What we verified in “After a hurricane, flood or fire: what to do”

Statements and where we checked them

The statements with rules, figures or dates, with the exact place in the source and the date we checked them.

1. According to the CFPB, after a disaster you still have to pay your mortgage; to start recovering when your home was damaged there are three steps: call your insurance company to file a claim, apply for aid from government organizations, and contact your mortgage servicer to let them know what happened.

   Sources 1 · What do I do if my house was damaged or destroyed, or if I'm unable to make my payment after a disaster? (last reviewed Jun 27, 2024): 'After a disaster you still have to pay your mortgage'; 'Call your insurance company to file a claim'; 'Apply for aid from government organizations'; 'Contact your mortgage servicer and let them know what happened' · Checked October 17, 2026

2. According to the CFPB, if you cannot return home, FEMA may help with reimbursement of hotel expenses for short-term lodging, initial rent money plus a security deposit to find a place to live, and continued rental assistance for up to 18 months for qualified applicants while your home is being repaired.

   Sources 1 · What do I do if my house was damaged or destroyed…?, 'What steps should I take if I can't live in my home after a disaster?': 'Reimbursement of hotel expenses for short-term lodging'; 'Initial rent money, plus a security deposit'; 'Continued rental assistance for up to 18 months for qualified applicants while your home is being repaired' · Checked October 17, 2026

3. According to the CFPB, the aid you receive may depend on the type of mortgage loan you have; federal rules allow, but do not require, an owner or servicer to offer help in a disaster; government-sponsored or government-insured loans have guidelines that allow servicers to stop or delay a foreclosure; and with an FHA loan, if you are at risk of losing your home because of the disaster, your lender may stop or delay initiation of foreclosure for 90 days, which is called a foreclosure moratorium.

   Sources 1 · What do I do if my house was damaged or destroyed…?, 'How can I avoid foreclosure after disaster?': 'The amount and type of aid you receive may depend on the type of mortgage loan you have'; 'There are federal rules that allow, but do not require, an owner or servicer to offer help in the event of a disaster'; 'government-sponsored or government-insured mortgage loans have guidelines that allow servicers to stop or delay a foreclosure proceeding'; 'If you're at risk of losing your home because of the disaster, your lender may stop or delay initiation of foreclosure for 90 days'; 'foreclosure moratorium' · Checked October 17, 2026

4. According to the CFPB, your policy may require you to file a claim within a certain period of time after a disaster; you may have several policies and should contact the ones that cover the damaged property; ask for a copy of your policy if you don't have one; take pictures or videos of the damage before and after any repairs you make yourself; the insurer may send an adjuster; your state law may set deadlines for insurers to act on your claim; and if coverage is denied or you are not paid what you believe you are owed, ask for the reasons in writing and whether there is an appeals process, and consider filing a claim with your state insurance commissioner or department of insurance.

   Sources 2 · What should I do after a disaster to protect my finances and property? (last reviewed Jun 27, 2024), Step 1: 'Your policy may require you to file a claim within a certain period of time after a disaster or other incident'; 'You may have multiple insurance policies'; 'Ask for a copy of your insurance policy if you don't have one available'; 'Take pictures or videos of the damage if you can'; 'Do this before and after you perform any repairs yourself'; 'they may send out an adjuster to look at the property damage'; 'Your state law may set deadlines for insurance companies to act on your claim'; 'ask the company for the reasons in writing and if there is an appeals process'; 'consider filing a claim with your state insurance commissioner or department of insurance' · Checked October 17, 2026

5. According to the CFPB, if you are in a presidentially declared disaster area, start with FEMA; applying online at DisasterAssistance.gov is the quickest way, you can also call (800) 621-3362, and the application is available in English and Spanish; your state emergency management agency may have resources even if there is no presidential declaration.

   Sources 2 · What should I do after a disaster…?, Step 2 and 'If you are in a presidentially declared disaster area': 'Applying online at www.DisasterAssistance.gov is the quickest way'; 'You can also call (800) 621-3362'; 'The application is available in both English and Spanish'; 'Contact your state emergency management agency for assistance'; 'This office may have resources even if you're not in a presidentially declared disaster area' · Checked October 17, 2026

6. According to the CFPB, damage to your home does not stop your responsibility to pay your mortgage; call your servicer, explain your situation and ask what relief it offers disaster victims, such as forbearance or a repayment plan; the options depend on who owns or guarantees your mortgage; and calling (855) 411-2372 connects you with a HUD-approved housing counseling agency.

