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Flood Insurance is an Essential Ingredient for Protecting Your Family

MONTGOMERY, Ala. – In 2013, the National Weather Service issued 332 flash flood and flood watches/warnings for the state. The state also reported one tropical storm in the Gulf Coast. More severe weather came this spring with tornadoes and more than two feet of rain.

Between the Gulf Coast’s tropical storms and the numerous rivers and streams, the potential for flooding in Alabama is ever present, according to the National Weather Service Office in Birmingham.

“Flooding due to heavy rains is a serious threat to all residents of our state,” said Alabama Emergency Management Director Art Faulkner. “Many of the homes and businesses flooded in the recent historic rain events were not in a flood zone. For the best protection, a flood policy available through the National Flood Insurance Program is a wise investment. Flood insurance will not keep rising water out of your home or business, but it will protect the investment you have in them.”

Flood insurance is important regardless of your flood zone. In fact, people outside high-risk areas file more than 25 percent of flood claims nationwide. And according to the flood insurance program, from 2003 to 2012, the agency averaged $4 billion in claims per year nationwide.

In Alabama, only 57,000 of the estimated 1.8 million households have flood insurance. Yet, the state is highly susceptible to the ravages of flooding, according to FEMA’s Federal Coordinating Officer in charge of Alabama’s disaster recovery Joe M. Girot.

“Here are two important points people need to understand,” he said. “First, homeowner insurance policies do not cover flooding. Second, flood insurance policyholders can file a claim even if a storm doesn’t trigger a federal disaster declaration.

“Flood insurance is available to homeowners, business owners and renters in communities that participate in the National Flood Insurance Program and enforce their local flood damage prevention ordinances,” Girot said.

Homeowners in a floodplain (or Special Flood Hazard Area) must buy flood insurance if they have a mortgage from a federally regulated lender. An interactive guide to determine your flood risk is available online at FloodSmart.gov. The site also provides information on the NFIP.

Flood insurance, with an average premium running about $600 per year, can save homeowners thousands of dollars in repairs. Just three inches of floodwater in a home will require replacing drywall, baseboards, carpets, furniture and other necessary repairs that can cost an estimated $7,800, according to the National Flood Insurance Program.

The deeper the floodwater, the more it will cost – 18 inches of water means repairs to the electrical system and the heating and cooling system. It also means replacement of doors, appliances and cabinetry, adding another $26,000 to the bill.

Homeowners can insure their homes for up to $250,000 and contents for up to $100,000. Renters can cover their belongings for up to $100,000. Nonresidential property owners can insure a building and its contents for up to $500,000 each.

There is normally a 30-day waiting period when purchasing a new policy. Flood insurance is sold through private companies and agents and is backed by the federal government.

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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 childcare, medical, dental expenses and/or funeral expenses do not require individuals to apply for an SBA loan. However, those who receive SBA loan applications must submit them to SBA to be eligible for assistance that covers personal property, transportation, vehicle repair or replacement, and moving and storage expenses.

For more information on Alabama’s disaster recovery, visit www.fema.gov or http://www.ema.alabama.gov/. For the joint Facebook page, go to www.facebook.com/AlabamaEMA. To receive Twitter updates: http://twitter.com/AlabamaEMA or www.twitter.com/femaregion4

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Flood Insurance is an Essential Ingredient for Protecting Your Family

CERT: Prepared for the Worst When Disaster Strikes

MONTGOMERY, Ala. – Community Emergency Response Teams prepare for the worst, then when disaster strikes, they help themselves, their families, their neighborhoods and their communities.

Begun in Los Angeles in 1985, the CERT program consists of specially trained volunteers who are called into action during and immediately following major disasters before first responders can reach the affected areas. They work closely with fire and emergency management departments in their communities.

More than 2,200 CERT programs are available in the United States. In Alabama, 10 counties offer CERT training and maintain teams. During a disaster, Alabama CERT members may self-deploy in their neighborhoods, be mobilized by a sheriff’s office or report to a pre-determined location.

“CERT groups provide immediate assistance to people in their areas and lead spontaneous volunteers before we can get to the area and inform emergency management of what the needs are,” said Art Faulkner, director of Alabama Emergency Management.

Billy Green, Deputy Director of Emergency Management for Tuscaloosa County, had just finished a training class for Hispanic CERT volunteers the week before the tornado outbreak of April 2011 in Alabama.

“We finished on the Saturday before the tornadoes hit,” he said. “These Spanish speakers took exactly what they learned and put it out in the field. The City of Holt has a high Hispanic population, and this team was able to go out there and do search and rescues.”

Holy Spirit Catholic Church set up its own shelter for the Hispanic population, he added. “Those guys were in that shelter helping and making sure everyone was all right.”

This April’s severe weather and flooding caught many Mobile County residents by surprise, said Mike Evans, Deputy Director of Mobile County Emergency Management Agency.

“Mobile gets the most rainfall of anywhere in the continental United States with 67 inches per year,” he said. “This wasn’t like during hurricane season; getting a lot of rain and thunderstorms is pretty common. But areas that normally flood didn’t, it was urban areas.”

Since the ground was already saturated, the rain had nowhere to go so roads that were low flooded, he said.

“People tried to drive through and we had to get them out,” Evans said.

CERTs distributed commodities and one team knocked on doors asking who was going to leave the area and who was going to stay, he said. After the storm, his teams notified people who left the area of the status of their property.

