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Among disaster victims, the decision to apply for assistance with the Federal Emergency Management Agency (FEMA) is not straight forward. It is typically affected a variety of factors beyond individual demographic characteristics. Using Texas in the aftermath of Hurricane Harvey, this study utilizes bounded rationality as a theoretical framework for exploring what may affect the decision to apply for individual assistance with FEMA. A representative sample of generally affected individuals and a subsample of individuals with home damage are used to investigate various factors thought to be important in decision-making and compare differences between the groups. As a byproduct of the analysis, it is observed that although the loss of employment and being able to rely on one’s immediate network is a significant predictor of applying for aid among individuals with home damage, these variables are not significant among those that were generally affected. Recommendations for future research are provided to enhance our understanding of decision-making in the aftermath of disasters.

Deciding to Apply for Federal Disaster Assistance: A Preliminary Investigation of Disaster Decision-Making using a Bounded Rationality Framework