Yes, but most are loans, not grants. True grant money is reserved for declared disaster zones, seniors aged 62+, and very low-income households. Everyone else qualifies for low-interest loans at best.
Here is every program available to Nevada and Henderson homeowners in 2026, and exactly who qualifies for each.
Quick Reference: Nevada Water Damage Assistance Programs
| Program | Type | Max Amount | Who Qualifies |
| FEMA Individual Assistance | Grant | Varies | Declared disaster areas only |
| SBA Physical Disaster Loan | Low-interest loan | $500,000 (home) | Declared disaster areas |
| USDA Section 504 (loan) | 1% loan | $40,000 | Very low-income, rural areas |
| USDA Section 504 (grant) | Grant | $10,000 | Age 62+, rural areas only |
| Henderson Homeowner Repair Program | Grant/loan | Varies | Low-to-moderate income, Henderson |
| Rebuilding Together Southern Nevada | Free repair | Varies | Low-income seniors, Clark County |
| Flood Insurance (NFIP) | Insurance payout | Policy limit | Any homeowner with active policy |
FEMA Individual Assistance
FEMA only activates after a presidential disaster declaration for your specific county. It does not cover burst pipes, appliance failures, or single-home incidents.
What It Covers
When a declaration is active, FEMA’s Individuals and Households Program helps with repair costs your insurance did not cover, temporary housing, and essential safety repairs. It fills gaps, not the full bill.
How to Apply
Apply at DisasterAssistance.gov once a declaration covers your county. Check FEMA’s Nevada page for active declarations before applying. While waiting, document your damage immediately since FEMA requires verified proof of loss.
SBA Physical Disaster Loans
The SBA offers disaster loans to homeowners, not just businesses. This is the most accessible post-disaster program for Henderson residents.
What It Covers
Homeowners can borrow up to $500,000 to repair their primary residence. Renters and homeowners can borrow up to $100,000 for personal property. Interest rates run as low as 2.875% with repayment terms up to 30 years.
Clark County was included in an SBA disaster declaration in June 2026 following severe regional flooding, making Henderson homeowners eligible. Check the SBA disaster assistance page for current active declarations.
Key Condition
You must be in a declared disaster county and unable to secure credit elsewhere. SBA loans are for those who cannot recover through insurance alone. Read our water damage restoration cost guide to estimate what you may need to cover.
USDA Section 504 Home Repair Program
This is one of the few sources of true grant money for home repairs in Nevada, but eligibility is narrow.
Who Qualifies
This program applies to rural Nevada only. Henderson and the Las Vegas metro do not qualify under USDA rural definitions.
For eligible rural homeowners:
- Loans up to $40,000 at 1% fixed interest for 20 years
- Grants up to $10,000 for homeowners aged 62 or older
- Combined assistance up to $55,000 in presidentially declared disaster areas
Apply through the USDA Rural Development Nevada office.
Programs for Henderson and Clark County Homeowners
Henderson residents have local options beyond federal programs.
Henderson Homeowner Repair Pilot Program
Launched in 2025, this program targets low-to-moderate-income homeowners with urgent health and safety repair needs. Water damage causing structural or habitability issues may qualify. If you are unsure of the extent of damage, read our guide on hidden water damage signs in Las Vegas metro homes before applying.
Contact the City of Henderson Community Development office for current status and applications.
Rebuilding Together Southern Nevada
RTSNV provides free critical home repairs for low-income seniors in Clark and Nye Counties through its Safe at Home program. Henderson refers residents directly to this program for critical repair needs. Call (702) 259-4900 to check eligibility.
If water damage has led to mold growth, see what professional mold remediation involves before applying, since remediation scope affects what programs will fund.
Clark County Social Service
Clark County provides financial assistance for housing-related hardship, including costs that arise during repairs. Apply through the Clark County assistance portal. This is not a direct repair grant but can help bridge costs while restoration work is underway.
Assistance for Seniors and Low-Income Homeowners
HELP of Southern Nevada
HELP of Southern Nevada covers Henderson, southern Clark County, and the City of Las Vegas. They handle weatherization and home repair for qualifying low-income households. Structural damage from water damage affecting habitability or energy efficiency may qualify. Call (702) 795-0575.
Nevada Pre-Disaster Mitigation Grants
FEMA recently allocated over $1.7 million to Nevada for flood mitigation projects, including Clark County infrastructure. These are public grants, not individual homeowner funds, but they signal ongoing investment in flood risk reduction across the region. The Nevada Office of Emergency Management lists all active state and federal programs.
Flood Insurance: The Most Reliable Option for Most Homeowners
For homeowners who do not qualify for income-based programs and are not in an active disaster declaration, flood insurance is the most practical financial protection available.
Standard homeowner’s insurance does not cover external flooding. A separate policy through the National Flood Insurance Program or a private insurer fills that gap. Read our full guide on what home insurance covers in Nevada to understand exactly where your current policy stops.
Where to Check Currently Available Programs
| Resource | What It Covers |
| DisasterAssistance.gov | Active FEMA declarations and applications |
| MySBA Loan Portal | SBA disaster loan eligibility in Nevada |
| Nevada 2-1-1 (dial 211) | Local referrals to active housing repair programs |
| Nevada OEM | State-level grant programs |
| Clark County Housing Office | Local HOME and CDBG-funded programs |
Do Not Wait on Assistance Before Starting Restoration
Grant and loan applications take weeks. Water damage does not stop spreading while you wait.
Starting professional restoration immediately protects your eligibility for every program above. FEMA, SBA, and local programs all require documented proof of damage. A certified restoration team provides the moisture mapping, photography, and professional reporting that reviewers require. If fire damage is also involved, see our fire damage restoration service for what that documentation process covers.
United Water Restoration Group of Henderson prepares all estimates in Xactimate, the standard accepted by insurance carriers and assistance programs. Call (702) 200-5120) any time, 24/7, and we will be on-site within 60 minutes.
