TALLAHASSEE, Fla. — In May of 2009, Florida’s northeast coast was drenched by five consecutive days of rain. One of the worst hit areas was Daytona Beach, where more than 20 percent of the streets were underwater and nearly a thousand buildings reporting some kind of flood damage.

One of those structures was the West Wing of the Museum of Arts & Sciences (MOAS), which contained a range of exhibits from prehistoric fossils and historic weapons to Cuban art and African artifacts. Located on a low-lying plot about three feet lower than the rest of the museum campus, the 22,416-square-foot wing gradually filled with three to four inches of flood water.

According to Jenelle Codianne, the museum’s director of marketing and public relations, there was damage to the floors, walls, interior walls, electrical, doors and office furniture. No collections were lost, but several exhibits were damaged including the Center for Florida History, which displayed the museum’s giant ground sloth skeleton. It took several days to disassemble, but the prehistoric skeleton was moved to another wing and avoided water damage. Meanwhile, museum employees were busy moving artworks into other galleries.

As one of Daytona Beach’s leading cultural institutions, it was imperative the wing be rebuilt. But museum authorities were adamant that reconstruction should eliminate the potential for future flooding.

In order to fund the reconstruction, MOAS applied for a Flood Mitigation Assistance (FMA) Grant from the Federal Emergency Management Agency (FEMA) and financial aid from the Volusia County Environmental, Cultural, Historic and Outdoors (ECHO) Program. The FMA program is one of the Hazard Mitigation Assistance (HMA) programs funded by FEMA and managed by the State of Florida.

The FEMA grant provided more than $4 million of the $5.4 million reconstruction price, with an additional $1.3 million coming from local sources including an ECHO grant and the museum’s own funding. The Orlando office of global architects VOA Associates Inc. won the competition to design the new structure, while locally based Hall Construction handled the fabrication.

After demolishing the flood-damaged structure, construction began on its replacement – on the same footprint but slightly larger than the previous building. The new wing was built on a concrete spread foundation with concrete masonry stem walls backfilled with earth and overlaid with a concrete slab. The floors of the new wing were elevated 2.5 feet above the old level and 2.2 feet above Base Flood Elevation – or roughly six inches above the maximum water level of the 2009 flood.

Unveiled in October of 2015, the new West Wing is a state-of-the-art museum space that features five exhibit galleries as well as a planetarium. In addition to being a huge success with the press and public, the resurrected building also passed its first weather test with flying colors.

“Happy to report NO FLOODING!” Stephanie Mason-Teague, the museum’s director of development, declared via email the week after Hurricane Matthew stormed up Florida’s Atlantic coast. The new West Wing held up perfectly to Hurricane Matthew. Water didn’t even get close to the building, let alone enter it. The mitigation measures incorporated at the time of the rebuilding did the job of preventing repetitive flood loss.

“We had a lot of tree debris,” Mason-Teague added, “and were without power, phones, internet.” But that was the extent of the hurricane’s impact. The museum was able to get back online, clean up the tree debris and open its doors to the public again within a week of Matthew striking Daytona Beach.

For more information on Florida’s disaster recovery visit fema.gov/disaster/4280, fema.gov/disaster/4283, twitter.com/femaregion4, facebook.com/FEMA, and fema.gov/blog, floridadisaster.org or #FLRecovers. For imagery, video, graphics and releases, see fema.gov/Hurricane-Matthew.

For more information on FMA/HMA programs, visit Floridadisaster.org or www.fema.gov/hazard-mitigation-assistance.

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Best Practice: Daytona Beach Museum of Arts & Sciences

BATON ROUGE, La. – Flood survivors who have registered with FEMA may be eligible for reimbursement if they had to pay out-of-pocket for temporary lodging because of flood damage to their primary residence.

You may be eligible for lodging expense reimbursement if you:

  • register with FEMA;
  • pass identity verification;
  • verify occupancy in a primary residence within a declared parish;
  • verify that their primary residence is uninhabitable or inaccessible;
  • incurred disaster-related temporary lodging expenses on or after the incident period start date — in this case, Aug. 12, 2016;
  • do not have insurance that would cover lodging and therefore duplicate benefits; and
  • did not receive lodging assistance during the same time period.

