declared for your area. A single house fire usually isn’t declared, but large floods, wildfires, and storms often are.

• Disaster Unemployment Assistance may be available if the disaster cost you your job or income. Ask your state unemployment office.
• IRS disaster tax relief can extend filing deadlines in declared areas. irs.gov ↗

3

Local and nonprofit help

• Disaster Victim Services provides short-term relief in the first five days. Call (480) 349-7300.
• American Red Cross helps after home fires and disasters. 1-800-RED-CROSS.
• 2-1-1 connects you to local help with rent, utilities, food, and clothing. Dial 2-1-1 or visit 211.org.
• Faith-based and community groups such as The Salvation Army, Catholic Charities, St. Vincent de Paul, and local churches often help with clothing, furniture, and gift cards.
• Your state may have its own programs. See your state page.

4

Protect your finances

• Call your mortgage servicer or landlord early. Ask about payment relief or forbearance options.
• Call your utilities to pause service and billing at a home you can’t live in.
• Be careful with crowdfunding. Only donate to or set up campaigns run by people you know.