Homeowners Without Flood Insurance May Still Be Able To Get Help After FEMA Denies Request from Suffolk County

SMITHTOWN, NY – In August 2024, severe storms caused significant flooding on Long Island, particularly in Suffolk County, leading to extensive damage to homes and infrastructure. In response, Governor Kathy Hochul requested federal disaster funds to assist affected homeowners. While the Federal Emergency Management Agency (FEMA) approved a disaster declaration for public infrastructure repairs, it denied the request for Individual Assistance for homeowners, stating that the impact was not severe enough to warrant such aid.

Governor Hochul has expressed her intention to appeal FEMA’s decision within the 30-day window provided. In the meantime, the state has initiated programs to support affected residents. The New York State Home Repairs Program offers grants of up to $50,000 to income-eligible homeowners for emergency repairs. Applications for this program were accepted until November 8, 2024.

Additionally, homeowners without flood insurance may still be eligible for assistance through state programs. The New York State Division of Homeland Security and Emergency Services has been working with local authorities to assess damages and determine eligibility for various forms of aid.

For those who have received denial letters from FEMA, it’s important to understand that such decisions can be appealed. Common reasons for denial include insufficient documentation or issues verifying ownership or occupancy. FEMA provides guidance on addressing these issues and submitting an appeal.

While FEMA has denied individual aid requests for Suffolk County homeowners affected by the August storms, state programs are available to provide financial assistance for necessary repairs. Affected residents are encouraged to explore these options and consider appealing FEMA’s decision if applicable.