Some people find themselves homeless due to unexpected circumstances. They can become homeless because of natural disasters and unexpected emergencies. Many people lose their homes to any variety of natural catastrophies including but not limited to: floods, forest fires, storms, and earthquakes. In 2005, hurricanes Katrina and Rita displaced over 1 million Americans. In 2006, Tornadoes destroyed entire towns, in Tennessee. A variety of people find themselves unable to cope with any number of the following sudden tragedies: being laid off from a long-term place of employment; losing the place of residence to an accidental fire; serious bodily injuries; discovery of terminal illnesses and diseases; loss of family member(s). These situations usually result not only in significant monetary expenses, but also in severe psycological and emotional hardships.