Individuals & Families Programs

To locate an emergency pantry, shelter, or food distribution site in your area, go to www.endhungernj.org or dial – 211.

Disaster Supplemental Nutrition Assistance Program (D-SNAP) | NJ Department of Human Services
You may be able to request replacement benefits for food lost due to the impact of a disaster and utilize a waiver to purchase hot food. For more information, visit NJ SNAP.

Legal documents and other records may be required by agencies offering disaster assistance in order to verify your identity, citizenship, income, or other important eligibility details. If these documents have been misplaced or destroyed because of disaster, please use the below directory for information on obtaining replacement documents. 

Disaster Unemployment Assistance | NJ Department of Labor
Disaster Unemployment Assistance provides temporary benefits to individuals whose income from employment or self-employment has been lost or interrupted as a direct result of a major disaster and who are not eligible for regular Unemployment Insurance.

For more information, visit Division of Unemployment Insurance | Disaster Unemployment Assistance (nj.gov)

For additional resources including job counseling, free online courses to upgrade your skills, job search platforms, and more, visit Career Services (nj.gov).

Need help understanding how to file a claim?

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 the DOBI website.

 

In search of health insurance?

New Jersey and the federal government are offering record levels of financial help to lower the cost of health insurance. Visit GetCoveredNJ to get started.

 

Get Flood Insured | National Flood Insurance Program

FEMO logo National Flood Insurance Program

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.

 

Victims of a declared disaster, including businesses, may be eligible for relief such as extended filing deadlines. For more information, visit the appropriate Federal or State sites below.

Federal

Internal Revenue Service: Tax Relief in Disaster Situations | Internal Revenue Service (irs.gov)

State

NJ Division of Taxation: State of NJ - Department of the Treasury - Division of Taxation - Disaster Relief

If you are not sure whether your area qualifies for tax relief, you may contact the NJ Division of Taxation with your question by visiting State of NJ – NJ Treasury – Taxation – Email – General Tax Questions.

Utilities Programs

Low Income Home Energy Assistance Program (LIHEAP)

The Home Energy Assistance Program helps very low-income residents with their heating and cooling bills, and makes provisions for emergency heating system services and emergency fuel assistance within the Home Energy Assistance Program.

How to Apply for LIHEAP:

1. Find out if you are eligible
     Review the Energy Assistance Program Fact Sheet and Income Guidelines

2. If you are eligible, fill out an application
     Download, print and complete the Home Energy/USF/Weatherization Program Application [pdf  389kB]

3. Submit a completed application to your Local Community Action Agency
     Choose from the list of Local Application Agency's contact information 

For more information or to locate your nearest application agency, please call our toll-free hotline at 1-800-510-3102

 

Low Income Household Water Assistance Program (LIHWAP)

LIHWAP provides financial assistance to low-income households to reduce the balances they owe on residential water and wastewater bills.

How to apply for LIHWAP:

Visit the DCAid Service Portal and click the blue button that says “New LIHWAP Application”.

 

Additional Utility Assistance Programs | NJ 211

NJ 211 Logo

For a directory of additional utilities assistance programs, visit NJ 211's Utilities Assistance Webpage; dial 211 on a phone; text your zip code to 898-211; chat online; or email info@nj211.org.

 

Internet & Digital Connectivity

The Lifeline program and the Affordable Connectivity Program help make phone and internet service more affordable or free for low-income individuals. Eligible individuals also qualify for a free smartphone through the Lifeline program. If you participate in certain assistance programs like Medicaid, NJ SNAP or SSI, you automatically qualify for both federal programs.

For more information, visit Department of Human Services | Lifeline & Affordable Connectivity Program (nj.gov).

Disaster Legal Services | Federal Emergency Management Agency

Disaster Legal Services (DLS) provides free legal help to low-income disaster survivors. If you're not able to get adequate legal services for your disaster-related needs, DLS may be able to help. The types of legal assistance offered may include help with insurance, lost documents, contractor or landlord disputes, legal documents, FEMA appeals, and more. For more information, visit Disaster Legal Services (DLS) | disasterassistance.gov

Bergen, Hudson, and Passaic Counties | Northeast New Jersey Legal Services

Northeast New Jersey Legal Services (NNJLS) provides legal representation and advice to income-eligible individuals and families in Bergen, Hudson, and Passaic Counties. NNJLS also offers community education and partnerships. Legal assistance for disaster survivors includes help with the following civil legal issues: unsafe or unlivable housing; lost, damaged, or destroyed government documents; FEMA and disaster insurance claims; foreclosure prevention; difficulty with contractors or repairs; and more. To learn more and to apply for help, please call (973) 523-2900 or visit https://www.northeastnjlegalservices.org/applyforhelp.

The find assistance tool at Find Assistance | disasterassistance.gov asks you questions directly related to disaster recovery to provide you a personalized list of resources available. 

The Benefit Finder | Benefits.gov tool can help you locate other government benefits you’re eligible for across multiple federal agencies and inform you how to apply.