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Help is Available if Flooding Requires You to Elevate Your Home

AURORA, Ill. – If your home or business is in an area that floods frequently and the building received substantial damage from flooding during the spring storms, local officials may require you to elevate, relocate, or demolish your structure to prevent future losses.

This can be quite costly, but NFIP standard flood insurance policies will pay up to $30,000 of the eligible costs under the increased cost of compliance (ICC) coverage.

To qualify for ICC, the NFIP-insured structure must be located in a Special Flood Hazard Area and the cost to repair the structure must equal or exceed 50 percent of its market value prior to the flood damage.

You may also qualify if your community has a more restrictive floodplain management ordinance provision that requires damaged buildings to be brought into compliance when the cost exceeds a threshold lower than 50 percent, or by calculating the cost to repair cumulatively over a period of time, for buildings that are damaged repetitively.

Options other than elevating do exist. The home or business can be moved to a higher elevation on the property or it can be demolished. In some instances, primarily with businesses, the structure can be flood proofed.

Claims for ICC benefits are filed separately from your claim for contents or building loss.

You will learn if you are eligible after you file for a building permit to repair the structure. A local building official will determine if your home or business is substantially or repetitively damaged. If either determination is made, contact the insurance company or agent who wrote your flood policy.

You will be assigned to a claims representative who will help you prepare your ICC claim. You will need estimates from contractors for elevating, relocating, demolishing or flood proofing the structure to accompany the claim.

You may receive a partial payment once the claims representative has a copy of the signed contract for the work, a building permit and a signed ICC Proof of Loss form.

When the work is completed, local officials will inspect the structure and issue a certificate of occupancy or a confirmation letter. Submit this document to your claims representative and the insurer will pay either the final installment or the full payment.

Buildings deemed historic structures are handled separately. Contact your local floodplain manager or building official for more information.

If you received flood damage, between April 16 and May 5, be sure to register for FEMA disaster assistance. The deadline to register is Wednesday, July 24. Several ways to register are available: online at www.disasterassistance.gov or via web-enabled phone at m.fema.gov. Applicants may also call 800-621-3362 or (TTY) 800-462-7585. People who use 711-Relay or Video Relay Services (VRS) can call 800-621-3362. For more information, visit the Illinois Disaster website www.fema.gov/disaster/4116.

Multilingual phone operators are available on the FEMA helpline. Choose Option 2 for Spanish and Option 3 for other languages.

FEMA’s mission is to support our citizens and first responders to ensure that as a nation we work together to build, sustain, and improve our capability to prepare for, protect against, respond to, recover from, and mitigate all hazards.

Follow FEMA online at twitter.com/femaregion5, www.facebook.com/fema, and www.youtube.com/fema. Also, follow Administrator Craig Fugate’s activities at twitter.com/craigatfema. The social media links provided are for reference only. FEMA does not endorse any non-government websites, companies or applications.

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Media Contact: 571-408-1835

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Help is Available if Flooding Requires You to Elevate Your Home

Floods Happen: Protect Your Home & Family

Tropical Storm Irene, Hurricane Sandy, and severe snow and rain storms in New England illustrate our region’s vulnerability to damage at the hands of nature. While New England’s states, cities and towns work to rebuild and clean up after these events, we urge you to prepare your home and family for future storms, and to practice smart risk management. Anticipating disasters while putting plans and insurance in place can help you protect homes, businesses, and finances, and recover more quickly.

Sandy survivors know all too well that one damaging storm can wipe out a home’s history of durability, and cause flooding in areas that seemed safe from harm. Flooding is a major risk for both coastal and inland communities in New England, and many residents need to have flood insurance – an important piece of risk management and preparedness.

Last year Congress passed the Biggert Waters Flood Insurance Reform Act of 2012 with the goals of making the National Flood Insurance Program more financially stable, and more accurately identifying flood risks. This reform means rate increases for many policyholders living both inland and on the coast. Now is the time to find out how this law impacts you:

You may be required to purchase flood insurance, even if you weren’t required to in the past. Floodplain maps which are used to determine flood risks are being revised with the use of better science and technology, and structures which were not formerly in the high hazard flood areas might now be in harm’s way based on the new mapping data.
Flood insurance rates are increasing annually for older buildings in the high hazard floodplain zones. Find out if this will affect you and your property.

To find out how these changes will affect you, start by taking these steps:

Contact your local town government to determine if you’re in the floodplain:
Find out if you or your community are eligible for federal grants to help pay for elevating or modifying your home
Contact your insurance agent to learn about options for protecting your home and family:
Ask about premium quotes and Elevation Certificates, and consider the annual premium savings that elevating or modifying your home may provide.
Find out how your community can save you some of the cost of flood insurance – learn more about the National Flood Insurance Program’s Community Rating System here.

