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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

There’s More to the NFIP than Just the Policy

PHILADELPHIA, Pa. – Flooding is the most common natural disaster in the United States. Recently there have been more frequent severe weather events, like Hurricane Sandy that ravaged the East Coast. The Federal Emergency Management Agency (FEMA) manages the National Flood Insurance Program (NFIP) which provides flood insurance policies that give millions of Americans a defense against flooding. But flood insurance policies are only one component of the program and just part of the protection that the NFIP provides to individuals and the American public.

Anyone living in an NFIP participating community can purchase an NFIP flood insurance policy. It is up to the community to decide to enter the NFIP program for the benefit of its citizens. When joining the program, the community agrees to assess flood risks and to establish floodplain management ordinances. As a result, residents can buy federally-backed flood insurance policies. You can find out if your community participates in the NFIP by reviewing the Community Status Book, available at fema.gov/cis/nation.

“By participating in the NFIP, communities take great strides to make everyone in the community more resilient to flooding” said FEMA Region III Administrator MaryAnn Tierney. “Not only does it make the community stronger, but it opens up a lot of resources to everyone in the community; it’s a huge step to preparing for flooding.”

One of the cornerstones of the NFIP is the flood mapping program. FEMA works with states and local communities to conduct studies on flood risks and develop maps that show the level of risk for that area, called Flood Insurance Rate Maps (FIRMs). These FIRMs have useful information that can help communities plan development. The area that has the highest risk of flooding is the Special Flood Hazard Area (SFHA), commonly called the floodplain. The SFHA has a one percent chance of being flooded in any given year. Because of the greater risk, premiums for flood insurance policies for properties in the SFHA are greater than for those for properties outside of it.

Equally important to knowing the risks of flooding is having a plan to address those risks. This is the role of floodplain management. Local communities must comply with minimum national standards established by FEMA, but are free to develop stricter codes and ordinances if they want to. Key elements of floodplain management include building codes for construction in the floodplain and limitations on development in high risk areas. Floodplain management is an ongoing process, with communities continually reassessing their needs as new data becomes available and the flood risk for areas change.

The NFIP brings all levels of government together with insurers and private citizens to protect against the threat of flooding. Federally sponsored flood maps and locally developed floodplain regulations give property owners the picture of their risk and ensure building practices are in place to minimize that risk. As a property owner, purchasing a flood insurance policy is a measure you can take to further protect yourself. To find out more about your individual risk contact your local floodplain administrator. For more information on flood insurance policies or to find an agent, visit floodsmart.gov or call 1-800-427-2419.

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. FEMA Region III’s jurisdiction includes Delaware, the District of Columbia, Maryland, Pennsylvania, Virginia and West Virginia. Stay informed of FEMA’s activities online: videos and podcasts are available at fema.gov/medialibrary and youtube.com/fema. Follow us on Twitter at twitter.com/femaregion3.

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There’s More to the NFIP than Just the Policy

In Route to Be Better Prepared

SAN JUAN, PR – They are young, enthusiastic and prepared to respond to, recover from and mitigate all hazards in their school and communities. A few weeks ago a group of teenagers in Humacao, led by Gabriela Rodriguez-Boria, completed their Community Emergency Response Team (CERT) training as part of Gabriela’s project as the Federal Emergency Management Agency (FEMA) Region II Youth Council Representative.

While seeking opportunities to prepare youngsters to be ready before and after a disaster strikes, Gabriela’s project includes CERT training for teenagers. CERT is a program that educates people about disaster preparedness for hazards that may impact their area and trains them in basic disaster response skills, such as fire safety, light search and rescue, team organization, and disaster medical operations. With a solid commitment to encourage that generations are better aware of emergency preparedness, FEMA counts on programs, such as CERT and projects like Gabriela’s to help communities become smarter and more resilient sooner.

“As we prepare our plans, we have to keep in mind the importance of including younger audiences in the process. Youngsters have a significant influence on their peers and families, and we see Gabriela and her project as a good example. She drives this preparedness message further on,” said FEMA’s Caribbean Area Division Director, Alejandro De La Campa.

Thirteen-year old Gabriela, organized a CERT of approximately 15-20 students at the school she attends, the Colegio Nuestra Señora del Perpetuo Socorro in Humacao. Her parents and this private school have been very supportive and involved in Gabriela’s activities to the point of completing various emergency preparedness courses.

“We are organizing a Preparedness Day at our school and plan to replicate the Teen CERT training in other schools in neighboring communities. We can get our schools, neighbors, churches, families and friends involved in similar activities so they can learn surviving techniques for future emergencies. This is my goal,” said Gabriela, who represents FEMA Region II in the Youth Preparedness Council. Puerto Rico is one of the jurisdictions under this Region, which also includes New York, New Jersey and the US Virgin Islands.