Reimbursement funds are available for eligible applicants up to the maximum amount of financial assistance — $33,000 — available through FEMA’s Individuals and Households Program. Applicants who have already received the maximum grant available will not be eligible for lodging expense reimbursement.

Survivors who are approved for lodging expense reimbursement must submit zero balance receipts to FEMA in order to receive payment. Reimbursement will not cover incidental costs such as phone calls, laundry, internet, pay-per-view, food, or pet care. 
 

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Flood Survivors May Be Eligible for Lodging Expense Reimbursement

DENTON, Texas –– New flood maps become effective for portions of Lubbock County on Friday Feb. 3, 2017. Residents are encouraged to examine them so they can determine their need to buy flood insurance. When the risks are known, individuals and community leaders can make informed decisions about building and development.

Most homeowner insurance policies do not cover the effects of flooding. Anyone without flood insurance runs the risk of uninsured losses to their homes, personal property and businesses. Flood insurance is available either through a private policy, or through the National Flood Insurance Program (NFIP). The NFIP is a voluntary program administered by the Federal Emergency Management Agency (FEMA).

Residents with federal mortgages must have flood insurance if the structures are in flood hazard areas. Flooding is the #1 natural disaster in the U.S. and only flood insurance covers these unexpected, damaging and sometimes fatal events.

Your local floodplain administrator can tell you if your community participates in the NFIP. He or she can also help you review the new flood maps. “We have to know what our risks are in order to prepare for them,” said FEMA Region 6 Administrator Tony Robinson. “Floods can happen anywhere.”

FEMA map specialists and flood insurance experts also are available to answer questions. They can be reached by phone and online chat. 

FEMA encourages communities not currently participating in the NFIP to look at the benefits of joining the program. Contacting a local insurance agent is the first step to obtaining information about insurance. Folks can visit www.floodsmart.gov or call 1-888-379-9531 to locate an agent in their area.

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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 us on Twitter at www.twitter.com/femaregion6 and the FEMA Blog at http://blog.fema.gov

Credit – 

Lubbock County Texas Flood Maps Become Final

BATON ROUGE, La.—If you had damage following Louisiana’s historic severe storms and floods, state and federal officials encourage you to monitor the insurance claims process after reporting your loss.
 
You have 120 days from the date of your loss to file a claim if you’re a National Flood Insurance Program (NFIP) policyholder in Louisiana. Here are some tips to guide you through the process to ensure you receive all eligible insurance funds for your recovery.

What to Do Before an Adjuster Visit

• Take pictures of the damage.

• Write down a list of your damaged contents.

• Immediately throw away flooded items because of health risks, but cut off and keep a 12-square-inch sample of building materials like carpets and drywall as proof of damage.

• Have documents related to damage ready. This may include contractor’s estimates and repair receipts.

• Also keep your policy number and insurance company information handy.

What Happens During an Adjuster Visit

• An adjuster will contact you within 24 to 48 hours to schedule an appointment.

• Ask to see the adjuster’s official identification when he or she visits.

• The adjuster will take measurements and photographs and document the damage. They may provide you with their contact information if additional visits are needed.

Understand the Flood Insurance Claim Process

• After your home is inspected, the adjuster will provide you with a flood certification number and a suggested Proof of Loss based on their assessment.

• Inspectors never ask for money, approve or disapprove claims or tell you whether your claim will be approved.

What Happens After an Adjuster Visit

• Review, sign and send the Proof of Loss form to your insurance company within 120 days of the date of damage.

• Submit a signed Proof of Loss form even if you think it doesn’t cover all your damage because you can always file supplemental claims.

• Contact your insurance company and file for additional payments if you disagree with the original Proof of Loss amount, discover more damage, or the repair costs exceed the estimated amount.

Have Questions? Call FEMA or Your Insurance Company

• Call 800-621-3362 Monday through Friday from 8 a.m. to 6 p.m. and select Option 2. If you use TTY, call 800-462-7585. Those who use 711 or Video Relay Service can call 800-621-3362. Call center staff are available to assist you with information regarding your policy, offer technical flood guidance to aid in recovery and answer your questions.

