Texas experienced one of the most severe floods in recent memory in July 2025. From July 2 to July 18, there was a lot of rain, which inundated many homes, raised rivers, and turned streets into streams. Families in towns like Williamson, Kerrville, and Burnet witnessed their homes flooded, their furniture destroyed, and their walls soaked.
FEMA stepped in when many Texans were left wondering How will we fix our homes? Where do we find help? After the disaster.
Following significant disasters, assistance is provided by the Federal Emergency Management Agency, or FEMA. They provide free grants for home repairs, replacement of lost items, and even future home safety.
Everything you need to know about FEMA grants for accessibility improvements and home repairs in Texas following the July 2025 floods will be covered in this guide. You will discover who is eligible to apply, what assistance is available, how to apply, and crucial dates to keep in mind.
Overview of FEMA’s Disaster Declaration for Texas
When a disaster like the July floods happens, the U.S. President can sign something called a major disaster declaration.
- A declaration of this kind for portions of Texas was authorized by President Trump on July 6, 2025.
- This made federal assistance available to the state, including FEMA assistance for local governments and families.
Initially, only Kerr County was listed. However, FEMA added Travis Williamson, Tom Green, Burnet, and San Saba counties as damage reports came in.
FEMA assistance may be available to you if your home is located in one of these six counties. Should additional damage be discovered, more counties might be added later.
What Types of FEMA Grants Are Available
FEMA offers a variety of grant types. Instead, it offers multiple programs that address various needs:
Grants for Home Repair
To restore your home’s safety and livability, these cover necessary repairs.
Examples include repairing damaged roofs, repairing broken walls, and reinstalling electrical and plumbing systems.
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Assistance with Home Replacement
It may provide funding to replace your home if it is too damaged to repair.
In rare cases when repairs would be more expensive than rebuilding, this can occur.
Improvements in Accessibility
It also provides assistance to individuals with disabilities by financing upgrades such as:
wheelchair-accessible ramps.
Grab bars in restrooms.
widened pathways or doors to make access easier.
This is crucial because homes that have been damaged by disasters may become even more difficult for people with mobility issues to use.
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ONA (Other Needs Assistance)
Includes important things that were lost in the flood, like:
appliances such as refrigerators and stoves.
furniture such as tables and beds.
medical devices such as oxygen concentrators and walkers.
Note that luxury goods are not covered by FEMA. They concentrate on necessities for safe basic living.
Who Can Apply for FEMA Home Repair and Accessibility Grants
Not everyone is eligible for FEMA assistance. There are guidelines:
Your house needs to be in a county that qualifies.
Kerr, Burnet, San Saba, Travis, Tom Green, and Williamson are currently among them.
Your primary residence must be your house.
Repairs for a vacation home or rental property you do not occupy will not be covered by FEMA.
The floods in July 2025 must be the cause of the damage.
Photographs or inspection reports attesting to flood damage may be required.
You must be a U.S. citizen, a non-citizen national, or a qualified non-citizen.
It is important to have insurance.
FEMA will not cover costs that are already covered by insurance.
For instance, FEMA won’t duplicate the payment made by your insurance company for a new roof.
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How to Apply for FEMA Assistance Step by Step
Although applying for assistance can be a stressful process, it is not too difficult if you follow the instructions.
Step 1: Apply in person, over the phone, or online
Online: Access DisasterAssistance.gov
By Phone: Call 1‑800‑621‑(3362)
App: Install the FEMA app on your mobile device.
In Person: Go to a Disaster Recovery Center (DRC) in your community. Local authorities will provide the locations.
Step 2: Collect Documents
Be prepared with these:
Photo ID such as a state ID, driver’s license, or passport.
Evidence of ownership, such as a property tax bill, mortgage statement, or deed.
Proof of Residence (lease agreement, utility bill, or bank statement).
Images of Damage (FEMA needs to see what happened, so clean up a little bit first).
Information about insurance (policy details and numbers).
Step 3: Submit Your Application
Fill in your personal details.
Explain the harm to your house.
Provide a list of any special requirements, such as those for accessibility or medical devices.
Step 4: Take note of the Deadline
The deadline to apply is September 4, 2025.
If you miss this date, you may lose out on assistance.
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What Happens After You Apply
What happens after I submit my application? This is a common question.
You will receive a number for confirmation.
This number is important to have on hand in case you have any questions later.
FEMA might plan an examination.
To assess damage, an inspector will come to your house. To show them everything, try to be present.
What the inspector will search for:
Safety issues (such as exposed wires).
structural damage, such as broken floors or cracked walls.
Water damage to walls, furniture, and systems.
An email or letter will be sent to you.
That will tell you:
Approved: FEMA will send money by direct deposit or check by mail.
Denied: The letter will explain why—and how you can appeal.
How long does it take?
Many people get answers within a few weeks, but it can be longer if there is a lot of damage in your area.
Special Assistance from FEMA to Enhance Accessibility
FEMA’s assistance with home modifications and accessibility for individuals with disabilities is one of its best features.
For Example:
If your ramp was damaged and you use a wheelchair, FEMA might cover the cost of rebuilding it.
FEMA may cover the cost of grab bars in the restroom or improved flooring to reduce the risk of falls if you have trouble walking.
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What you must display:
a note from a doctor or evidence of disability.
Evidence that safety requires the upgrade.
Advice: FEMA may still cover features that were not previously present in your home after the flood.
Tips to Maximize Your FEMA Grant
Use these pointers to get the most assistance possible:
Take a ton of photos.
Show the damage from different angles and before throwing anything away.
Save your receipts.
Save all of your receipts for purchases of cleaning supplies, fans, and tarps. You might be compensated by FEMA.
Attend the inspection.
Make sure the inspector sees everything by pointing it out.
Be truthful.
FEMA verifies claims. False information could cause your aid to be delayed or terminated.
Keep in contact.
Update FEMA immediately if you move or change your phone number.
Other Support Programs to Know
Though it is not the only choice, FEMA is a huge help.
SBA Loans for Disasters
Low-interest loans are available to homeowners (not just businesses) through the Small Business Administration.
If you received a grant from FEMA, you can still borrow money to repair or replace damaged property.
Local Programs in Texas
Some cities and counties have their own assistance programs.
Seek additional assistance from nearby offices or charitable organizations such as the Red Cross.
Organizations of Volunteers
When homes flood, a large number of volunteers and church groups come to help clean and rebuild them.
Important Due Dates and Upcoming Actions
The most crucial date to keep in mind is:
The application deadline is September 4, 2025.
Waiting too long could cause you to miss out.
Where to find assistance:
Call: 1-800-621-3362
Go Online: Visit DisasterAssistance.gov
Visit: A Disaster Recovery Center (locations will be posted by your county).
Advice: If FEMA initially says “no”, do not give up. After submitting additional paperwork or filing an appeal, many people are accepted.
Conclusion
Texas was severely affected by the July 2025 floods. Homes were damaged, families were displaced, and many felt lost about how to start over. But there is hope.
In addition to replacing lost property, FEMA grants can help Texans repair their homes and even make them safer and easier to access in the future. Help is available whether you need a wheelchair ramp, a new roof, or a bathroom repair, but you must apply before the deadline.
If your home was damaged in Kerr, Burnet, San Saba, Tom Green, Travis, or Williamson County, do not wait. Apply for FEMA help today.
Despite the fact that recovery takes time, Texans can rebuild more robustly if they receive the proper assistance.