This week, March 3-9, the National Oceanic and Atmospheric Administration (NOAA) and FEMA have partnered again for the National Severe Weather Preparedness Week, futhering the readiness message and encouraging every one in our communities to get better prepared for severe weather events. Gabriela’s project represents an innovative and personal approach to improve emergency preparedness in her community.

There is additional information about Gabriela’s project and the Youth Council at www.citizencorps.gov/getstarted/youth/youthindex. If you are interested in becoming a CERT member, locate the nearest CERT team or check for upcoming training opportunities, visit www.citizencorps.gov/cert. Learn more about emergency preparedness and how to improve your community resiliency to emergency situations by visiting www.fema.gov, www.weather.gov or www.ready.gov.

FEMA News Desk (787) 296-3554, 3560

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In Route to Be Better Prepared

Two weeks remain to register with FEMA

NEW YORK – Survivors of Hurricane Sandy have two weeks to register for possible disaster assistance and to return applications for low-interest disaster loans to the U.S. Small Business Administration.

The deadline for both is March 29.

FEMA urges everyone who sustained losses from Hurricane Sandy to register, including those who have insurance. Insurance may not cover all losses.

The 13 designated counties are: Bronx, Kings, Nassau, New York, Orange, Putnam, Queens, Richmond, Rockland, Suffolk, Sullivan, Ulster and Westchester.

FEMA disaster assistance for individuals and families can include money for rental assistance, essential home repairs, personal property and other serious disaster-related needs not covered by insurance.

There are several ways to register:

Online at www.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.
The toll-free telephone numbers operate 7 a.m. to 10 p.m. EDT seven days a week until further notice.

Survivors who receive a low-interest disaster loan application from SBA after registering with FEMA should complete and return the application even if they do not plan to accept a loan. By completing the application, applicants may become eligible for additional grants from FEMA. By not completing and returning the applications, survivors could potentially be leaving recovery assistance money on the table.

A simple and fast way to complete a disaster loan application is online, using the SBA’s electronic loan application. Go to https://DisasterLoan.SBA.gov/ELA. Applicants can receive an update on the status of their application by calling 800-659-2955 (TTY 800-877-8339).

SBA customer service representatives are available to issue or accept low-interest disaster loan applications and answer questions at all New York State/FEMA disaster recovery centers and SBA business recovery centers and disaster loan outreach centers. To locate the nearest business recovery center, visit www.sba.gov or call 800-659-2955 (TTY 800-877-8339).

For more information on New York’s disaster recovery, visit www.fema.gov/SandyNY, www.twitter.com/FEMASandy, www.facebook.com/FEMASandy and www.fema.gov/blog.

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Two weeks remain to register with FEMA

Disaster Recovery Center In Lamar Park To Close Friday

PURVIS, Miss. – The Disaster Recovery Center in Lamar Park at 226 Pinewood Dr. will close Friday, March 15, at 6 p.m., according to the Mississippi Emergency Management Agency and the Federal Emergency Management Agency.

One other DRC in Mississippi will remain open at the Ben McNair Recreation Center, 300 North 12^th Avenue in Hattiesburg. People who are unable to visit the Lamar Park facility before it closes can talk to disaster specialists at the Ben McNair center from 8 a.m. to 6 p.m. Monday through Saturday until further notice.

At the DRC, applicants and others with questions about disaster recovery can meet face-to-face with state and federal specialists who can provide information and answer questions about storm-related assistance. Also on hand at the DRC are representatives from the US Small Business Administration who can help survivors understand and complete applications for low-interest disaster loans.

For those unable to visit the centers, help is readily available by phone at 800-621-3362 or TTY 800-462-7585. C-Spire Wireless customers can reach FEMA by calling #362. Disaster survivors can register for assistance at these numbers or online at www.DisasterAssistance.gov. With an internet-capable smartphone or other PDA, the address is m.fema.gov.

The SBA toll-free number is 800-659-2955 or TTY 800-877-8339. SBA help also is available by sending an email to disastercustomerservice@sba.gov or on the web at www.sba.gov.

MEMA and FEMA urge people affected by the recent storms and flooding to register with FEMA before visiting the center.

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 temporary housing assistance and grants for public transportation expenses, medical and dental expenses, and funeral and burial expenses do not require individuals to apply for an SBA loan. However, applicants who receive SBA loan applications must submit them to SBA loan officers to be eligible for assistance that covers personal property, vehicle repair or replacement, and moving and storage expenses.