   Sources 2 · What should I do after a disaster…?, Step 3: 'damage to your home doesn't stop your responsibility to pay your mortgage'; 'These options include forbearance or a repayment plan'; 'Call your mortgage servicer, tell them about your situation, and ask what relief they offer for disaster victims'; 'The options available to you will depend on who owns or guarantees your mortgage'; 'to be connected with a HUD-approved housing counseling agency' · Checked October 17, 2026

7. According to the CFPB, once the adjuster evaluates the damage, the insurer pays a settlement based on replacement cost or actual cash value, depending on your policy: replacement cost gives you money to rebuild or repair with similar materials at today's prices, and actual cash value takes the home's age and condition into account; the check is generally made out to both you and your servicer or lender; typically the servicer releases part of the money before work begins, more as the work progresses and the rest once the job is finished and the home passes inspection; and you are still responsible for your mortgage payments while the claim is paid out.

   Sources 3 · How do home insurance companies pay out claims? (last reviewed May 28, 2024): 'they pay a settlement amount in either replacement cost or actual cash value'; 'Replacement cost gives you money to cover the costs to rebuild your home or repair damages using similar materials'; 'Actual cash value gives you money to repair or rebuild based on the value of your home, considering its age and condition or market value'; 'a check made out to both you and your mortgage servicer or lender'; 'Typically, your servicer releases a portion of the settlement money before work begins'; 'As the work progresses, the servicer typically releases more money'; 'The rest is released once the job is finished and the home passes inspection'; 'you are still responsible for making your payments while your insurance claim is paid out' · Checked October 17, 2026

8. According to the CFPB, homeowners insurance usually does not cover flood damage and insurance might not pay for all the damage; to cover uninsured damage in a declared disaster area you can apply to FEMA for disaster assistance or to the SBA for a disaster relief loan.

   Sources 4 · Start recovering and rebuilding your financial life (last modified Jan. 21, 2025), 'Handling homeowner's insurance': 'Insurance might not pay for all the damage to your home'; 'Flood damage is usually not covered by homeowner's insurance'; 'you can apply to FEMA for disaster assistance or to the SBA for a disaster relief loan' · Checked October 17, 2026

9. According to the CFPB, loss mitigation applications generally must be complete before the lender considers them, but in a disaster completing one may be difficult, so the lender should be able to offer options anyway; the lender can add a natural disaster code to your credit report; you can go over your options with a housing counselor at low or no cost; and you should set up a forwarding address for your mail and update your contact information.

   Sources 4 · Start recovering and rebuilding your financial life, 'Managing mortgage payments': 'Generally, applications for loss mitigation on a mortgage must be complete before your lender considers it'; 'so your lender should be able to offer you options anyway'; 'Your lender can also add a natural disaster code to your credit report'; 'you can go over it with a housing counselor at low or no cost to you'; 'Expect help from the companies you use': 'Set up a forwarding address for your mail'; 'update your contact information' · Checked October 17, 2026

10. According to the CFPB, if you can keep living in your rental home even with damage, you generally need to keep paying rent; notify your landlord in writing about the damage; being unable to live there does not necessarily end your lease, and generally either you or the landlord must terminate it in writing; your landlord can't use your security deposit to pay for damage caused by a natural disaster; renters insurance covers your belongings damaged inside a home you rent, and the landlord is not responsible for them; and sometimes renters insurance covers the cost of living somewhere else.

    Sources 4 · Start recovering and rebuilding your financial life, 'Managing rent payments' and 'Renter's insurance': 'you'll need to keep up with your rent payments'; 'Notify your landlord in writing about damage to your unit'; 'that doesn't necessarily end your lease'; 'Generally, either you or the landlord must terminate the lease in writing'; 'Your landlord can't use your security deposit to pay for damage caused by a natural disaster'; 'Renter's insurance covers your belongings if they are damaged inside a home you rent'; 'Your landlord is not responsible for damage to your personal property inside the housing unit'; 'Sometimes renter's insurance covers the cost of living somewhere else if you can't live in your home' · Checked October 17, 2026

11. According to the CFPB, many mortgage agreements require insurance checks to be made out to both you and the mortgage company or servicer; and it recommends requesting a mechanic's lien waiver from your contractors at the start and at each phase, a document saying the contractor has been paid in full and has no further rights to place a lien on your property to collect an unpaid bill.

