How to appeal FEMA decision after 2025 Kentucky floods

FRANKFORT, Ky. (FOX 56) — Many people impacted by the natural disasters that hit Kentucky in early 2025 are beginning to hear back, but not everyone is getting the news they anticipated.

The Federal Emergency Management Agency (FEMA) said some denials are as simple as a missing document.

FEMA urges people to read their letters completely and carefully because a denial letter will explain why you were found ineligible for assistance.

“If you are found eligible for assistance, the letter will explain the amount of assistance FEMA approved and information on the appropriate use of disaster assistance funds,” FEMA said in a news release.

If you disagree with any decisions, you can still appeal.

How to appeal a FEMA decision

FEMA said it is important to include documentation for the reason for the appeal and provide any information FEMA requested, such as documents from your insurance company or proof of occupancy or ownership.

FEMA said it is important to write your FEMA application number and the disaster number (DR-4860-KY) on each page of the appeal and any additional documents you submit.

“FEMA receives numerous documents with every appeal; writing your application number on each page submitted helps to organize your case,” FEMA said.

Appeal letters should be mailed within 60 days from the date on your FEMA decision letter.

Mail appeal letters to:

• FEMA – Individuals & Households Program National Processing Service Center, P.O. Box 10055, Hyattsville, MD 20782-8055

Appeal documents can also be uploaded at DisasterAssistance.gov, or faxed to
800-827-8112.

How to apply for FEMA assistance

Applications can be submitted online at DisasterAssistance.gov, on the FEMA mobile app, by visiting a Disaster Recovery Center, or by calling 800-621-3362.

The deadline to apply for federal assistance is April 25.