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Disaster Recovery Center In Lamar Park To Close Friday

The Sovereign Navajo Nation and FEMA Sign Formal Disaster Aid Agreement

The Sovereign Navajo Nation and FEMA Sign Formal Disaster Aid Agreement

Mentmore, NM – The signing of a precedent setting formal agreement to implement federal disaster assistance directly with the Sovereign Navajo Nation will take place on Thursday, March 14, 2013 at the Navajo Division of Transportation complex. The ceremony, conducted with representatives of the U.S. Department of Homeland Security’s Federal Emergency Management Agency (FEMA) and tribal leadership, reflects the working partnership developed to assist the Navajo Nation with their recovery from severe freeze that occurred December 15, 2012 to January 21, 2013.

This is the first FEMA-Tribal agreement implemented west of the Mississippi since the amendment of the Stafford Act that provides federally recognized tribal governments to make a request directly to the President for a major disaster declaration without going through a state government.

“We are thankful that we are taking a step to further strengthen our sovereignty as the Navajo Nation. This agreement recognizes the government to government relationship we have with the federal government. We look forward to working together to help our people,” Navajo Nation President Ben Shelly said.

The Presidential disaster declaration for this severe freeze event made FEMA’s Public Assistance and Hazard Mitigation Grant Programs available to the tribe. “I am pleased to partner with the Navajo leadership in addressing their disaster-related needs,” said FEMA Region IX Administrator Nancy Ward. “Our team of public assistance and mitigation specialists will continue to work closely with Tribal members to document all eligible costs and damages and to make funds available to assist with repairs and improvements.”

FEMA’s Public Assistance Program provides supplemental funding to state, tribal and local governments and certain private nonprofit organizations to help them recover from disasters. It partially reimburses eligible applicants for extraordinary costs incurred while responding to a disaster and costs related to restore damaged infrastructure.

FEMA’s Hazard Mitigation Grant Program provides funds to supplement those of eligible applicants to undertake projects that build resilience and eliminate or reduce damage in future hazardous events.

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The Sovereign Navajo Nation and FEMA Sign Formal Disaster Aid Agreement

FEMA Releases Preliminary Flood Hazard Information for Vallejo Waterways

Latest study reveals increased flooding risk for some Bay Area Waterways

OAKLAND, Calif. – The U.S. Department of Homeland Security’s Federal Emergency Management Agency (FEMA) is working with the city of Vallejo, Calif. to update flood hazard risk information. FEMA has released preliminary flood maps that will help community officials, local individuals and business owners identify known flood risks. When finalized, the maps will be used for flood insurance, land use and development decisions. The revised flood maps are digital, incorporating the latest available technology to identify flood risk based on detailed engineering models, decades of rainfall and storm gauge information, and current topographic data.

Flooding is the most common disaster in the United States, so individuals and business owners near Chabot Lake, Blue Rock Springs Creek, Lake Dalwigk, Lemon Street Canal, Magazine Street Canal, Miller Ditch, and Rindler Creek and tributaries are urged to look at the preliminary flood maps to become familiar with flood risks. These flood maps can help make informed decisions about flood insurance options and flood protection measures.

If individuals and business owners believe the preliminary flood maps contain errors, they may submit appeals by sharing scientific or technical information through their community officials for FEMA review. Once all appeals are resolved, FEMA will make any necessary updates and notify community officials of any further changes. Floodplain administrators in each community have copies of the maps available for public viewing.

For more information about flood insurance, premium estimates or to find a local agent, visit www.floodsmart.gov or call 1-888-379-9531.

For specific questions about flood maps and FEMA’s flood hazard mapping program, call 877-FEMA-MAP (877-336-6267), email FEMAMapSpecialist@riskmapcds.com or visit http://msc.fema.gov.

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FEMA Releases Preliminary Flood Hazard Information for Vallejo Waterways

FEMA, MEMA and FEMA Corps Reach Out to University of Southern Mississippi

PURVIS, Miss. –Students, staff, alumni and fans at the University of Southern Mississippi may have noticed some new faces around campus and sporting events. Folks from the Federal Emergency Management Agency, Mississippi Emergency Management Agency, the U.S. Small Business Administration and FEMA Corps were on campus and at athletic events this past month to assist Golden Eagle fans affected by the recent tornadoes and flooding.

A Disaster Information Station set up on campus in the R.C. Cook Student Union served as a hub for busy students and faculty to receive information and ask questions about disaster assistance. More than 50 people visited the station between Feb. 25 and March 1.

