Get financial assistance
2025 Los Angeles Fires

Get help with insurance, taxes, employment, and other financial needs.

Insurance

Insurance claims

If you have homeowners or renters insurance, file a claim as soon as possible. Keep a record of all your recovery expenses, including costs for temporary housing.

Get help with insurance claims:

Non-renewal protection

After a wildfire disaster, your insurance company can't cancel your policy or decide not to renew it for 1 year. This applies to everyone in the affected area, even if your home wasn't damaged.

Find out if your zip code is protected(external link) from losing insurance. If your zip code is protected and your company doesn't renew your policy, you can file an insurance complaint(external link).

Mortgage protections

Mortgage assistance

Homeowners could get 3 months of mortgage payments, up to $20,000. This fund is for homes destroyed in recent disasters, including the LA fires.

You may be eligible for a grant if:

  • You own a single-family home, condo or manufactured home on a permanent foundation
  • You have a mortgage or reverse mortgage
  • Your home was destroyed or is not safe to live in due to a qualified disaster

Apply through the CalAssist Mortgage Fund(external link).

Mortgage relief

The state worked with major lenders to offer mortgage relief. Over 400 lenders committed to:

  • Reduce or pause mortgage payments for 90 days
  • Waive late fees for 90 days
  • Protect owners from new foreclosures or evictions for 60 days
  • Not report late payments to credit agencies

You must contact your mortgage lender to get relief. It does not happen automatically.

Learn about mortgage relief resources(external link) and find a list of participating lenders.

Foreclosure protection

You're protected from foreclosure until July 7, 2025 if:

  • You own a single-family home affected by the fires, and
  • Your mortgage is insured by the Federal Housing Administration (FHA)

If you're facing foreclosure, contact your mortgage company. Or call the FHA Resource Center at 800-225-5342.

Renter protections

Eviction protection

If you lost at least 10% of your income due to the fires, you may be protected from eviction through July 31, 2025. Learn more about eviction protection(external link) and find out if you qualify.

If you need eviction protection, you must notify your landlord each month within 7 days of rent being due. Send a Notice to Landlord of Inability to Pay Rent(external link) (PDF).

Free mediation

Los Angeles County offers free mediation services(external link) for tenants and landlords. They can help you work out a payment plan.

Call 800-593-8222 to learn more.

Taxes

Income tax

If you live in Los Angeles County, you can postpone filing and paying your income tax until October 15, 2025. Learn about the income tax extension(external link).

Property tax

If your property was affected by the fires, you can:

Employment

Income replacement

Student loan protections

Student loan relief

If you live in an area affected by the fires, you may qualify for disaster forbearance on your student loans. Learn about student loan relief options(external link).

Cash assistance and loans

FEMA disaster assistance

FEMA disaster assistance includes funds for temporary housing, repairs, and rebuilding. Homeowners and renters can apply.

The deadline to apply was March 31, 2025. But you can submit a late application for 60 days after the deadline. Go to DisasterAssistance.gov(external link) to apply or check your application status.

If FEMA denied your application, you have 60 days to appeal FEMA's decision(external link).

Learn more on FEMA's LA Fires page(external link).

Disaster loans

The Small Business Administration (SBA) offers disaster loans to homeowners and renters. You can use these loans to repair your home or replace personal property damaged in the fires.

The deadline to apply for these loans was March 31, 2025. If you already applied, you can sign in to the SBA loan portal(external link) to check the status of your application.