For more information about recent changes to the National Flood Insurance Program, and how those changes may affect you, click here. To find out more about risk management visit ready.gov.

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Floods Happen: Protect Your Home & Family

State, FEMA Disaster Recovery Center Opens in Fairbanks

ANCHORAGE, Alaska – A state and federal Disaster Recovery Center (DRC) is set to open Tuesday, July 16, in Fairbanks to assist individuals, households and businesses affected by the 2013 spring floods.

The center is located at 751 Old Richardson Hwy., Suite 202, Fairbanks, AK 99701. The center provides face-to-face help from 9 a.m. to 6 p.m., seven days a week until further notice.

The center is staffed by disaster recovery specialists who can provide information and answer questions about flood-related assistance.

Those with 2013 spring flooding losses in the Alaska Gateway Regional Educational Attendance Area (REAA), Lower Yukon REAA, Yukon Flats REAA, and the Yukon-Koyukuk REAA are encouraged to register with the Federal Emergency Management Agency (FEMA) by calling 800-621-FEMA (3362) or online at DisasterAssistance.gov. Registration by mobile device is also available at www.m.fema.gov. Those with a speech disability or hearing loss who use TTY can call 800-462-7585 (TTY). Multilingual registration can be done by phone.

Staff at the recovery centers can review and update applicant information and address individual questions and concerns.

Those individuals unable to register by phone or online may register at the DRC. If you intend to register at the DRC, please bring:

Your Social Security number
Current and pre-disaster address
Block and lot number
A telephone number where you can be contacted
Insurance information

Total household annual income

A routing and account number from your bank (only necessary if you want to have disaster assistance funds transferred directly into your bank account). Lookup your bank routing number.
A description of your losses that were caused by the disaster.

FEMA disaster assistance may include grants to help pay for housing, replace personal property and reimburse medical, storage and other serious disaster-related expenses not covered by insurance or charities. Assistance may also include low-interest federal disaster loans from the Small Business Administration (SBA).

SBA offers disaster loans to homeowners, renters, businesses of all sizes and private, nonprofit organizations for their uncompensated losses. Homeowners may borrow up to $200,000 to repair or replace their primary residence. Homeowners and renters may borrow up to $40,000 to replace personal property. Businesses may borrow up to $2 million to repair or replace their property damage and/or economic losses.

There are three ways to apply for an SBA disaster loan: After registering with FEMA, go online to SBA’s secure site at https://disasterloan.sba.gov/ela; call 1-800-659-2955 (deaf and hard-of-hearing call 1-800-877-8339); or, visit the Disaster Recovery Center for one-on-one service. For more information on SBA disaster assistance, go to www.sba.gov.

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State, FEMA Disaster Recovery Center Opens in Fairbanks

FEMA Mitigation Outreach July 16 through July 21

AURORA, Ill. – Individuals who sustained storm damages can gain valuable information about repairing and rebuilding their damaged property in a stronger, safer and smarter way by visiting one of the FEMA mitigation teams located at home improvement centers throughout the area.

The mitigation teams will be available at three area home improvement centers Tuesday, July 16 through Sunday, July 21, from 8 a.m. to 7 p.m.

The locations of the centers are:

Cook County

Menards

6100 East Ave.

Hodgkins, IL 60525

Lake County

Home Depot

493 N. Milwaukee Ave.

Vernon Hills, IL 60061

Lake County

Menards

2700 W. Lake Cook Rd.

Long Grove, IL 60047

Individuals and families in 35 counties whose dwellings were damaged in the severe storms of April 16 to May 5 should register with FEMA by Tuesday, July 24, for federal and state assistance that may be available.

They can register online at www.disasterassistance.gov or via web-enabled phone at m.fema.gov. Applicants may also call 800-621-3362 or (TTY) 800-462-7585. People who use 711-Relay or Video Relay Services (VRS) can call 800-621-3362. For more information visit the Illinois Disaster website www.fem a.gov/disaster/4116.

Multilingual phone operators are available on the FEMA helpline. Choose Option 2 for Spanish and Option 3 for other languages.

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Media Contact: 571-408-1835

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FEMA Mitigation Outreach July 16 through July 21

FEMA Announces Memorandum of Agreement with the NAACP

WASHINGTON, D.C. – Today, the U.S. Department of Homeland Security’s Federal Emergency Management Agency (FEMA) Administrator Craig Fugate and the National Association for the Advancement of Colored People (NAACP) President and CEO Benjamin Jealous signed a Memorandum of Agreement (MOA) at the NAACP’s 104th Annual Conference in Orlando, Florida.