    Sources 4 · Start recovering and rebuilding your financial life, 'Handling homeowner's insurance': 'Many mortgage agreements require insurance checks to be made out to both you and the mortgage company or servicer'; 'Request a mechanic's lien waiver from your contractors'; 'a document saying the contractor has been paid in full and has no further rights to place a lien on your property' · Checked October 17, 2026

12. According to the CFPB, after damage your insurer might not renew your coverage; most states and the District of Columbia provide insurance programs called Fair Access to Insurance Requirements (FAIR) plans, or a similar program, which offer a basic level of protection although the coverage typically costs more than a standard policy.

    Sources 4 · Start recovering and rebuilding your financial life, 'Look for affordable coverage down the road': 'Your insurer might not renew your coverage'; 'most states and the District of Columbia provide insurance programs called Fair Access to Insurance Requirements (FAIR) plans'; 'the coverage typically costs more than a standard policy' · Checked October 17, 2026

13. According to the NFIP's FloodSmart.gov, start your flood claim as soon as possible; an adjuster comes to your property to view the damage and create an estimate; it can take 4 to 8 weeks for a claim to be finalized and paid; ask to see the adjuster's Flood Control Number card; NFIP policies do not cover mold damage; talk to your agent or adjuster before signing with a cleaning or maintenance contractor; if you have a mortgage, the check is written to you and your mortgage company; and if the president declares a disaster, you can apply for federal aid in addition to your flood claim, which may help with uncovered expenses such as temporary housing.

    Sources 5 · Start a Claim (FloodSmart.gov): 'Start your flood insurance claim as soon as possible after a flood'; 'An insurance adjuster will come to your property to view your flood damage and create a claim estimate'; 'It can take 4-8 weeks before a claim is finalized and paid'; 'ask to see their Flood Control Number card'; 'NFIP policies do not cover damage from mold'; 'talk to your agent or adjuster before signing a contract with a cleaning or maintenance contractor'; 'If you have a mortgage, the claim check will be written to you and your mortgage company'; 'Flood damage can also qualify you to receive federal disaster assistance if the president officially declares a disaster'; 'You can apply for this aid in addition to your flood insurance claim'; 'which may help with uncovered expenses, such as temporary housing assistance' · Checked October 17, 2026

14. According to FloodSmart.gov, FEMA allows advance payments on flood claims during major flood events: your insurer may offer up to $5,000 without an adjuster's visit, and up to $20,000 with authorization and documentation; the advance is deducted from the final payment.

    Sources 5 · Start a Claim, FAQ 'Can I get an advance on my flood insurance claim?': 'Your provider may offer up to $5,000 without an adjuster's visit'; 'With authorization and documentation, you may get up to $20,000'; 'The advance payment will be deducted from your final claim payment' · Checked October 17, 2026

15. According to FloodSmart.gov, a flood policy covers only physical damage directly caused by a flood, meaning water entering your home from the ground up; it does not cover, for example, rain blown into your home by wind.

    Sources 5 · Start a Claim, FAQ 'What kinds of damage from disasters does flood insurance cover?': 'Your flood insurance policy covers only physical damage directly caused by a flood'; 'An NFIP policy covers damage from water entering your home from the ground up'; 'rain that's blown into your home by wind' · Checked October 17, 2026

16. According to the NFIP claims checklist, do not reenter a property until it is safe, and you can file a claim before returning; keep a log of all conversations with your insurer; the insurer assigns an adjuster to contact you within 48 hours of reporting the loss; do not discard anything before the adjuster sees it, unless it is a health hazard or local law requires you to discard it, and keep samples of carpet or flooring; the adjuster must show you a Flood Control Number (FCN) card and government-issued photo ID; you may request an advance partial payment; submit the documents supporting your claim within 60 days of the flood or the timeframe your insurer gives; review the adjuster's estimate carefully; and you can request an additional payment at any time, even if you think the claim has been settled.

