Damaged Wells, Septic Systems, Private Roads

Wells and Septic Systems

For private wells and septic systems, FEMA may reimburse you for the cost of a professional, licensed technician to visit your home and prepare an estimate detailing the necessary repairs or replacement of your disaster-damaged systems.

In addition to the technician's estimate, FEMA may also pay for the actual repair or replacement cost of your septic system or well, typically not covered by homeowner's insurance. At the time of your home inspection, let the FEMA inspector know you have a private well and/or septic system that may have been damaged by the disaster.

If you have already had an inspection and damage to the well or septic system wasn't reported, contact the FEMA Helpline at 800-621-3362 or visit the nearest Disaster Assistance Center to learn how to amend your application.

Private Roads and Bridges

Money may be available to repair privately-owned access roads and bridges that were damaged by the disaster. To qualify, you must be the owner and the home must serve as your primary residence.

A FEMA inspection is needed to determine if repairs are necessary for a vehicle to access the property. In addition, you must meet the following conditions:

The inspection determines repairs are necessary to provide drivable access to the primary residence.

The applicant is responsible, or shares responsibility with other homeowners, for maintaining the privately-owned access route to their primary residence.

The privately-owned access route is the only access to the applicant's primary residence, and repair or replacement is necessary for the safety of occupants, allowing access for emergency vehicles or equipment.

When multiple households share a privately-owned access route, assistance is shared among applicants, requiring additional coordination and documentation between FEMA and each applicant.

How to Apply

Online at disasterassistance.gov

Phone: 800-621-3362

Download and use the FEMA app

Visit a Disaster Assistance Center

Deadline to apply is June 10, 2026.