Official Site of The State of New Jersey

The Red Cross maintains an emergency shelter finder tool available at Disaster Shelters | Find Shelters | American Red Cross.

The Red Cross provides multiple services including assistance for your emotional and financial recovery, and directories of shelter, feeding, and other important sites. Call (800) 507 6058 or visit Get Help - Disaster Relief & Recovery | New Jersey | Red Cross

The U.S. Department of Housing and Urban Development (HUD) announced that the State of New Jersey would receive $378 Million in funding to support long-term recovery and mitigation efforts following Hurricane Ida (DR-4614) through the New Jersey Department of Community Affairs (DCA). Informed by extensive public engagement, DCA developed an action plan, which was approved by HUD, to create a variety of recovery and mitigation programs intended to address remaining unmet needs for individuals and communities in New Jersey.

For more information, and to apply for assistance, visit https://www.nj.gov/dca/ddrm/programs/ida/index.shtml

Through Blue Acres, homeowners whose homes are storm-damaged or vulnerable to flooding have the option to sell their property to the State. The program makes both families and communities more resilient to the impacts of climate change.

For buyout details, FAQs, and to apply, visit dep.nj.gov/blueacres

If you have experienced a financial hardship and an increase in housing related expenses associated with the coronavirus pandemic that created a risk of mortgage delinquency, mortgage default, foreclosure or property tax lien, the Homeowner Assistance Fund may be able to help.

Applicants who qualify may receive up to $75,000 in assistance.

To apply or for more information, visit New Jersey HAF (njerma.com). For assistance, you may contact the ERMA servicing team at (855) 647 7700 or email HAFServicing@njhmfa.gov.

The US Small Business Administration offers low-interest disaster loans to homeowners, renters, small businesses, and non-profits. SBA disaster loans can be used to repair or replace the following items damaged or destroyed in a declared disaster: real estate, personal property, machinery and equipment, and inventory and business assets.

For more information, call the Office of Disaster Assistance Customer Service Center at 1-800-659-2955, email: disastercustomerservice@sba.gov, or visit disasterloanassistance.sba.gov.

To apply, visit disasterloanassistance.sba.gov.

The National Flood Insurance Program (NFIP), overseen by the Federal Emergency Management Agency (FEMA), provides flood insurance to property owners, renters and businesses to reduce the cost of future flood damage. The NFIP also works with communities to adopt and enforce floodplain management regulations to lessen the impact of future flood damage.

Did you know that most property insurance policies do not cover flood damage? Just one inch of flood water can cause more than $25,000 in damage to your home. Only flood insurance helps you protect your home and savings. For more information on Flood Insurance, visit FloodSmart | Why Buy Flood Insurance?

It's important to protect your most important financial assets — your home, business and possessions. To access the NFIP’s library of flood insurance resources or learn more about purchasing a policy, visit the NFIP Disaster Response webpage on floodsmart.gov.

The New Jersey Department of Banking and Insurance has released guidance on filing a homeowners insurance or auto insurance claim for storm-related damage, as well as information about flood insurance. For more information, visit DOBI.

If a disaster impacted your ability to afford your mortgage, your lender may be able to help you and you should contact your lender to discuss options. The US Department of Housing and Urban Development has more information available on disaster relief for FHA homeowners by visiting HUD Disaster Relief Options for FHA Homeowners | HUD.gov / U.S. Department of Housing and Urban Development (HUD)

For FAQs, visit the FHA-FAQ website and click the Disaster Relief category under the “Borrowers” and “Renters and Other” tabs.

Housing counseling agencies approved by the US Department of Housing and Urban Development can help disaster survivors make informed decisions on their housing needs, including renters or homebuyers.

To locate a counseling agency, call HUD’s interactive voice system at 800 569 4287 or visit Housing Counseling Home