Many clients have called me to get informatoin on what to do next.  This is the information I have gathered so far with my personal experience with one of our rental houses that flooded.

If you are a home owner and your personal home flooded and you have flood insurance, your first call is to your insurance agent.  Your next call is to FEMA or to register on line.  The web site to register is http://www.disasterassistance.gov.  If you would prefer to have them take your application over the phone, the phone number for FEMA is 1-800-621-3362.  My wait time was between 20-30 minutes and it takes about 20 minutes for them to take the application.  You can then elect to do everything on line - nothing is emailed to you, you have to set up a password and an account to look at things they send you.  You can also elect to do everything via regular mail.

If you are a home owner and did not have to have flood insurance (not in a flood zone), your first call is to FEMA - same as above.  You will be elibigle for up to $33,000 in grant money assistance.  One of my clients said that when she did the FEMA application on line, it sent her to the SBA site.  Not sure why but just make sure you apply with FEMA and get a FEMA claim number.

IF if it your rental property that flooded and you do not have flood insurance, even though FEMA has nothing for you, during my application with SBA (Small Business Administration) to get a low interest loan, it asked for my FEMA number.  So, I suggest you go ahead an apply for FEMA - in fact, our governor told us to all be sure to register with FEMA so I did.  The phone number for the SBA is 1-800-659-2955.  FEMA person also told me to call IRS at 1-800=829-3676 and ask for publication #2194B.  I think that was to see how the cost to repair our rental would impact taxes.  Haven't checked that out yet.  

FEMA  1-800-621-3362 Helpline

SBA  1-800-659-2955