    Sources 6 · NFIP Claims Checklist for Policyholders (FloodSmart.gov): 'do not reenter a property until it is safe to do so'; 'You can file a claim before returning to your property'; 'keep a log of all conversations with your insurance provider'; 'Your insurance provider will assign an adjuster to contact you within 48 hours of reporting your loss'; 'Do not discard anything before your adjuster sees it, unless the damaged items present a health hazard or local law requires you to discard them'; 'keep samples of carpet or flooring'; 'make sure they show you their Flood Control Number (FCN) card and government-issued photo ID'; 'You may request an advanced partial payment of your claim'; 'Submit all required documentation to support your claim to your insurance provider within 60 days of the flood, or within the timeframe your adjuster or insurance provider provides'; 'Review the estimate provided by the adjuster carefully'; 'This can be requested at any time, even if you think your claim has been settled' · Checked October 17, 2026

17. According to FloodSmart.gov, take clear pictures and videos of damaged items before cleaning, fixing or throwing them out; record the serial numbers of electronics and appliances; save your receipts for repairs and newly purchased items; mold can start forming within 24 to 48 hours of flooding; get multiple estimates in writing; and if a service demands full payment before starting, it may be a scam.

    Sources 7 · Document Flood Damage (FloodSmart.gov): 'Take clear pictures and videos of damaged items before cleaning, fixing or throwing them out'; 'Remember to record serial numbers from electronics and appliances'; 'save all of your receipts for repair costs and newly purchased items'; 'Mold can start forming within 24-48 hours of flooding'; 'Get multiple estimates in writing'; 'If a service demands full payment before starting, it may be a scam' · Checked October 17, 2026

18. Under the Standard Flood Insurance Policy (Dwelling Form), after a loss you must give prompt written notice, prepare an inventory of damaged property and, within 60 days after the loss, send a proof of loss, which is your signed and sworn statement of the amount you are claiming; you must send it within those 60 days even if the adjuster does not furnish the form or help you complete it.

    Sources 10 · 44 CFR Part 61, Appendix A(1), Section VII.G 'Requirements in Case of Loss': 'Give prompt written notice to us'; 'Prepare an inventory of damaged property showing the quantity, description, actual cash value, and amount of loss'; 'Within 60 days after the loss, send us a proof of loss'; 'you must still send us a proof of loss within 60 days after the loss even if the adjuster does not furnish the form or help you complete it' · Checked October 17, 2026

19. According to FloodSmart.gov, you may qualify for up to an additional $30,000 to rebuild in ways that reduce your future flood risk, through Increased Cost of Compliance (ICC) coverage; talk to your adjuster or agent.

    Sources 8 · Flood Recovery Checklist (FloodSmart.gov): 'You may qualify for up to an additional $30,000 to rebuild in ways that will reduce your flood risk in the future'; 'Increased Cost of Compliance Coverage (ICC)' · Checked October 17, 2026

20. According to FloodSmart.gov, if your flood claim is denied you have 60 days from the date of the letter to appeal to FEMA, counted in calendar days; there is no fee and you do not need a third party to represent you; if you complete an appraisal you cannot appeal to FEMA; and if you sue, you must do so within one year of the denial, a period the appeal does not extend.

    Sources 9 · Appeal a Claim (FloodSmart.gov): 'you have a 60-day window to file an appeal with FEMA from the date of the letter'; 'There is no fee to file an appeal, and you do not need a third party to represent you'; 'if you complete an appraisal you cannot file an appeal with FEMA'; 'You must file suit within one year of the denial of your claim'; 'filing an appeal does not extend the one-year period of time to file suit'; 'FEMA uses calendar days, not business days' · Checked October 17, 2026

21. According to the Texas Department of Insurance home insurance guide, additional living expenses (ALE) coverage pays if you have to move while damage your policy covers is repaired, and includes rent, food and other costs you wouldn't have if you were still home, only up to your policy's ALE dollar limits, so watch your expenses; most companies have deadlines for filing a claim; make only temporary repairs, such as boarding up broken windows or putting a tarp over a damaged roof, not permanent ones, because the insurer might deny the claim if you repair before it sees the damage; and with a claim you pay your deductible, the part you cover yourself.

