How To Get Help After a Flood Without Flood Insurance

5/28/2021 (Permalink)

Flood damage

While some areas across the United States are in designated flood zones requiring flood insurance, not every location at risk of flooding has such requirements. When a homeowner experiences a flood in one of these locations, they can feel abandoned by their insurer and government, but depending on the severity of the flooding, you might have options.
If you are unsure of available disaster relief programs in your area, you can reach out to a restoration specialist in Ogden, UT, for guidance. They will likely point you to one of four potential organizations or programs.

4 Potential Organizations or Programs That Will Help After a Flood

1. FEMA Grants

The Federal Emergency Management Agency or FEMA is in charge of coordinating governmental response during natural disasters and more. If the flood you experienced was designated a disaster by the federal government, you might be eligible for grants. To learn more, reach out to a government representative and ask about the designation of your location.

2. SBA Loans

The Small Business Association does not only provide loans to business owners. During times of crisis, the SBA can and will provide loans to qualified applicants without flood insurance. The loans can only be used for your primary residence, and they can come with terms of up to 30 years.

3. Local Emergency Management Services

Every state, county, and local government has its own protocols for responding to disasters, including some programs to help people who need it most. While a local flood plane can be a precipice for a larger scale disaster, flood zones with minimal risks don’t often require preventative insurance. Your local emergency management department, however, might have planned for such emergencies or developed financial aid programs.

4. Nonprofit Organizations

During times of crisis, nonprofit organizations tend to step up to help. These services might offer shelter or one-on-one support to those who need it most.

Flood insurance is nice to have, and it can make the recovery process much easier. However, it is not your only option for finding help.