Temporary working capital

Reminder: Applications for FEMA must be submitted by October 25th.

Homeowners, tenants and business owners who have suffered uninsured or underinsured property damage from wildfires in Lassen, Nevada, Placer, Plumas, Tehama and Trinity counties have less than two weeks to request disaster assistance.

The deadline to apply for disaster assistance from the Federal Emergency Management Agency (FEMA) and the US Small Business Administration (SBA) is October 25, 2021.

FEMA assistance can include funds for temporary accommodation while you cannot live in your home, such as rent assistance or reimbursement of hotel expenses; funds to support the repair or replacement of owner-occupied houses that serve as the primary residence of the household, including private access routes, such as driveways, roads or bridges; and funds for disaster-caused expenses and serious needs, such as repair or replacement of personal property and vehicles, funds for moving and storage, medical, dental, child care and other miscellaneous items.

Survivors are encouraged to file insurance claims for damage to their homes, personal property, businesses, and vehicles before seeking assistance from FEMA. The easiest way to apply is online at Disaster Assistance.gov. Survivors who may need to request accommodation or have additional questions can call the FEMA helpline at 800-621-3362 (TTY 800-462-7585) 4 a.m. to 10 p.m. PT, seven days out of seven. Multilingual operators are available.


Applicants for disaster assistance must have the following information before registration: social security number; address of the damaged main residence; information on insurance coverage; current telephone number and mailing address; and bank account and routing numbers for direct deposit of funds.

For disaster damage to private property that is not fully covered by insurance, the SBA may be the best option. The SBA is the primary source of federal funding for long-term disaster recovery. Homeowners may be eligible for a disaster loan of up to $ 200,000 for structural repairs or reconstruction of the primary residence. SBA may also be able to help homeowners and renters with up to $ 40,000 to replace important personal property, including automobiles damaged or destroyed in the disaster. Businesses and nonprofits may be eligible to borrow up to $ 2 million for disaster repair costs and working capital needs.

For more information on the SBA process, visit DisasterLoanAssistance.sba.gov, call the SBA Customer Service Center at 800-659-2955, or email [email protected]. People who are deaf or hard of hearing can call 800 877-8339.

Survivors should update their contact information as soon as possible, as FEMA may need to contact them to perform virtual home inspections or obtain additional information. FEMA encourages survivors to apply for direct deposits of disaster assistance at their financial institution. Survivors should notify FEMA as soon as possible of any changes to their postal or banking information.


Disaster assistance is not a substitute for insurance and cannot compensate for all losses caused by a disaster. The assistance is intended to meet basic needs and to complement disaster recovery efforts.

For more information on the California takeover, visit fema.gov/disaster/4610 and Cal OES ‘ wildfirerecovery.caloes.ca.gov.

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