The Agreement will expand outreach to traditionally underserved communities through the NAACP network of more than 200,000 members. Through the MOA, FEMA and the NAACP have joined forces to ensure the needs of underrepresented communities are more fully incorporated into disaster preparedness, response, recovery and mitigation-related activities. The two agencies also will share information such as lessons learned, best practices and training resources, to improve community resilience.

“As a nation, our resiliency depends on our ability to work together to empower communities as part of the emergency management team before, during and after a disaster,” said FEMA Administrator Craig Fugate. “Today’s agreement builds on a long-standing partnership between FEMA and the NAACP, and leverages both institutions’ resources and networks to improve the ‘Whole Community’s’ disaster preparedness, response and recovery.”

“We are pleased to expand our partnership with FEMA to ensure all communities are prepared when confronted with an emergency,” stated NAACP President and CEO Benjamin Todd Jealous. “This is a critical step toward providing underrepresented communities the tools and training they need to respond and recover after disasters.”

“From the Deepwater Horizon Incident, to the 2011 Tornadoes in Alabama, to Superstorm Sandy, we have seen the worst and best of disproportionate impact of disaster on marginalized communities and inspiring community resilience. Communities have been devastated by loss of life, property, culture and more,” said Jealous. “While at the same time there have been awesome examples of communities coming together to build stronger neighborhoods with cooperation between community members and equity and justice based allocation of resources. With this partnership we will work together to improve the ability of emergency management systems to serve people on the margins as well as strengthen community resilience,” said Jealous.

The NAACP has been an active member of the emergency management team through collaborative efforts including: NAACP senior leadership participation on FEMA’s National Advisory Council, hosting emergency preparedness engagement activities at the NAACP Annual Convention, and NAACP staff training on emergency management and community preparedness. The Agreement strengthens the “whole community” approach to emergency management and will greatly improve communities’ access to information to help individuals, families and communities stay safe before, during and after an emergency or disaster.

More information and resources for helping communities prepare for a disaster are available at www.CitizenCorps.gov.

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FEMA Announces Memorandum of Agreement with the NAACP

Fema, New Jersey Show Maps At Mercer Open House

TRENTON, N.J. — FEMA and the State of New Jersey will be holding an open house at the Mercer County Public Library in Lawrenceville on Wednesday, July 24, from 4 p.m. to 8 p.m.

Specialists from the Federal Emergency Management Agency will provide information and answer questions about the revised preliminary Flood Insurance Rate Maps and Flood Insurance Study for Mercer County, New Jersey, which were released on May 30, 2013. The library is located at 2751 Brunswick Pike, Lawrenceville.

Residents will have the opportunity to view the maps at the open house or at the Lawrenceville Municipal Office.

Follow FEMA online at www.fema.gov/blog,www.twitter.com/fema,www.facebook.com/fema, and www.youtube.com/fema. Also, follow Administrator Craig Fugate’s activities at www.twitter.com/craigatfema.

The social media links provided are for reference only. FEMA does not endorse any non-government websites, companies or applications.

Originally posted here:

Fema, New Jersey Show Maps At Mercer Open House

Federal Disaster Aid to Illinois Residents Tops $131.1 Million

AURORA, Ill. – Federal assistance in Illinois has reached more than $134.1 million, distributed among more than 54,540 individuals and households, since a major disaster was declared for storms and flooding that occurred April 16 through May 5.

Storm damage after May 5 is not included in the presidential disaster declaration for Illinois.

The latest summary of federal assistance includes:

More than $134.1 million in FEMA grants approved for individuals and households;
Of that amount, more than $115 million has been approved for housing assistance, including temporary rental assistance and home repair costs;
More than $18 million has been approved to cover other essential disaster-related needs, such as medical and dental expenses and damaged personal possessions;
More than 81,500 home inspections have been completed to confirm disaster damage;
More than $33.2 million in loans to homeowners, renters or business owners has been approved by the U.S. Small Business Administration.

To address unmet needs, LaSalle County has organized a Long-Term Recovery Committee (LTRC) with the help of FEMA’s Voluntary Agency Liaison division. LaSalle County experienced some of the most severe damage from the storms, especially in Marseilles where a large portion of the town’s residents were affected, with over 200 having to vacate their homes.

In the next several weeks, the Lutheran Disaster Response will be providing guidance to the LTRC to canvass affected areas to determine who may have unmet needs for housing and rental assistance, construction and repair help, food, clothing, spiritual and emotional guidance or financial support.

