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The Federal Emergency Management Agency has allocated $2.7 billion in response to the L.A. wildfires, but some survivors say the agency’s support has fallen short of expectations.

According to an LAist analysis of FEMA data, the agency has covered a smaller portion of damage costs in response to the L.A. fires than was seen at this point after other recent natural disasters.

Assistance to eligible survivors has covered an average of about 7% of the damage costs FEMA assessed to their properties so far, less than one third of the proportion covered after the California fires in 2017 or 2018, or the 2023 Hawaii fires.

Eligible survivors of the L.A. fires have gotten an average of around $4,100 in direct FEMA assistance so far — average damage costs assessed by the agency are over $55,000 for those same survivors.

Experts who spoke to LAist cautioned against comparing disasters, but the complicated application process for receiving FEMA assistance has slowed the response here and frustrated some L.A. residents who are trying to decide whether to rebuild or relocate, often requiring them to make multiple appeals after claims that were denied for procedural reasons.

When Furmencio Quiroz’ Altadena home was destroyed in the Eaton Fire, he expected FEMA to help with some of the rebuilding costs not covered by his family’s insurance. After six months and multiple appeals of his application, Quiroz says he thinks the rebuilding process has gone slower than government officials promised.

“ It feels like time is flying, and we’re nowhere,” Quiroz told LAist.

Rebuilding the family home

Quiroz grew up in the Altadena house before living there with his wife and six children, together with his parents and his brother’s family.

Then the Eaton Fire destroyed everything, Quiroz said.

“At first you’re like, wow, like you can’t even process it.” Quiroz said about losing his family’s home. “Then you just start thinking about every little memory you had.”

He said his father is a retired construction worker, and while they had insurance on the house they had never filed a claim until the fire. His father would always take care of any repairs himself.

But the insurance they had wasn’t nearly enough to cover the costs of rebuilding, Quiroz said.

After initially receiving a few thousand dollars from FEMA for essential items and temporary housing, Quiroz said his family applied for help with rebuilding costs.

According to FEMA policy, survivors who apply through the Individuals and Households Program (IHP) can receive up to $43,600 for housing assistance and another $43,600 to go toward other needs like child care, medical expenses, transportation or replacing damaged personal property.

Quiroz thought he would be eligible for housing assistance, but FEMA denied his family’s application. He said FEMA told him he was not eligible because he had already received an insurance payment.

“I’ve appealed the case about three times, because we’re underinsured,” Quiroz said. Even getting the maximum insurance payment under his policy still covered less than half of the expected rebuilding costs, he added.

FEMA can not duplicate benefits from insurance or other programs that are provided to applicants for the same purpose, according to federal law, but FEMA updated its policy in 2024 to expand eligibility for survivors whose insurance did not cover the cost of damages to their homes or property.

Quiroz said that on top of the costs of rebuilding he also has to find a permanent place where his family can afford to stay while making mortgage payments on the house that burned down.

In the meantime, he has been commuting from an Airbnb in Pomona to his job as a mechanic in Downey. He said he can’t seem to get straightforward answers about FEMA’s process or why he was denied assistance.

He’s been going to a disaster recovery center in Altadena and calling FEMA, but he said he has gotten “a different answer every time” he has asked for clarification.

FEMA representatives did not respond to LAist’s request for comment.

Navigating a bureaucratic “labyrinth”

To get assistance, disaster survivors like Quiroz often have to navigate a complicated process that is fragmented across many agencies and programs, according to Chris Currie, director of homeland security and justice at the Government Accountability Office, or GAO, a non-partisan federal watchdog agency that examines how federal funds are spent.

“None of those programs were ever really designed to work together in concert, which makes for a very frustrating recovery process for survivors,” Currie told LAist.

The GAO reports to congress and federal agencies, and keeps a list of programs across the federal government that they assess to be high risk, or most in need of reform.

Delivery of federal disaster assistance was recently added to that list, joining issues like federal oversight of food safety and contract management at the Department of Defense.

“I don’t think anyone at FEMA tried to design these programs to be difficult and time consuming,” Currie said. But rules put in place over the years to avoid fraud and abuse have inadvertently created a complex “labyrinth” for survivors to navigate, he added.

The GAO has pointed to the need to simplify the process for years, but Currie said that hasn’t translated to system-wide progress that’s needed.

