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As climate change results in more frequent and/or intense extreme weather events like severe storms, flooding and wildfires, disproportionately impacting the most vulnerable in society, the Federal Emergency Management Agency (FEMA) proposes to amend its Individual Assistance (IA) regulations to increase equity and ease of entry to the IA Program. To provide a full opportunity for underserved communities to participate, FEMA proposes to amend application of ‘safe, sanitary, and functional’ for IA repair assistance; re-evaluate the requirement to apply for a Small Business Administration loan prior to receipt of Other Needs Assistance; add eligibility criteria for its Essential Needs & Displacement Assistance; amend its requirements for Continued Temporary Housing Assistance; re-evaluate its approach to insurance proceeds; and amend its appeals process. FEMA also proposes revisions to reflect changes to statutory authority that have not yet been implemented in regulation, to include provisions for utility and security deposit payments, lease and repair of multi-family rental housing, childcare assistance, and maximum assistance limits.