In Illinois, 82 out of its 102 counties and 770 communities have adopted and enforce floodplain ordinances, making residents eligible to purchase flood insurance. Flooding accounts for more than 90 percent of declared disasters in Illinois. The state has one of the largest inland systems of rivers, lakes and streams in the United States with nearly 15 percent of its total land area flood prone.

Two additional counties have been added to the major disaster declaration for individual assistance. Putnam and Warren county survivors along with survivors of the 33 counties already declared for individual assistance now have until July 24 to register for federal disaster assistance.

Individuals can register online at www.disasterassistance.gov or via web-enabled phone at m.fema.gov. Applicants may also call 800-621-3362 or (TTY) 800-462-7585. People who use 711-Relay or Video Relay Services (VRS) can call 800-621-3362. For more information, visit the Illinois Disaster website www.fema.gov/disaster/4116.

Multilingual phone operators are available on the FEMA helpline. Choose Option 2 for Spanish and Option 3 for other languages.

FEMA does not endorse any non-government websites, companies or applications.

Media Contact: 571-408-1835

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Federal Disaster Aid to Illinois Residents Tops $131.1 Million

Sayreville, New Jersey—From Flood-Prone Neighborhood To Greenspace

TRENTON, N.J. — As recovery from Superstorm Sandy continues in New Jersey, one major improvement project is the conversion of a destroyed residential neighborhood in the Borough of Sayreville to a permanent greenspace.

The Federal Emergency Management Agency has approved more than $29 million in Hazard Mitigation Grant Program funding for the voluntary acquisition and demolition of approximately 129 residential properties in Sayreville.

The New Jersey Office of Emergency Management is managing the grant, and the New Jersey Department of Environmental Protection Blue Acres Program will implement the project and work directly with homeowners.

All of the homes in the project neighborhood are located in a National Flood Insurance Program Special Flood Hazard Area. This hazard designation indicates the structures are highly vulnerable to flooding.

In addition, many of the homes are on the National Flood Insurance Program’s severe repetitive loss and repetitive loss list of residential structures with excessive flood loss.

Acquisition of these repetitive loss properties removes them from the risk of flooding and reduces the impact on the National Flood Insurance Program and on both Federal and State disaster assistance funding.

“By acquiring and removing these homes, FEMA is diminishing the borough’s vulnerability to natural disasters and removing residents from a potentially dangerous area,” said Gracia Szczech, FEMA’s Federal Coordinating Officer for New Jersey.

“This funding will go a long way to help the affected families move on with their lives.”

Once the homes are acquired and demolished, further construction will not be allowed on the properties.The land will be restricted to open space in perpetuity. Sayreville has accepted responsibility for all maintenance and upkeep of the land.

The use of federal funds to purchase these properties allows families to relocate to safer areas.

Under the Hazard Mitigation Grant Program, the state solicits project proposals from local jurisdictions then prioritizes the projects for approval by FEMA.

The project grant was awarded and funded by FEMA. The total project cost is $39,274,060, the Federal share $29,455,545.

The remainder of the cost of the project will come from the New Jersey Department of Environmental Protection’s Green Acre/Blue Acre Program.

FEMA’s Hazard Mitigation Grant Program provides grants to states and local governments to implement long-term hazard mitigation measures after a major disaster declaration.

The grants help to reduce the loss of life and property due to natural disasters and to enable mitigation measures to be implemented during the immediate recovery from a disaster.

FEMA’s Hazard Mitigation Grant Program is authorized under Section 404 of the Robert T. Stafford Disaster Relief and Emergency Assistance Act.

Follow FEMA online at www.fema.gov/blog, www.twitter.com/fema, www.facebook.com/fema, and www.youtube.com/fema. Also, follow Administrator Craig Fugate’s activities at www.twitter.com/craigatfema.

The social media links provided are for reference only. FEMA does not endorse any non-government websites, companies or applications.

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Sayreville, New Jersey—From Flood-Prone Neighborhood To Greenspace

Federal Disaster Recovery Coordinator Helps Focus Resources To Assist Recovery

TRENTON, N.J. — In the weeks after a large-scale disaster or catastrophic event, a range of work begins to help impacted communities focus not only on a path out of destruction but on enhancing their resilience to future hazards.

The Federal Disaster Recovery Coordinator (FDRC) plays a significant role in that strategy, primarily serving to focus federal resources on the most pertinent recovery needs. Peter Martinasco was named to the role of FDRC in New Jersey for Superstorm Sandy recovery.

The FDRC is activated under the National Disaster Recovery Framework, which provides a structure for seamless coordination between federal, state, tribal and local governments, the private sector, and voluntary, faith-based and community organizations.

