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Fact Sheet-Frequently Asked Questions

APPLYING FOR ASSISTANCE

Q: Who should apply for federal disaster assistance?
A: Homeowners, renters and business owners in McLennan County and the City of West who sustained uninsured or underinsured damage to their homes, vehicles, personal property, business or its inventory should register with FEMA for assistance.

Q: Do I have to go to the Disaster Recovery Center (DRC) in West to register with FEMA?
A: No. There are several ways to register:
1. You may register by calling FEMA at 1-800-621-3362 or TTY 800-462-7585;
2. You may go to the DRC to use a telephone if one is not available to you;
3. Individuals who use 711 or Video Relay Service (VRS) may call 800-621-3362; or
4. You may register over the internet by going to www.DisasterAssistance.gov or by smart phone or tablet at m.fema.gov.

Q: What documents will FEMA need from my insurance company?
A: FEMA will want to see a settlement or denial letter from your insurance company to ensure there is no duplication of benefits. If your insurance company covers your losses, FEMA will not duplicate that coverage. If you still have unmet needs or damages that the insurance company does not cover, then FEMA may be able to provide you with assistance.

Q: What will FEMA accept as proof that I occupied my home?
A: We accept many documents as proof of occupancy. Examples are a utility bill from the gas, electric or water company, a pay stub, a current driver’s license, credit card bills or other first class mail sent to you that shows the damaged property as your address.

Q: Can I clean up my damages, demolish my home or begin to make repairs? Or do I have to wait for the FEMA inspector?
A: Yes, you may begin your repairs or demolition before a FEMA inspector visits your home. However, it is recommended to take photos of the damages before you clean. Remember to keep receipts for all of your expenses. Before starting the task of rebuilding, residents should visit with their local permitting office to obtain guidance on required permits.

Q: I am considering registering online or by phone. Are there any specific instructions I need to follow?
A: Yes, residents registering by phone or online will be asked to identify the description of damages sustained and must select the “EXPLOSION” option. Residents will then be asked to identify the type of damage and must select the “FIRE/SMOKE/SOOT/ASH” option. (Do NOT select the “other” option.)

Q: Do I have to sign anything to receive assistance?
A: As a condition of receiving assistance from FEMA, you or another adult member of your household will be asked to sign a statement confirming that you are a United States citizen, a non-citizen national, or qualified alien. If you or another adult member of your household cannot sign this statement, you may still receive assistance if you are the parent or legal guardian of a child in the household who is a United States citizen, non-citizen national or qualified alien. For information concerning your right to apply, you can call 1-800-621-3362.

Q: Do I have to repay the money from FEMA?
A: Money received through FEMA’s Individuals and Households Program does not have to be repaid. Disaster assistance loans from the U.S. Small Business Administration (SBA) must be repaid. FEMA cannot duplicate benefits. So, if you receive insurance or funding from another source that covers your losses, FEMA will not be able to provide grants for those same losses.

Q: I didn’t receive enough money to meet all my needs. What do I do now?
A: Most disaster aid programs are intended to meet only essential needs and are not intended to cover all your losses or make you whole. Also, some people qualify for assistance from more than one program and you may be receiving additional help from another agency. For example, the SBA is a very important source of funding for repair and replacement of your real and personal property. If you received a loan application packet from the SBA, please complete and return the application as soon as possible.

Q: I can’t afford a loan. Why am I being required to fill out a SBA loan application?
A: If the Small Business Administration determines you do not qualify for a disaster assistance loan, SBA will automatically refer you back to FEMA for additional help. FEMA may be able to provide money for other than housing needs. However this additional help is not available to businesses. FEMA’s additional help is intended to meet necessary expenses and serious needs not met by any other form of help, including insurance and SBA disaster assistance loans. Remember, if you receive an SBA disaster loan application, it’s important to fill it out and return it. If you don’t submit the SBA disaster loan application, the assistance process may stop prematurely.