• Go online to fema.gov/louisiana-disaster-mitigation for information about repairing and rebuilding.

Source – 

Understand the Flood Insurance Claim Process

BATON ROUGE, La.— Move your recovery forward and get informed to make sure you invest resources properly and rebuild or repair wisely.
 
Contact your community’s floodplain management or building officials to start the inspection process to determine if your home or business is substantially damaged. Also get the proper permits for things like plumbing, electrical system, foundation and structural repairs.

Substantial damage exists in Special Flood Hazard Areas, or floodplains—areas that have increased flooding risks— when the cost of restoring a structure equals or exceeds 50 percent of the structure’s pre-damage market value. However, some communities enforce a more restrictive definition. 
 
It’s important to know the structural damage percentage of your home or business because that information helps determine the work needed to repair or replace the damaged structure. It also helps determine if additional work will be needed to comply with local codes and ordinances.

You may appeal a substantial damage determination with your local officials if you disagree with their decision.

A structure located in a floodplain must be brought into compliance with local regulations if a local official determines it is substantially damaged. Local building departments may have adopted standards higher than FEMA’s that property owners would have to comply with when rebuilding.
 
Owners who decide to rebuild may need to elevate their structures, or change them in some other way to comply with local regulations and avoid future flood losses. Those who own non-residential structures may need to flood-proof their building.

Contact Local Officials About Substantial Damage and Permits,

Property owners who have flood insurance and a substantially damaged building in a floodplain may be able to get additional funds for costs related to complying with local regulations. Contact your insurance agent for more information. 

Your parish emergency management office can assist with contacting your community’s floodplain management or building officials.  Find their contact information online at www.gohsep.la.gov/about/parishpa.

If you have specific questions about your flood insurance policy or flood insurance claim, please call the FEMA call center at 800-621-3362 Monday through Friday from 8 a.m. to 6 p.m. and select Option 2.  If you use TTY, call 800-462-7585.  If you use 711 or Video Relay Service (VRS), call 800-621-3362.

Learn more about mitigation by going online to fema.gov/Louisiana-disaster-mitigation.

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Contact Local Officials About Substantial Damage and Permits Before Starting Work

WASHINGTON – As evacuations begin today in some coastal counties, with more likely to follow, the Federal Emergency Management Agency (FEMA) is urging residents to listen closely to state and local officials’ guidance and to take seriously any directions to evacuate. 

FEMA is working with its federal and state partners at the Regional Response Coordination Centers in Atlanta and Philadelphia to help coordinate any requests for assistance from states potentially affected by Hurricane Matthew.

According to the National Weather Service, Hurricane Matthew is moving northward with sustained winds of 125 miles per hour through the northern Caribbean, and it could impact Florida and the U.S. East Coast this week. Hurricane and tropical storm watches and warnings have been issued for Florida’s coastline. Heavy rain between four to ten inches, winds and significant wave heights are expected to impact the Florida Keys, coastal Southeast and the Carolinas beginning on Thursday through the weekend. Evacuations for some coastal counties are beginning today.

“Residents and visitors should take evacuation orders seriously and heed the directions of state, local and tribal officials,” said FEMA Administrator W. Craig Fugate. “This is a major hurricane that has the potential to cause significant harm to life and property. If instructed to evacuate, don’t wait for the next forecast, evacuate.”

FEMA liaisons are deployed to the state emergency operation centers in Florida, Georgia, North Carolina and South Carolina to assist state responses, as needed in advance of the storm. FEMA stands ready to assist additional states and tribes, as needed and requested.

FEMA Incident Management Assistance Teams (IMAT) are deployed to emergency operations centers (EOC) in Florida and North Carolina. Additional IMATs are scheduled to arrive at the EOCs in South Carolina and Virginia today to support preparation activities and ensure there are no unmet needs. Additional teams from around the country are ready to deploy to affected states and tribes as necessary.

Four Incident Support Bases have been identified in Georgia, North Carolina, New Jersey, and Massachusetts, to pre-position commodities and resources closer to potentially affected areas.