    Sources 11 · Home insurance guide (Texas Department of Insurance): 'Additional living expenses coverage pays if you have to move while your house is being repaired to fix damages your policy covers'; 'Additional living expenses include rent, food, and other costs you wouldn't have if you were still in your home'; 'Your insurance company will pay for your additional living expenses only up to your policy's ALE dollar limits'; 'watch your expenses to make sure you have enough ALE to cover the entire time you'll be out of your home'; 'Most companies have deadlines for you to file a claim'; 'Make only temporary repairs to protect your house and belongings'; 'board up broken windows or put a tarp over a damaged roof'; 'Don't make permanent repairs'; 'The insurance company might deny your claim if you make permanent repairs before it sees the damage'; 'A deductible is the amount of a claim that you must pay yourself' · Checked October 17, 2026

22. According to USA.gov, you must live in a presidentially declared disaster area to receive financial assistance from FEMA, and not everyone qualifies for every program; there are four ways to apply: online at DisasterAssistance.gov, with the FEMA app, by phone at 1-800-621-3362 or in person at a Disaster Recovery Center (DRC); and to apply you will need your Social Security number, insurance information, a description of the damage, your annual household income, contact information and bank account information for direct deposit.

    Sources 12 · How to apply for disaster assistance (USA.gov): 'You must live in a presidentially declared disaster area to receive financial assistance from FEMA'; 'Not everyone qualifies for all the assistance programs in an area'; 'There are four ways you can apply for FEMA disaster assistance'; 'Fill out a DisasterAssistance.gov application online'; 'Apply using the FEMA app'; 'Apply by phone at 1-800-621-3362'; 'Apply in person at a Disaster Recovery Center (DRC)'; 'Your Social Security number'; 'Insurance information'; 'A description of the damage caused'; 'Your annual household income'; 'Contact information'; 'Bank account information for direct deposit' · Checked October 17, 2026

23. According to USA.gov, Disaster Legal Services provides free legal help to people with low income who live in a federally declared disaster area, for example with home repair contracts and contractors or problems with landlords; IRS tax relief may include a filing extension and an expedited refund; and if the disaster was not federally declared, the Red Cross may offer free shelter and food and state and local governments may help with food and shelter.

    Sources 12 · How to apply for disaster assistance (USA.gov): 'Disaster Legal Services (DLS) provides free legal help to individuals who earn a low income and live in a federally declared disaster area'; 'Home repair contracts and contractors'; 'Problems with landlords'; 'Tax relief options may include a tax filing extension and an expedited refund'; 'free shelter and food through the Red Cross'; 'State and local governments may assist disaster survivors by providing food and shelter' · Checked October 17, 2026

24. According to USA.gov, you must keep paying your mortgage even if a disaster damages your home, and you can ask your servicer whether you qualify for forbearance; the Small Business Administration (SBA) lends money to homeowners and renters whose homes were damaged in a disaster, even if they do not own a business; your home must be in a presidentially declared disaster area; the loan must be for your primary home and cannot duplicate benefits from insurance or benefit programs; and before applying you must register with FEMA at DisasterAssistance.gov.

    Sources 13 · Mortgage help and home repair loans after a disaster (USA.gov): 'You must continue to pay your mortgage, even if a disaster damages your home'; 'Ask your servicer if you qualify for mortgage forbearance'; 'The Small Business Administration (SBA) loans money to homeowners and renters whose homes were damaged in a disaster'; 'You may be eligible even if you do not own a business'; 'Your home must be in a presidentially declared disaster area'; 'The loan must be for your primary home'; 'The loan cannot duplicate benefits from insurance policies or benefit programs'; 'Before applying for an SBA disaster loan, you must register with FEMA at DisasterAssistance.gov' · Checked October 17, 2026

25. According to USA.gov, after you register for disaster assistance with FEMA you will find out whether you qualify for transitional housing; the Transitional Sheltering Assistance (TSA) program pays for your hotel stay while you are displaced; and in most of the country you can dial 211 to reach local social services and referrals for emergency housing.

    Sources 14 · How to find housing after a disaster (USA.gov): 'After you register for disaster assistance with FEMA, you will find out if you qualify for transitional housing'; 'The Transitional Sheltering Assistance (TSA) program will pay for your hotel stay while you are displaced'; 'dial 211 to connect with local social services and referrals for emergency housing' · Checked October 17, 2026

26. Under Regulation X, a servicer may offer a short-term payment forbearance program or a short-term repayment plan based on an incomplete application; when it does, it must send you a written notice with the payment terms and duration, saying that other options may be available and that you can submit a complete application to be evaluated for all available options; and while you are performing under that forbearance or plan, it may not make the first foreclosure notice or filing, move for a foreclosure judgment or order of sale, or conduct a foreclosure sale.

