FEMA Raises Disaster Housing Aid Cap to $44,800
Published Date: 9/29/2026
Notice
Summary
Starting October 1, 2025, FEMA is raising the maximum help you can get after a disaster to $44,800 for housing and $44,800 for other needs. This boost helps folks affected by emergencies or major disasters get more support, thanks to a 2.9% cost increase. If you’re dealing with disaster recovery, this means more money to rebuild and recover!
Analyzed Economic Effects
2 provisions identified: 2 benefits, 0 costs, 0 mixed.
Higher FEMA IHP caps: $44,800 housing and other needs
If you are affected by an emergency or major disaster declared on or after October 1, 2025, FEMA’s Individuals and Households Program (IHP) maximum is $44,800 for housing assistance and $44,800 for other needs assistance. FEMA based this increase on a 2.9% rise in the Consumer Price Index for All Urban Consumers for the 12 months ending August 2025.
Group Flood Insurance Policy coverage limit raised
For disasters declared on or after October 1, 2025, the notice increases the maximum amount of available coverage under any Group Flood Insurance Policy (GFIP) issued, in accordance with 44 CFR 61.17(c). The change follows the same 2.9% Consumer Price Index adjustment used for IHP amounts.
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Key Dates
Department and Agencies
Related Federal Register Documents
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