Shelters are beginning to open across the potentially impacted states. Download the FEMA mobile app for disaster resources, weather alerts, and safety tips, in English and in Spanish. The app provides a customizable checklist of emergency supplies, maps of open shelters and recovery centers, disaster survival tips, and weather alerts from the National Weather Service. The app also enables users to receive push notifications reminding them to take important steps to prepare their homes and families for disasters.

Safety and Preparedness Tips

Hurricane Matthew has potential for life-threatening rain, wind and storm surge. Those in potentially affected areas should be familiar with evacuation routes, have a communications plan, keep a battery-powered radio handy and have a plan for their pets.

Individuals should visit www.ready.gov or www.listo.gov to learn these and other preparedness tips for tropical storms or hurricanes. If the storm is expected to affect your area, know your evacuation zone and follow the direction of local or tribal officials if an evacuation is ordered for your area.

If you will be evacuating, contact family and friends to let them know you are leaving and where you’re going; and take your pets with you or pre-identify a pet-friendly safe location like a pet friendly hotel or shelter.

Create a household inventory: For insurance purposes, be sure to keep a written and visual (i.e., videotaped or photographed) record of all major household items and valuables, even those stored in basements, attics or garages. Create files that include serial numbers and store receipts for major appliances and electronics. Have jewelry and artwork appraised. These documents are critically important when filing insurance claims.

Other steps to take right now to protect property are:

  • Make sure your sump pump is working, and then install a battery-operated backup, in case of a power failure. If you already have a battery backup, install fresh batteries. Installing a water alarm will also let you know if water is accumulating in your basement.
  • Clear debris from gutters and downspouts. Clear storm drains in the street or near your home of leaves and debris.
  • Move electronics, valuables, and important documents to a safe place.
  • Roll up area rugs, where possible, and store them on higher floors or elevations. This will reduce the chances of rugs getting wet and growing mold.
  • Shut off electrical service at the main breaker if the electrical system and outlets will be under water.
  • If you incur expenses due to protecting your home in preparation for coming storms and flooding – such as purchasing sandbags – you may be able to file a claim against your National Flood Insurance Program flood policy for reimbursement. Call your insurance agent to discuss your coverage and learn more.

There is the potential for flooding with this storm. Driving through a flooded area can be extremely hazardous and almost half of all flash flood deaths happen in vehicles. When in your car, look out for flooding in low lying areas, at bridges and at highway dips. As little as six inches of water may cause you to lose control of your vehicle. If you encounter flood waters, remember – turn around, don’t drown.

Get to know the terms that are used to identify severe weather and discuss with your family what to do if a watch or warning is issued:

For a hurricane:

  • A Hurricane Watch is issued when a tropical cyclone containing winds of at least 74 MPH poses a possible threat, generally within 48 hours.
  • A Hurricane Warning is issued when sustained winds of 74 MPH or higher associated with a tropical cyclone are expected in 36 hours or less. A hurricane warning can remain in effect when dangerously high water or a combination of dangerously high water and exceptionally high waves continue, even though winds may be less than hurricane force.

For a tropical storm:

  • A Tropical Storm Watch is issued when tropical cyclone containing winds of at least 39 MPH or higher poses a possible threat, generally within 48 hours.
  • A Tropical Storm Warning is issued when sustained winds of 39 MPH or higher associated with a tropical cyclone are expected in 36 hours or less.

For flooding:

  • A Flood Watch is issued when conditions are favorable for flooding.
  • A Flood Warning is issued when flooding is imminent or occurring.
     

To learn more about what to do before, during and after severe weather, visit www.Ready.gov.
 

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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 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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FEMA Urges Residents to Take Evacuation Orders Seriously Ahead of Hurricane Matthew

BATON ROUGE, La. — If your home or business is damaged by a flood, you may be required to meet certain building requirements in your community to reduce future flood damage before you repair or rebuild. The National Flood Insurance Program (NFIP) Standard Flood Insurance Policy provides Increased Cost of Compliance (ICC) coverage, which may be available to help cover the costs of meeting those requirements, subject to eligibility.