The Trump administration created the FEMA Review Council in January, and Currie is optimistic this could spark more significant reform.

“I think everyone is waiting for the results of this FEMA Council to come out, to provide the framework and the instructions on what specifically is gonna change,” Currie said.

President Donald Trump threatened to “phase out” the agency last month, but the administration’s stance toward the agency has since softened, with Homeland Security Secretary Kristi Noem telling NBC News on Sunday that the president now wants to see the agency “remade.”

FEMA’s response to other recent disasters

LAist analyzed public data to see how FEMA’s response to the L.A. wildfires compares to other natural disasters in recent years and found some notable differences.

According to monthly FEMA reports and estimates of total damage costs, overall financial support allocated by the agency in response to the fires has covered a much smaller portion of damage costs than seen six months after hurricanes Helene and Milton in 2024.

Currie said there could be a number of reasons for differences in FEMA funding provided after natural disasters, like the types or concentration of damage.

“The scale of the destruction in Helene dwarfs [the L.A. fires], but the concentration of damage in L.A. was horrific. ” Currie said. “So the cost you’re going to see just to deploy across a massive geographic region in Helene is gonna be way, way higher than L.A.”

The largest amount of money from FEMA goes to state and local governments in what the agency calls public assistance for things like repairing public buildings and debris cleanup, Currie told LAist.

Currie said debris cleanup is a key first step toward recovery, and that FEMA, the U.S. Army Corps of Engineers, and leaders at state and local levels worked very quickly to clear debris compared to other large-scale natural disasters.

LAist also looked into differences in direct assistance to individuals and found that so far FEMA has covered a much smaller portion of assessed damage costs after the L.A. fires than were covered after the 2024 hurricanes, though the agency assessed that damage costs for L.A. fire survivors were higher.

This gap affects survivors like Quiroz who believe they should be eligible for more assistance and have experienced denial letters or process delays.

Currie told LAist that applications are often denied by FEMA initially for technical reasons, but they may still be eligible when they have completed more of the process.

“It can just be a very long, difficult process that requires a lot of back and forth between a survivor and FEMA or other government agencies,” Currie said.

Quiroz, who has missed work from his job and is currently waiting to hear back from FEMA, said his family still plans on rebuilding but isn’t counting on more support from the agency.

“We had hope . . that they were gonna help us out,” Quiroz said, “but it seems like it’s not gonna be that way.”

Long term recovery

Local agencies and organizations have been working to cover some of the gap in support left after insurance and FEMA assistance.

Jorge Anaya, an emergency management coordinator at the L.A. County Office of Emergency Management, told LAist that the county previously provided assistance to disaster victims of up to $18,000 through the Household Relief Grant program and has kept a comprehensive list of other existing resources for residents.

 ”As we approach long-term recovery, there is existing aid,” Anaya said, “However, it starts becoming a whole-of-community response, not just a whole-of-government response.”

He said the county has partnered with the L.A. Region Community Recovery Organization, or LARCRO, to help people get continued assistance.

“It’s important for us to recognize that FEMA is in no way meant to make people whole with their funding,” said Jenni Campbell, the executive director of LARCRO. “The community is responsible for recovery in the long term.”

LARCRO is a nonprofit that was organized after the Woolsey Fire in 2018. Campbell said they work closely with FEMA and lead the recovery arm of Emergency Network Los Angeles, or ENLA, which includes other nonprofits involved in disaster response like American Red Cross, the Salvation Army and 211 LA County.

She told LAist that direct assistance from FEMA is just one part of what FEMA refers to as “the sequence of delivery,” which also includes insurance, loans from the Small Business Administration and long term recovery groups.

LARCRO and ENLA have been organizing long term recovery groups to support the Pacific Palisades, Malibu and Altadena areas, bringing together nonprofit organizations, disaster case managers and community leaders to support survivors who won’t be able to recover on their own.

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Those groups will soon start holding weekly meetings, but Campbell said community organizations like hers have been involved in supporting survivors since the beginning of the recovery process.

Quiroz told LAist he has gotten support from local churches to help buy food and from 211 LA County, which provided his family with Airbnbs like the one they’re staying in now.

Campbell said LARCRO has connected with more than 5,000 people affected by the fires to coordinate disaster case management, and that disaster victims can learn more on their website.