Q. Does paying off my mortgage affect my eligibility for SBA disaster assistance?
A. Yes. If a mortgage holder has required a policy holder to use an insurance settlement to pay off or to pay down the balance of an outstanding mortgage, SBA must have evidence of that mandatory use of the insurance proceeds. That evidence may be in the form of a letter or other written documentation. Or the evidence may be in the form of a telephone conversation between the mortgage holder and SBA, which will be documented in the SBA file. This is necessary so that SBA can treat the insurance recovery as unavailable for making repairs. Otherwise, SBA must, by law, deduct the insurance recovery from the amount of the loss to arrive at the amount eligible for an SBA disaster loan.

Q: Does paying off my mortgage affect my eligibility with FEMA?
A: Each case is different. If you had damage from the plant explosion, please register with FEMA, and let FEMA determine your eligibility for assistance. If you have questions specific to your mortgage, contact your mortgage lender.

Disaster recovery assistance is available without regard to race, color, religion, nationality, sex, age, disability, English proficiency or economic status. If you or someone you know has been discriminated against, call FEMA toll-free at 800-621-FEMA (3362). For TTY call 800-462-7585.

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.

SBA is the federal government’s primary source of funding for the long-term rebuilding of disaster-damaged private property. SBA helps homeowners, renters, businesses of all sizes, and private non-profit organizations fund repairs or rebuilding efforts, and cover the cost of replacing lost or disaster-damaged personal property. These disaster loans cover uninsured and uncompensated losses and do not duplicate benefits of other agencies or organizations. For information about SBA programs, applicants may call 800-659-2955 (TTY 800-877-8339).

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Fact Sheet-Frequently Asked Questions

New Jersey Recovers From Superstorm Sandy: By The Numbers

TRENTON, N.J. — Disaster assistance to New Jersey survivors of Superstorm Sandy by the numbers as of May 6:

$393.6 million in FEMA grants approved for individuals and households
- $339.3million for housing assistance
- $54.3 million for other needs
$755.8 million in SBA disaster loans approved for homeowners, renters and businesses
$307.3 million approved in FEMA Public Assistance grants to communities and some nonprofit organizations that serve the public
$3.4 billion in total National Flood Insurance Program payments made on claims to date
261,442 people contacted FEMA for help or information
182,226 housing inspections completed
123,416 visits to Disaster Recovery Centers made

Individuals can check on the status of their applications at DisasterAssistance.gov, via smartphone or tablet at m.fema.gov or by calling 800-621-3362 or TTY 800-462-7585. Those who use 711-Relay or Video Relay Services can call 800-621-3362.

Survivors can ask questions about their SBA disaster home or business loan applications by calling 800-659-2955 or TTY 800-877-8339 or emailing disastercustomerservice@sba.gov.

Survivors who have questions about their flood insurance claims and the appeals process can call 800-427-4661.

Additional resources are available online at FEMA.gov/SandyNJ and SBA.gov/Sandy.

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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New Jersey Recovers From Superstorm Sandy: By The Numbers

Deadline Approaching in Louisiana for Hurricane Isaac Flood Insurance Claims

BATON ROUGE, La. — Louisiana property owners whose homes or other structures were damaged during Hurricane Isaac-related flooding have only a short time remaining to file claims for their losses. Most policyholders have until April 22 to complete their proof of loss claims.

Because of the widespread destruction caused by the storm, the National Flood Insurance Program (NFIP) authorized four extensions to the initial 60-day filing deadline, increasing policyholders’ time to file to 240 days from the date of loss.

Hurricane Isaac first made landfall in Louisiana Aug. 28, 2012, with heavy rainfall and flooding occurring several days before and after it hit. For this reason the date of loss varies for property owners.

The NFIP is administered by the Federal Emergency Management Agency (FEMA). Since Isaac made landfall, 13,181 claims have been filed in Louisiana and NFIP has paid out nearly $472 million.

“Hurricane Isaac disrupted the lives of thousands of people here in Louisiana so it was important to give policyholders time to collect information and file their flood insurance claims,” said Federal Coordinating Officer Gerard M. Stolar of FEMA. “However, people who haven’t yet submitted claims to their agents should do so now before it’s too late.”

Policyholders with questions about flood insurance or concerns about their claims should call the Hurricane Isaac Flood Insurance Call Center at 1-866-331-1679 or 1-866-330-7286 or talk to their local insurance representative.