If eligible, NFIP insurance policyholders may receive up to $30,000 of ICC coverage to help pay the costs to bring their building into compliance with their community’s floodplain ordinance. The coverage availability and payment limits are subject to the terms of the policy and maximum coverage limits, including all applicable NFIP rules and regulations.

Four options you can take to comply with your community’s floodplain management ordinance to reduce future flood damage include:

  • Elevation. This raises your home or business to or above the flood elevation level adopted by your community.
  • Relocation. This moves your home or business out of harm’s way.
  • Demolition. This tears down and removes flood-damaged buildings.
  • Floodproofing. This option is available primarily for non-residential buildings. It involves making a building watertight through a combination of adjustments or additions of features to the building that reduces the potential for flood damage.

You may be eligible to file a claim for your ICC coverage in two instances:

  1. When your community determines that your building is “substantially damaged,” wherein the cost to repair or improve the structure exceeds its market value by a threshold amount adopted by law or ordinance. Community building officials are responsible for the issuance of substantial damage declarations.
  2. When your community has a “repetitive loss” provision in its floodplain management ordinance and determines that your building was damaged by a flood two times in the past 10 years, where the cost of repairing the flood damage, on average, equaled or exceeded 25 percent of its market value at the time of each flood.

If your community does determine that your building is substantially or repetitively damaged, a local official will explain the floodplain management ordinance provisions that you will have to meet. You may also want to consult with the local official before you make the final decision about which of the options to pursue.

Once your community has made its determination, contact your insurer or insurance agent to file an ICC claim. You should start getting estimates from contractors to take the necessary steps to FRED — floodproof, relocate, elevate or demolish.

When the work is completed, local officials will inspect it and issue a certificate of occupancy or a confirmation letter.

It’s important to remember that only policyholders with substantially or repetitively flood-damaged buildings may be eligible for ICC coverage. ICC helps pay for the costs of meeting the floodplain management requirements adopted by law or ordinance in your community. Any item paid for in the original flood damage claim cannot be duplicated in the ICC payment.

For more information on ICC coverage, call your insurance company or agent, or call the NFIP toll-free at 800-427-4661. TDD# 800-427-5593.

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Local Regulations May Prompt Extra Flood Insurance Help

BATON ROUGE, La. — If your house flooded and you did not have flood insurance, you may have received some federal financial assistance for the August flooding. But if your home is in a floodplain and you hold a mortgage from a federally regulated or insured lender, you may be required to buy flood insurance.

This requirement applies when a building has been damaged and is located in an area that is at high risk of flooding. These high-risk areas are called Special Flood Hazard Areas (SFHAs).

In high-risk areas, there is at least a one in four chance of flooding during a 30-year mortgage. You may be restricted to only rental assistance in a future disaster unless you buy flood insurance and keep the policy in effect.

A flood-insurance policy protects you financially even when a presidential disaster is not declared or if you live in a parish that was not designated for federal assistance.

Once you receive federal financial assistance, you must keep flood insurance coverage at your address even if the damaged building is replaced by a new one. If you sell your home, you are required to inform the new owners that they must maintain flood insurance coverage on the building. Often, an existing flood-insurance policy can be transferred to a new owner with no lapse in coverage.

You may receive a Certificate of Flood Insurance for a Group Policy as a part of your federal Individuals and Households Assistance program (IHP) grant. This policy provides minimal coverage on the home equal to the maximum IHP grant currently available. For the Louisiana August 2016 floods, the required premium provides coverage of $33,000.

  • Group Policies have a term of three years, after which you will be required to purchase and maintain a Standard Flood Insurance Policy through the National Flood Insurance Program (NFIP) until you are no longer the homeowner or renter at that location. In order to avoid any lapse in coverage, it is important to apply for your new coverage at least 30 days before the expiration of the Group Policy.
  • You may cancel your participation in the Group Policy at any time during its policy term, provided that you have purchased your own NFIP flood insurance coverage.

If you are a renter and receive federal financial assistance, flood-insurance coverage must be maintained on the contents for as long as you live at the flood-damaged rental property. The requirement for flood insurance is lifted once you move from the building.

