Friendly reminder to listen VERY VERY CRITICALLY if someone tries to convince you not to register for federal disaster assistance following a declared disaster. Helene is still moving north and I see the usual rants picking up steam already.
That person trying to win social commentary points online is not your friend. That person can’t give you funds for house repair or to restock on food and meds. And if they say they can - that is a scammer and not someone you can trust.
Scammers and developers trying to take advantage after a disaster intentionally spread rumors/misinformation to convince survivors not to apply for federal disaster assistance. Many well meaning people pick this misinformation up and spread it further without understanding how the assistance process works. It’s happened more and more over the years and it will happen with Helene.
If you do not apply for assistance, you lose the chance to receive federal funds. APPLY APPLY APPLY. This doesn’t guarantee you will meet eligibility requirements, but you definitely can’t meet them if you don’t apply. The application process isn’t perfect but it continues to be updated - and was updated in 2024!! - to try and make it easier for survivors. If you have damages or lost power for an extended time, APPLY.
You can check on FEMA.gov or with local news to see when disaster recovery centers will open, how long the application period will last, and what information you’ll need when applying.
OP mentioned this but I want to highlight it: Biden changed some of the rules for FEMA eligibility to make it more accessible to middle-and-low-income people. They did a bunch of things to reduce red tape and make the assistance more flexible so you can use it for more things. The rule change took effect in March of 2024; this is the first major disaster under the new rules. So advice from people who have been through the FEMA wringer before might not be applicable.
The changes included things like streamlining the application process and also the appeals process.
The changes ALSO introduced help for immediate housing needs for people who have been displaced--that's a new thing! If you can't go home, there's a good chance FEMA can give you money to spend on housing in the short term!
The changes ALSO broaden the types of housing that FEMA will fund repairs to! It used to be that they would only fund repairs for stuff that had been fully functional before the disaster. So if you had a leaky roof before the storm, and the storm blew the roof off, they would only pay to replace the part of the roof that hadn't been leaky before the storm. Biden changed that; now they'll just replace the whole thing. And if you want to use part of the money to make your home more accessible than it used to be, that's allowed now, too.
Basically, there's a bunch of things that were changed to make FEMA better and more helpful to ordinary people, and those changes are all new enough that advice from previous disasters probably won't apply.
The newly added "Flexible Funding" category that includes short-term housing aid, as mentioned above, also includes aid to pay for "food, water, baby formula, breastfeeding supplies, medication and other emergency supplies."