For more information on Louisiana disaster recovery, visit online at www.fema.gov/disaster/4080 or www.gohsep.la.gov. Twitter at twitter.com/femaregion6 or on Facebook at www.facebook.com/FEMA. Also visit our blog at www.fema.gov/blog.

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Deadline Approaching in Louisiana for Hurricane Isaac Flood Insurance Claims

New York: By the Numbers

NEW YORK — Disaster assistance to New York survivors of Hurricane Sandy has reached nearly $3.2 billion, including:

Nearly $954 million in FEMA grants approved for individuals and households
- Nearly $818 million for housing assistance
- More than $136 million for other needs
Nearly $1.4 billion in SBA disaster loans approved for homeowners, renters and businesses
Nearly $824 million approved in FEMA Public Assistance grants to communities and some nonprofit organizations that serve the public

Other assistance:

More than $3.3 billion in National Flood Insurance Program payments made to policy holders
271,188 people have registered for assistance in the 13 designated counties
183,358 housing inspections completed
179,240 visits to Disaster Recovery Centers
5.6 million cubic yards of debris removed
More than 500 voluntary agencies involved in recovery
26 languages used to communicate assistance information to survivors

Individuals can register with FEMA online at DisasterAssistance.gov or via smartphone or tablet at m.fema.gov. Applicants may also call 800-621-3362 (Voice, 7-1-1/Relay) or TTY 800-462-7585. The toll-free telephone numbers operate 7 a.m. to 10 p.m. EST, seven days a week.

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New York: By the Numbers

FEMA Approves $1.62 Million for Mitigation Project in Culebra

San Juan, PR – The Federal Emergency Management Agency (FEMA) has approved $1.62 million to the Puerto Rico Ports Authority for the rehabilitation of the Terminal Cargo Ramp in Culebra. The funds were made available under FEMA’s Hazard Mitigation Grant Program (HMGP) to enhance the resilience of the sole cargo ramp in the Island Municipality, which provides normal daily services, as well as during emergency situations.

“For years, when hurricanes and tropical storm events affected Culebra, the residents and visitors of the municipality remained isolated for days. This project assures the continuity of port services, for which most residents depend on for their daily routine. The services will continue without major interruptions during and after disaster events,” said FEMA’s Caribbean Area Division Director Alejandro De La Campa. “More than 1,800 Culebra residents will benefit from this mitigation measure, as well as thousands of tourists that visit the Island on a yearly basis.”

Past hurricanes and continuous wave action have deteriorated the concrete cargo platform at Bahía de Sardinas, in Culebra’s Dewey Ward. If the platform is left unattended, it may collapse eventually. Also, seawaters surrounding Culebra (up to three nautical miles) and its neighboring islands and cays are designated critical habitat for the green sea turtle. These elements were taken into consideration while choosing the structural mitigation measure to apply: improving the structure with the lowest impact on the adjacent ocean environment.

A project of this nature involves the structural evaluation of the terminal cargo ramp, its designing phase and the construction phase of the structure. The rehabilitation activities includes the partial demolition of the existing concrete platform, removal of the concrete debris outside the platform area, construction of a new concrete platform with new reinforcing steel, and concrete deposit with corrosion inhibitor additives. The total project cost is $2.16 million, with the Commonwealth of Puerto Rico providing $542,269, which represents the 25% State share.

FEMA’s HMGP provides grants to States and local governments to implement long-term hazard mitigation measures after a major disaster declaration, 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.

State officials interested in heading up such projects to mitigate public facilities may learn more about the Hazard Mitigation Grant Program by going online to FEMA’s Federal Insurance and Mitigation Division section on the Federal Emergency Management website at http://www.fema.gov/fima/mitgrant.shtm.

FEMA News Desk: (787) 296-3554, (787) 296-3560

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FEMA Approves $1.62 Million for Mitigation Project in Culebra

April 13 deadline nears for FEMA registration, SBA applications

NEW YORK – April 13 is the deadline to register for possible federal disaster assistance and to apply for a U.S. Small Business Administration disaster loan to help New York recover from Hurricane Sandy.