But, because federal law mandates the purchase of flood insurance as a condition of disaster funding, an applicant who does not comply with the flood insurance obligation may become mostly ineligible for future disaster assistance. It’s that important.

If you do not live in a flood zone but your home was flooded, you do not have to maintain flood insurance. Even without the legal requirement, it is a wise decision to purchase flood insurance.

Even though flood insurance isn’t federally required in moderate- to low-risk areas, homeowners and businesses that have mortgages from federally regulated or insured lenders may be required to purchase flood coverage by the mortgage holder. Anyone can be financially vulnerable to floods.

In fact, people outside of mapped high-risk flood areas file more than 20 percent of all National Flood Insurance Program flood-insurance claims and receive one-third of federal disaster assistance for flooding. When it’s available, disaster assistance is typically a loan you must repay with interest.

With all that you are going through, don’t let this vital coverage slip through the cracks. Protect yourself and your family from future financial loss by purchasing and maintaining flood insurance coverage.

For more information about the NFIP and flood insurance, call 800-427-4661 or contact your insurance company or agent.

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Your Right of Appeal for FEMA Disaster Assistance

BATON ROUGE, La. – FEMA has granted an extension for Louisiana National Flood Insurance Program (NFIP) policyholders affected by August’s severe storms and flooding to file proof-of-loss claims.

You now have 120 days from the date of your loss to file a flood insurance claim if you’re a Louisiana NFIP policyholder. The extension doubles the 60-day deadline NFIP usually requires for policyholders to submit a fully documented, signed and sworn proof-of-loss claim.

FEMA determined Louisiana policyholders need more time to file claims given the recent flooding’s magnitude.

The proof-of-loss is included in the claims package that documents your flood losses. The claims package should include:

  • Photos or video of your flood damage.
  • A comprehensive and itemized list of what was damaged.
  • Receipts, if possible, for your damaged items along with any other supporting documents that show the value of what you lost.

Contact your insurance company as soon as possible to begin processing your claim.

FEMA has streamlined its process to better service flood insurance claims and answer questions. You may call 800-621-3362 Monday through Friday from 8 a.m. to 6 p.m. and select Option 2. If you use TTY, call 800-462-7585. If you use 711 or Video Relay Service (VRS), call 800-621-3362.

Call-center staff are available to assist you with information regarding your policy, offer technical flood guidance to aid in recovery, and respond to general as well as complicated questions about the NFIP. FEMA can transfer you to your insurance carrier for additional assistance if you have questions specifically about your insurance claim.

Read article here: 

National Flood Insurance Program Deadline Extended in Louisiana for Filing Claims

DENTON, Texas –– New flood maps become effective in Harris County on Jan. 6, 2017. Residents are encouraged to look at them so they can determine the need to buy flood insurance. By knowing their risks, individuals and communities can make informed decisions about building and development.

Most homeowner insurance policies do not cover the effects of flooding. Anyone without flood insurance risks uninsured losses to their homes, personal property and businesses. Flood insurance is available either through a private policy, or through the National Flood Insurance Program (NFIP). The NFIP is a voluntary program administered by the Federal Emergency Management Agency (FEMA).                                                     

Residents with federal mortgages must have flood insurance if the structures are in flood hazard areas. Flooding is the #1 natural disaster in the U.S. and only flood insurance covers these unexpected, damaging and sometimes fatal events. Not all flooding events result in a major disaster declaration. Even when disasters are declared, there are limits to financial assistance.                                                                                             

To learn if your community participates in the NFIP and to review the new flood maps, contact your local floodplain administrator. “We all need to learn what our risks are and prepare for them,” said FEMA Region 6 Administrator Tony Robinson. “Floods can happen anywhere.”

FEMA map specialists and flood insurance experts also are available to answer questions. They can be reached by phone and online chat. 

FEMA encourages communities not currently participating in the NFIP to examine the benefits of joining the program. Contacting a local insurance agent is the first step to obtaining information about insurance. Folks can visit www.floodsmart.gov or call 1-888-379-9531 to locate an agent in their area.

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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 us on Twitter at www.twitter.com/femaregion6 and the FEMA Blog at http://blog.fema.gov

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Harris County, Texas, Flood Maps Become Final in January

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