“The Federal Disaster Recovery Coordinators do long-term planning with municipalities that have been devastated,” said Bill Vogel, FEMA’s Deputy Federal Coordinating Officer for Sandy recovery in New Jersey. “These communities need help determining what their priorities are and how they want to look after they recover.”

In major disasters or catastrophic events the FDRC is empowered to recommend activation of six key areas of assistance, or Recovery Support Functions. The RSFs are led by designated federal coordinating agencies: Housing (U.S. Department of Housing and Urban Development); Infrastructure Systems (U.S. Army Corps of Engineers); Economic (U.S. Department of Commerce); Health and Social Services (U.S. Department of Health and Human Services); Natural and Cultural Resources (U.S. Department of Interior); and Community Planning and Capacity Building (FEMA).

Working in partnership with a State Disaster Recovery Coordinator and a Hazard Mitigation Adviser, the FDRC oversees an assessment of impacted communities and a recovery support strategy. That strategy helps ease access to federal funding, decrease gaps in assistance, and establish recovery goals in terms of outcomes, milestones and budget.

For communities that seek assistance, the FDRC also provides a team of recovery specialists with a broad array of skills. Among them: civil engineering, architecture, land-use planning, economic development, environmental science and disabilities integration.

Follow FEMA online at www.fema.gov/blog, www.twitter.com/fema, www.facebook.com/fema, and www.youtube.com/fema. Also, follow Administrator Craig Fugate’s activities at www.twitter.com/craigatfema.

The social media links provided are for reference only. FEMA does not endorse any non-government websites, companies or applications.

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Federal Disaster Recovery Coordinator Helps Focus Resources To Assist Recovery

Protecting A Home From Storms And Flooding Begins On The Inside

TRENTON, N.J. — To protect a home from damage from a flood or a hurricane takes more than just making the outside stronger. The inside of the house can be better protected from wind and water with a little planning and preparation.

Several things can be done to minimize damage inside a structure. Here are some ideas:

Floors:

Consider using one or more area rugs or carpet remnants rather than wall-to-wall carpet; smaller pieces can be rolled up and stored on an upper floor in a heavy rain event.
Completely dry subflooring before laying new flooring.
Do not use laminate flooring on top of concrete – especially in a basement – where the floor could retain moisture or get wet.

Drains:

Install a sewer backflow valve to prevent sewage from backing up into the house.
Install a sump pump or pumps in the basement floor to help keep groundwater from entering a structure. Sump pumps are used to remove water from basements and other low areas. Consider choosing a model with a battery backup so that it continues to work if the power goes out.

Electrical System:

Raise wiring and electrical components – panel boxes, switches, outlets – at least 1 foot above the Base Flood Elevation. Homeowners who are not in a designated floodplain, should consider raising these components an extra 1 foot above the level required by building codes.
Use wire rated for underground use if it has to run into areas that could get wet.
Ensure that all junctions are in approved junction boxes.
Change all outlets to Ground Fault Interrupters (GFI).
Raise electric baseboard heaters above the Base Flood Elevation.
Hire a licensed electrician for all wiring work and be sure the work is properly permitted and approved by the local building department.
For questions about a home or building’s Base Flood Elevation contact the local building or floodplain management department.

Appliances:

Elevate appliances – water heaters, furnaces, washers and dryers.
When possible, move them from a basement or lower level to an upper floor. Otherwise, relocate appliances on a masonry or pressure-treated lumber base that’s at least 1 foot above the Base Flood Elevation (or at least 6 inches tall if there is no Base Flood Elevation).
Make sure washers/dryers will not vibrate off the platform during use.
Hire a licensed contractor when plumbing or electrical changes are needed.

Interior Walls:

Wash and disinfect the studs and sills if the drywall and insulation have been removed. Give the studs and sills plenty of time to dry before hanging new drywall.
Use a moisture meter to be doubly sure.
Cut drywall so that it is one-half to 1 inch off the floor, especially in basements.
Concrete floors commonly absorb ground moisture – especially in winter months.
- That moisture can wick up the wallboard if it’s touching the floor, allowing mold to grow out-of-sight within the walls. (Hide the gap with wood or rubberized floor trim).
- If greenboard or other moisture-resistant drywall got wet, replace it. These materials can present the same health hazards as regular drywall when soaked with floodwaters.

Follow FEMA online at www.fema.gov/blog, www.twitter.com/fema, www.facebook.com/fema, and www.youtube.com/fema. Also, follow Administrator Craig Fugate’s activities at www.twitter.com/craigatfema.

The social media links provided are for reference only. FEMA does not endorse any non-government websites, companies or applications.

Original source –

Protecting A Home From Storms And Flooding Begins On The Inside

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