The Federal Emergency Management Agency (FEMA) is a US government agency that is tasked with responding to emergency occurrences, which overwhelms the available resources from the local and federal authorities. According to Pralle (2019), FEMA is mandated executive orders under the US Department of Homeland Security to respond to what they term as major disasters. FEMA offers individual programs, among other response packages to the United States citizens.
One individual program that FEMA uses to offer individual assistance is Home/ Primary Residence. Under this package, the agency assists families and individuals who have accidentally lost their homes a disaster declared by the presidency. Both homeowners and tenants are eligible for this assistance. Business loan assistance is yet another individual assistance that FEMA offers to the United States citizens. Under this one, the agency enters into partnerships with the Small Business Administration (SBA) to assist individuals whose businesses have suffered losses as a result of significant disasters. As a result of this partnership, the affected individuals get to access low-interest loans to redeem the damages to their businesses.
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FEMA also offers individual assistance to a category of issues categorized under 'other needs.' Such include the needs that triggered expenses on an individual as a result of a major disaster. The issues under this category include general medical expenditure, dental care, childcare, and education, funeral expenses, loss of crucial household items, storage, and moving expenses, vehicle damage, and clean-up expenses. The Federal Emergency Agency offers this range of individual assistance only to eligible applicants. One must apply for primary home assistance, a business loan to receive assistance. Upon application, the agency inspects to ascertain the extent of damage and the eligibility of the applicant. After inspection, the agency deposits money to the account of successful applicants. Additionally, the agency mails them with a comprehensive guide on how to spend the money to indemnify themselves from the damage impacts.
References
Pralle, S. (2019). Drawing lines: FEMA and the politics of mapping flood zones. Climatic change , 152 (2), 227-237.
Federal Emergency Management Agency, Individual Assistance Program and Policy Guide (IAPPG), FP 104- 009-03, March 2019.
