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Posted on: August 9, 2022

Flooding Disaster Assistance

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People with Flood Damage in Missouri Can Apply for FEMA Help

Renters and homeowners in St. Charles County who were affected by flash flooding July 25-28 may apply for disaster assistance from FEMA. This can be done online, through the FEMA mobile app, or by calling the toll-free number at 800-621-3362.

Visit St. Charles County Regional Emergency Management's webpage for local updates.

For needs not covered by insurance or other sources, FEMA may be able provide Individual Assistance grant money that does not have to be repaid for:

  • Rental Assistance if you need to relocate because of flood damage.
  • Personal Property that was damaged or destroyed by flooding.
  • Lodging Reimbursement if you’ve had to stay in a hotel temporarily.
  • Basic Home Repairs for homeowners whose primary residence was damaged by flooding.
  • Other Serious Needs caused by recent flooding.
  • Only one application per household.

FEMA does not pay for lost food.

When you apply with FEMA, have the following information ready:

  • Phone number where you can be contacted
  • Address at the time of the flooding
  • Address where you are staying now
  • Social Security Number of one member of the household
  • Basic list of damage and losses
  • Bank information if you choose direct deposit for FEMA money
  • Insurance Information if you have insurance, including the policy number

If you have homeowners, renter’s or flood insurance, you should file a claim as soon as possible. FEMA cannot duplicate benefits for losses covered by insurance. If your policy does not cover all your damage expenses, you may be eligible for federal assistance.

Take photos to document damage, and begin cleanup and repairs to prevent further damage. Remember to keep receipts from all purchases related to the cleanup and repair.

View this video on how to apply for assistance.

FEMA to Canvass St. Louis-Area Neighborhoods to Assist Flood Survivors

FEMA will begin canvassing St. Louis-area communities affected by recent flooding starting Wednesday, August 10.

Disaster Survivor Assistance (DSA) crews will be working in St. Louis City, St. Louis County and St. Charles County.

DSA personnel work in communities designated as federal disaster areas to help renters and homeowners apply with FEMA and quickly identify and address immediate and emerging needs. They also can provide application updates and referrals to additional community resources for remaining needs.

On August 8, President Joseph R. Biden, Jr. approved FEMA Individual Assistance for the City of St. Louis and St. Louis and St. Charles counties, which were impacted by flooding that occurred from July 25 through July 28.

This assistance can include help with making temporary repairs to disaster-damaged homes, paying for another short-term place to live while permanent repairs are being made, and help with serious, disaster-related needs not already covered by other programs.

FEMA DSA staff can easily be identified by their federal photo identification and FEMA clothing. Missouri residents are reminded to ask for official photo identification before providing personal information.

Housing inspectors contracted by FEMA also will be working in disaster-designated areas, inspecting damage sustained by survivors who have already applied with FEMA. When FEMA-contracted inspectors arrive at a home, they will display official photo identification. If the photo identification is not visible, it’s OK to ask to see it. This helps prevent fraud.

Many legitimate disaster assistance representatives also may visit your property such as insurance agents, damage inspectors, FEMA and U.S. Small Business Administration (SBA) staff.

FEMA employees do not solicit or accept money from disaster survivors. FEMA staff never charge applicants for disaster assistance, inspections or help with registration.

Here are some tips to safeguard against fraud:

Ask to see ID badges. All FEMA representatives wear a federal photo ID badge. A FEMA shirt or jacket is not absolute proof of identity. If you are unsure or uncomfortable with anyone you encounter, please contact local law enforcement.

Beware of people claiming to be Building Contractors going door-to-door. People knocking on doors at damaged homes or phoning homeowners claiming to be building contractors could be con artists, especially if they ask for personal information or solicit money. Be sure to verify federal ID badges of disaster assistance staff who may visit your home.

FEMA does not have “approved” contractors. Beware of building contractors who say they are

affiliated with FEMA. Don’t sign anything you don’t understand, or contracts with blank spaces.

If you have knowledge of fraud, waste, abuse or allegations of mismanagement involving disaster relief operations, call the FEMA Disaster Fraud Hotline at 866-720-5721.

Always use licensed and bonded contractors and ask for credentials. Never pay for anything in advance of work being done.

Survivors who sustained damage or losses caused by the flooding and/or straight-line winds can register with FEMA in the following ways:

  • Online at
  • By phone using FEMA’s toll-free registration line by calling 800-621-FEMA (3362). Telephone application is available 6:00 a.m. to 10:00 p.m. (Central Time) seven days a week until further notice.

Disaster recovery assistance is available without regard to race, color, religion, nationality, sex, age, disability, English proficiency or economic status.

Small Business Administration

The Small Business Administration (SBA) is coordinating with FEMA to provide additional assistance to qualifying business and property owners affected by flooding in the region. The SBA is stationed in the Disaster Recovery Center at 1025 Country Club Road, St. Charles, MO 63303.

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