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