To get the word out even more, the MEMA/FEMA community relations teams were at the USM men’s basketball game March 2 when the Golden Eagles defeated East Carolina at the Reed Green Coliseum. They greeted people at the gates, handed out flyers and answered questions as fans filed in for the game.

“Some people would walk by and we’d hand them a card and some would stop to talk,” said MEMA Individual Assistance Director Dan Magee. “A lot of people would walk up and say thank you, we appreciate ya’ll. They were really great and thankful.”

At the USM baseball game Saturday, teams stood outside the gates at Pete Taylor Park/Hill Denson Field, greeting fans and making themselves available for questions.

“We were there to provide info if they needed it,” said FEMA Corps member Katy Cobb. “They mostly just kind of gave us a smile and walked into the game.”

Though they weren’t donning black and gold like the fans, they were still there for the same reason: to support the USM community.

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.

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FEMA, MEMA and FEMA Corps Reach Out to University of Southern Mississippi

Attention Senior Sandy Survivors: Beware Of Scams

TRENTON, N.J. — New Jersey seniors recovering from Hurricane Sandy are strongly advised to beware of scam artists claiming to represent the Federal Emergency Management Agency, the Small Business Administration or the National Flood Insurance Program.

By going door to door to storm-damaged homes or making contact by phone or on the Internet, scam artists may try to obtain personal information such as Social Security and bank account numbers or falsely claim that you need to make a payment to a federal agency.

To avoid being a victim of a scam, remember:

On any follow-up calls, a FEMA representative will only ask for the last four digits of the applicant’s Social Security number.
While a FEMA representative may visit your home in connection with your claim, they will not ask you to make a payment.
If someone comes to your door identifying themselves as a FEMA, SBA or NFIP representative, ask to see their federal identification badge. All authorized FEMA or SBA employees are required to display a laminated photo identification badge at all times.
If you believe you have been the victim of a scam, call the FEMA Fraud Hotline at 800-323-8603 or call the New Jersey Division of Consumer Affairs at 800-242-5846.

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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Attention Senior Sandy Survivors: Beware Of Scams

Reach Out For Help When Disaster-Related Stress Strikes

PURVIS, Miss. – Mississippians facing the loss of their homes, businesses or cherished possessions after the recent tornadoes may be struggling also with the emotional impact of the disaster. It is not uncommon for those living through a disaster to suffer anxiety, sorrow and depression. These emotions can emerge days, weeks or even months later.

Everyone has a different way of coping. Many find that talking about what has happened with trusted friends or family helps them move forward. Seeking and accepting help from counseling services also can be effective and health-restoring.

Brochures and other information are available at the MEMA/FEMA Disaster Recovery Centers, at:

Ben McNair Recreation Center, 300 North 12th Ave., Hattiesburg
Lamar Park, 226 Pinewood Drive, Hattiesburg

Pine Belt Mental Health Resources, with offices in nine Mississippi counties, operates a crisis-counseling hotline: 601-544-4641. See the PBMHR website at www.pbmhr.com

A Disaster Distress Helpline is run by the federal government under the Department of Health and Human Services. Trained crisis counselors are on hand 24 hours a day, seven days a week, at 800-985-5990. TTY is 800-846-8517. You can text the helpline as well: “TalkWithUs” to 66746.

You can reach the Mississippi Department of Mental Health for information and referrals to certified service providers online at http://www.dmh.ms.gov.

Some of the most common signs of stress include:

Difficulty communicating or sleeping.
Depression, sadness or feelings of hopelessness.
Increased use of drugs and/or alcohol.
Limited attention span and poor performance at work or school.
Headaches and stomach problems, flu-like symptoms, disorientation or confusion.
Reluctance to leave home (temporary agoraphobia).
Mood swings and frequent bouts of crying.
Overwhelming feelings of guilt and self-doubt.

Disaster-related anxiety can be especially acute among older adults, particularly those living alone and somewhat isolated from friends and family. It is not unusual for seniors to become withdrawn, agitated and disoriented in the wake of terrifying events. Family and others should be on the lookout for these and other stress-related problems and try to address them immediately.

Children also can be severely affected by a disaster. Some simple ways to help calm their anxieties include:

Keeping routines as consistent as possible and answer questions openly and honestly at a level a child can understand.
Allowing your kids to talk about the disaster. Listen to their concerns and questions. Let them know it is OK to feel angry or sad.
Reassuring them that they are loved and will be cared for.
Providing a peaceful household to the extent possible under the circumstances.
Limiting their exposure to frank adult discussions and lurid news reports about the disaster.

For more information, visit www.ready.gov/coping-with-disaster or http://www.bt.cdc.gov/mentalhealth.

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Reach Out For Help When Disaster-Related Stress Strikes

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