    Sources 15 · 12 CFR §1024.41(c)(2)(iii) 'Short-term loss mitigation options': 'a servicer may offer a short-term payment forbearance program or a short-term repayment plan to a borrower based upon an evaluation of an incomplete loss mitigation application'; 'the servicer must provide the borrower a written notice stating the specific payment terms and duration of the program or plan'; 'that other loss mitigation options may be available'; 'the option to submit a complete loss mitigation application to receive an evaluation for all loss mitigation options available to the borrower'; 'if a borrower is performing pursuant to the terms of a payment forbearance program or repayment plan offered pursuant to this paragraph (c)(2)(iii)' · Checked October 17, 2026

27. Under federal law, 8 U.S.C. §1611(a), an alien who is not a qualified alien is not eligible for any federal public benefit, with the exceptions in subsection (b); one of them is short-term, non-cash, in-kind emergency disaster relief.

    Sources 16 · 8 U.S.C. §1611(a): 'an alien who is not a qualified alien (as defined in section 1641 of this title) is not eligible for any Federal public benefit'; (b)(1)(B): 'Short-term, non-cash, in-kind emergency disaster relief' · Checked October 17, 2026

28. According to the CFPB, all FEMA representatives, including home inspectors, have a laminated photo ID; no FEMA, federal or state workers will ask for or accept money, and FEMA does not charge for inspections, disaster assistance or help filling out applications; if unsure, call FEMA at (800) 621-3362; beware of contractors going door to door; never pay by wire transfer, gift card, virtual currency or cash; never pay a company to negotiate with your servicer for you; and you can report disaster fraud to the National Center for Disaster Fraud hotline at (866) 720-5721.

    Sources 17 · How do I avoid scams and fraud after a disaster? (last reviewed Sep 05, 2025): 'All FEMA representatives, including home inspectors, have a laminated photo ID'; 'No FEMA, federal, or state workers will ask for or accept money'; 'FEMA doesn't charge for home inspections, disaster assistance, or help filling out applications'; 'Call FEMA at (800) 621-3362 if you're unsure if someone is truly a FEMA representative'; 'Beware of contractors going door-to-door'; 'Never pay by wire transfer, gift card, virtual currency, or cash'; 'never pay a company to negotiate with your servicer on your behalf'; 'Disaster Fraud Hotline at (866) 720-5721' · Checked October 17, 2026

29. According to the CFPB, before hiring, check with your insurer and servicer about how and when insurance money is distributed; get written estimates from two to three contractors to compare; look up the contractor's license or registration with your state contracting board or agency; ask whether a building permit is required and who gets it; do not pick someone going door to door or make upfront payments without a signed contract; do not pay with cash or make the final payment until the work is completed to your satisfaction; get a receipt for every payment; and if there are problems, you can complain to the state or local agency that licenses contractors.

    Sources 18 · How can I find and work with contractors to rebuild after a disaster? (last reviewed Jun 27, 2024): 'check with your insurance company and your mortgage company or servicer about how and when insurance funds are distributed'; 'Get written estimates from at least two to three contractors to compare offers'; 'Write it down and look it up on your state contracting board or agency's website'; 'Is a building permit required and who is responsible for getting that permit'; Don'ts: 'Pick someone going door to door'; 'Make any upfront payments without a signed contract'; 'Pay with cash'; 'Make the final payment until the work is completed to your satisfaction'; Do's: 'Get a receipt for all payments'; 'Make a complaint to the state or local agency that licenses or regulates contractors' · Checked October 17, 2026

30. According to the CFPB, housing counselors throughout the country provide advice on buying a home, renting, defaults, forbearances, foreclosures and credit issues, and their advice is independent, often at little or no cost.

    Sources 19 · Find a Housing Counselor (CFPB): 'Housing counselors throughout the country can provide advice on buying a home, renting, defaults, forbearances, foreclosures, and credit issues'; 'they can offer independent advice, often at little or no cost to you' · Checked October 17, 2026

31. The Legal Services Corporation (LSC), established by Congress, funds civil legal aid for low-income Americans; on its site you find an LSC-funded legal aid organization by entering an address or city.

    Sources 20 · I Need Legal Help (LSC): 'to provide financial support for civil legal aid to low-income Americans'; 'If you are looking for help with a civil legal problem, enter an address or city below to find an LSC-funded legal aid organization near you' · Checked October 17, 2026