As the registration and application deadline nears a week from Saturday, more than $3.1 billion in disaster assistance has been approved for survivors.

That figure translates into families getting back into their homes and schools, businesses reopening, and neighborhoods beginning to move forward.

The deadline for survivors to register for possible FEMA assistance and to apply for an SBA disaster loan is April 13. Registration can be made by using one of several sources:

Online at DisasterAssistance.gov.
Via smartphone or tablet, go to m.fema.gov or download the FEMA app.
By phone, 800-621-3362 (Voice, 7-1-1/Relay) or (TTY) 800-462-7585.

SBA disaster loan applications can be completed at https://DisasterLoan.SBA.gov/ELA. For more information about SBA disaster loans call 800-659-2955 (TTY 800-877-8339).

Recovery has been a whole community effort that has included local, state, tribal and federal agencies, the private sector and voluntary and faith-based organizations. And as rebuilding continues into the months ahead, resources and expertise from these organizations will be united through Federal Disaster Recovery Coordination, driven by individual, local and state needs.

In the months since Sandy swept across New York, nearly 271,000 people have registered for assistance in the 13 designated counties. More than $943 million has been put into the hands of survivors for rental assistance, repairs and replacement of items lost in the storm.

The SBA has approved loans totaling more than $1.3 billion for homeowners, renters and businesses of all sizes.

The National Flood Insurance Program has paid claims totaling $3.2 billion to 56,688 policy holders.

Just a few days after the storm, the state and FEMA opened its first Disaster Recovery Center for survivors. In all, 65 recovery centers were opened to assist more than 176,000 disaster survivors.

At its peak, FEMA and other federal agencies deployed more than 4,156 personnel to New York from all 50 states, the District of Columbia and five U.S. territories. Nearly 2,000 – including 500 New Yorkers hired for recovery work – remain.

And to relieve the local, state and tribal governments of a significant portion of the financial burden of paying for infrastructure impacted by Sandy, FEMA’s Public Assistance program has approved $817 million for the repair or replacement of public facilities, debris removal and emergency costs resulting from the disaster. The program is funded by FEMA and administered by the state.

To date, 628 projects have been approved for funding under the Public Assistance program, including hospitals, schools, public parks and libraries, transportation and private non-profit organizations.

The U.S. Army Corps of Engineers and local and state agencies have removed 5.6 million cubic yards of debris – enough debris to fill the 102-story Empire State Building a little more than 3.5 times. The Corps also drained 270 million gallons of water from subways, tunnels and underpasses within two weeks of the storm, enough to fill a space equal to 843 football fields one foot deep.

More than 500 local, state and national voluntary and faith-based organizations have helped people in need. They are providing donations, volunteer management, home repair, child care, counseling services and removal of muck and mold from homes.

FEMA, along with local and state leaders, developed the Sheltering and Temporary Essential Power (STEP) program that provided emergency repairs and enabled more than 21,000 families in New York City, Nassau and Suffolk counties to return to their homes until permanent repairs could be completed.

To ensure that language was not a barrier to receiving assistance, FEMA provided information in 26 languages, deployed multilingual field specialists and established a toll-free Language Assistance Line to support non-English/non-Spanish speakers.

Meeting the needs of deaf, hard of hearing or blind survivors was addressed using assisted technology tools that included text-to-speech software and a variety of magnifiers for blind or low vision people visiting recovery centers. Deaf or hard of hearing survivors were offered enhanced listening devices, iPad 3s with sign language interpreting apps, and captioned phones.

The private sector also played a key role in spreading information about the kinds of assistance available. The business community has displayed the message on video screens in Times Square, Madison Square Garden and Lincoln Center, among other places. The Metropolitan Transit Authority placed posters at bus stops and subway entrances and on the Staten Island Ferry. The NYC Taxi Commission put the message on video screens in taxi cabs.

Because of a shortage of available rental units after the storm, FEMA temporarily housed 99,243 individuals and families in hotels and motels through its Transitional Sheltering Assistance Program while they sought longer-term housing arrangements.

