Fact Sheets

FEMA and SBA Work Together to Help Your Recovery

FEMA often refers disaster survivors to the U.S. Small Business Administration (SBA) to submit an application for a low-interest disaster loan. Disaster loans are an important part of the federal assistance process and can help homeowners, renters, businesses of all sizes and some nonprofits recover.

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Damage from Hurricanes Ian and Nicole Require Separate FEMA Applications

When two or more disasters are declared in the same state, FEMA ensures survivors receive all eligible assistance while preventing a duplication of federal benefits. One way the agency achieves this is to require a separate application for each disaster. If you have property damage or loss from Ian and then received it again as a result of Nicole, you will need to complete two separate disaster assistance applications.

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What to Expect After You Apply for FEMA Assistance

If your primary residence is in Brevard, Flagler, Lake, Putnam, St. Johns, or Volusia counties and your home and/or personal property was damaged by Hurricane Nicole, FEMA may be able to help with disaster-related assistance or other essential disaster-related needs not covered by insurance.

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FEMA Assistance for Florida Hurricane Ian Survivors

Florida hurricane survivors may be eligible for disaster assistance under FEMA’s Individuals and Households Program (IHP). Eligible applicants may qualify for rental assistance, basic home repairs, personal property losses and other eligible expenses related to storm damage. Some of the requirements that must be met are that the address be your primary residence in one of the following 26 counties; you occupied the home before and during the storm and you incurred loss and expenses directly related to Hurricane Ian. The counties are Brevard, Charlotte, Collier, DeSoto, Flagler, Glades, Hardee, Hendry, Highlands, Hillsborough, Lake, Lee, Manatee, Monroe, Okeechobee, Orange, Osceola, Palm Beach, Pasco, Pinellas, Polk, Putnam, Sarasota, Seminole, St. Johns and Volusia.

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Charlotte County Recovery at a Glance

Since the federal disaster declaration for Hurricane Ian, Charlotte County residents have received more than $239.5 million in federal funds as of Dec. 12, 2022:

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In an effort to keep FEMA.gov current, please see the content archive for information prior to January 20, 2021.

Last updated November 2, 2020
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