FEMA utilized social media to reach the large New York audience and amplify the availability of state and federal programs. News releases about programs and audio and video best practices were posted for the world to see. Since the beginning of this disaster the “@FEMASandy” Twitter account has accumulated 3,100 followers and the Sandy Facebook page has received 2,490 “likes.”

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April 13 deadline nears for FEMA registration, SBA applications

Federal Disaster Assistance in Connecticut Following Sandy Tops One Quarter Billion Dollars

WINDSOR, Conn. — More than a quarter billion dollars in federal disaster grants, loans and insurance settlements is supporting the ongoing Connecticut recovery from Hurricane Sandy, the Federal Emergency Management Agency announced today.

As of close of business March 20:

12,380 Connecticut residents in the counties of Fairfield, Middlesex, New Haven and New London, and in the Mashantucket Pequot and Mohegan Tribal Nations located within New London County, signed up for federal disaster assistance during the registration period which ended Feb. 12;
$12,068,937 was approved for housing assistance, including short-term rental assistance and home repair costs;
$997,312 was approved to cover other essential disaster-related needs, such as medical and dental expenses and lost personal possessions;
$40,829,200 in low-interest disaster loans for homeowners, renters, businesses and private nonprofit organizations has been approved by the U.S. Small Business Administration;
$10,969 in Disaster Unemployment Assistance has been approved as a result of Sandy;
$3,529,608 in Public Assistance grants has so far been obligated to municipalities statewide for Sandy-related expenses. Under the PA program, FEMA expects to reimburse the state, local governments and tribal nations more than $52 million in storm-related expenses, which represents the 75 percent federal share of such projects. FEMA continues to obligate funding for approved PA projects; and
4,939 flood insurance claims totaling $195,555,764 have been paid to date, representing nearly 90 percent of total National Flood Insurance Program claims in the state of Connecticut following Hurricane Sandy.

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Federal Disaster Assistance in Connecticut Following Sandy Tops One Quarter Billion Dollars

FEMA Coastal Construction Information Available For Post – Sandy Rebuilding

TRENTON, N.J. — The Federal Emergency Management Agency has produced materials to give technical guidance to home builders and property owners planning post-Sandy construction or repairs in coastal areas.

Investigations conducted by FEMA and other organizations have consistently shown that properly sited, well-designed and well-constructed coastal residential buildings generally perform well in coastal disasters.

For residential builders and do-it-yourselfers, FEMA offers a series of Fact Sheets (available free at Fema.gov) that provide technical guidance and recommendations concerning the construction of coastal residential buildings.

The Home Builders Guide to Coastal Construction: Technical Fact Sheet Series is aimed at improving the stability of buildings in coastal environments that may be subject to flood and wind forces.

The 37 fact sheets are divided into 10 categories that cover various aspects of the construction process. Each fact sheet provides specific information on topics like National Flood Insurance Program regulatory requirements, the proper siting of coastal buildings and recommended design and construction practices.

Many of the fact sheets also include lists of FEMA and other resources that provide more information about the topics discussed. Where appropriate, resources are accompanied by active web links.

Updated in 2011, a Coastal Construction Manual — prepared with assistance from other agencies, organizations and professionals involved in coastal construction and regulation — is intended to help designers and contractors identify and evaluate practices that improve construction quality.

The two-volume publication provides a comprehensive approach to planning, siting, designing, constructing and maintaining homes in the coastal environment.

Volume 1 provides information on hazard identification, siting decisions, regulatory requirements, economic implications and risk management.

Volume II contains in-depth descriptions of design, construction and maintenance practices that, when followed, will increase the durability of residential buildings in the harsh coastal environment and reduce economic losses associated with coastal natural disasters.

The primary audience for Volume I includes design professionals, officials and those involved in the decision making process. The primary audience for Volume II is the design professional who is familiar with building codes and standards and has a basic understanding of engineering projects.

The Coastal Construction Manual (FEMA publication P-55) and the Home Builders Guide to Coastal Construction Technical Fact Sheet Series (FEMA publication P-499) may be downloaded in Portable Document Format as PDF files or as plain text (.txt) files at fema.gov.

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 Coastal Construction Information Available For Post – Sandy Rebuilding

Purchasing — and MAINTAINING — Flood Insurance is a Great Investment at Any Time

DENVER – There’s a hidden threat that strikes countless unprepared Americans each year – flooding. Unlike fire, wind, hail or most other perils, flood damage is not covered by a homeowners policy. An uninsured flood loss can undo a lifetime’s worth of effort and create a mountain of bills. Fortunately, a National Flood Insurance Program (NFIP) policy provides the defense against such losses and can ensure that a flood doesn’t bring financial ruin.

Flooding is an ever present threat; it can happen at any time and in virtually any location. While certain areas may be more prone to flooding – especially those in coastal areas or riverine environments – history has shown that almost no place is immune to flooding. Flooding can have many causes: a quick heavy rainfall or rapid snowmelt can cause flash flooding, a blocked culvert or storm sewer drain can create flooding in a city neighborhood, or prolonged wet weather can swell streams and rivers. Even dry conditions can pose a threat, as minimal rainfall in wildfire burn areas or drought stricken regions can create flash flooding when soils are unable absorb even slight precipitation.

Flood insurance is easy to get, the only requirement is that you live in a participating community (which might be a county or other jurisdiction for those living in unincorporated areas). That’s right; you don’t need to live in a floodplain to purchase a policy. In fact, if you live outside a floodplain you may be eligible for a preferred risk policy that has a much lower premium than for a policy in a higher flood risk area. And in most cases you can purchase an NFIP policy with the insurance agent you already deal with for other insurance needs. When that isn’t possible, NFIP can put you in touch with another agent that can get you a flood insurance policy.

One key difference of an NFIP policy from another insurance policy is the 30 day waiting period prior to the policy going into effect. But that doesn’t mean anyone should view a policy like a lottery ticket, something purchased only if flooding appears imminent. A policy should be viewed as protection against a continuing threat rather than a hedge against a singular event such as anticipated spring flooding or flooding following a wildfire.

The average cost of flood insurance is about $650 a year – less than $2 a day for financial protection from what could be devastating effects of a flood to one’s home or business. By purchasing a policy now, or keeping your existing policy, you have peace of mind. As with any insurance, be sure to talk with your agent about the specifics of your policy – how much coverage you need, coverage of contents as well as structure and any other questions you might have.

Find out more about your risk and flood insurance at www.floodsmart.gov. To purchase flood insurance or find an agent, call 1-800-427-2419.

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Purchasing — and MAINTAINING — Flood Insurance is a Great Investment at Any Time

It Pays To Have Flood Insurance

SAN JUAN, Puerto Rico – Last year, Puerto Rico endured numerous severe weather events including flooding, heavy rains and storm surges which affected families and businesses in various degrees, but were not extensive enough to justify a federal disaster declaration. However, more than half a million dollars were paid to flood affected business owners, renters and families who own flood insurance policies from the National Flood Insurance Program (NFIP).

“Buying and maintaining flood insurance assures you that assistance will arrive when you have to deal with a flood damaged property. Take steps now to protect your property and financial well-being,” said Alejandro De La Campa, FEMA’s Caribbean Area Division Director. “Buy flood insurance now and be covered by the start of hurricane season, because when you purchase a flood insurance policy there is a 30-day waiting period before it takes effect.”

Through the NFIP, homeowners can insure their homes for up to $250,000 and its contents for up to $100,000. Renters can buy coverage for personal property for up to $100,000. Nonresidential property owners can insure a building and its contents for up to $500,000.

Currently, 56,572 policy holders in Puerto Rico participate in the NFIP. This insurance can be purchased through your local insurance agent or company. Also, you can go online at www.floodsmart.gov or call 1-800-427-2419 for general flood insurance information.

Furthermore, FEMA advises residents to contact their local floodplain management officials to view current local flood maps. Additional information is also available online through FEMA’s Map Service Center at www.msc.fema.gov or www.jp.gobierno.pr/avi/ to see the updated flood map for your community.

Decide to be ready for any type of disaster, visit www.ready.gov and www.fema.gov for tools and resources to prepare for, respond to and recover from emergency events.

FEMA News Desk (787) 296-3554; (787) 296-3560

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It Pays To Have Flood Insurance

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