CERTs can also work with crowd and traffic control, work at water stations at large events, help community members prepare for emergencies, and assist with fire suppression and medical operations as well as search and rescue operations.

Initially, CERT members take training classes that cover components of disaster activities, including disaster preparedness, fire suppression, medical operations, search and rescue and disaster psychology and team organization. Additional training occurs twice a year with mock disasters. Refresher courses are also held. The Federal Emergency Management Agency supports CERT by conducting or sponsoring train-the-trainer and program manager courses for members of the fire, medical and emergency management community, who then train individual CERTs.

CERTs are organized in the Alabama counties of Dale, DeKalb, Shelby, Morgan, Tallapoosa, Jefferson, Colbert, Calhoun, Russell and Coffee.

To join an existing CERT program in your community, go online to www.fema.gov/community-emergency-response-teams. Click on the “find nearby CERT programs” link and enter your zip code. If there is a team near you, you will see the name and phone number of a contact person as well as pertinent information about the local program.

That site can also provide information on how to build and train your own community CERT, the curriculum for training members as well as how to register the program with FEMA.

Aside from providing a vital community service, CERT members receive professionally recognized training and continue to increase their skills.

“CERTs complement and enhance first-response capabilities by ensuring safety of themselves and their families, working outward to the neighborhood and beyond until first responders arrive,” said FEMA’s Federal Coordinating Officer Albie Lewis. “They are one of the many volunteer organizations that we rely on during a disaster.”

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CERT: Prepared for the Worst When Disaster Strikes

Two Months After Alabama Storms, Disaster Recovery Efforts Continue

Two Months After Alabama Storms, Disaster Recovery Efforts Continue

MONTGOMERY, Ala. – As America celebrates the anniversary of its birth, many Alabama residents are still picking up the pieces of their lives, homes and businesses from spring storms.

This year’s holiday marks the two-month anniversary of the devastating severe storms, tornadoes, straight-line winds and flooding that raked the state from April 28 through May 5.

Disaster recovery efforts continue as the focus changes from cleanup to rebuilding. State and federal disaster assistance now exceeds $32 million for households, individuals and businesses of the nine counties affected. Of that total, nearly $13 million have gone to survivors in the form of U.S. Small Business Administration loans and another $19 million in other FEMA grants.

Counties eligible for disaster assistance include: Baldwin, Blount, DeKalb, Etowah, Jefferson, Lee, Limestone, Mobile and Tuscaloosa.

With the application deadline now extended through Tuesday, July 15, state and federal officials expect to see the number of applications for assistance continue to increase.

At peak operations, in mid-May, more than 415 state and federal employees from across the country were working to meet the needs of disaster survivors who have registered for FEMA assistance. As of July 2, more than 18,000 residents have applied.

FEMA Disaster Survivor Assistance teams visited more than 8,000 Alabama homes to provide information on registering for federal aid, guide people in the registration process and follow-up on pre- or post-disaster needs.

To date, nearly 15,000 homes impacted by the disaster have been inspected for damages with a two day turnaround from the time of application to inspection.

The Federal Emergency Management Agency is only one part of a large team that continues to bring resources to assist communities. This team includes coordinated efforts between federal, state, local, nonprofit, private sector and faith-based organizations.

Some partners opened shelters and provided food while others offered low-interest disaster assistance loans for rebuilding.

Serve Alabama, a state agency set up by Gov. Robert Bentley that works to increase volunteerism in the state, has coordinated the work of volunteer agencies after this disaster. As of mid-May the agency recorded that 3,048 volunteers from numerous organizations throughout the country had donated nearly 22,000 hours to help survivors clean up debris, repair and rebuild their homes following the spring storms.

“It takes many agencies, government and private, as well as many individuals to help a community and its residents recover,” said Federal Coordinating Officer Albie Lewis. “And Alabama will recover and become safer and stronger for the long run.”

With debris removal nearing completion, FEMA has turned its attention to advising home and business owners of methods to repair and rebuild that can help reduce damages during future storms.

FEMA’s mitigation outreach at Lowe’s and Home Depot home improvement stores throughout the month of June helped to answer questions and give advice to 1,500 shoppers. One of the most frequently asked questions was how to prevent future damage.

FEMA’s Public Assistance Program is in the process of reviewing grant applications for publicly owned facilities and storm-damaged infrastructure in the 21 counties. More than 105 Kick Off meetings with cities, communities and state applicants have been held to assess the needs, discuss disaster related damage and develop a plan of action for the facilities.

Grant money is flowing to state, county and local governments through PA reimbursement programs. Obligated funding includes nearly $500,000 for debris removal and nearly $342,000 to cover expenses related to storm response. Another nearly $285,000 has been obligated for reimbursement of infrastructure repair work.

An estimated $30 million in repairs and rebuilding infrastructure is anticipated for Alabama.

These grants provide at least 75 percent of the eligible costs for emergency measures and permanent restoration. The state and local government evenly split the remaining 25 percent.

“We are proud to partner with FEMA and pleased by its rapid response and assistance following this disaster,” said Alabama’s State Coordinating Officer, Jeff Byard. “Much work remains, but thanks to all of our partners, we have come a long way.”

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Two Months After Alabama Storms, Disaster Recovery Efforts Continue

Alabamians Can Go To Home Depot, Lowes For FEMA Advice On Rebuilding Stronger

MONTGOMERY, Ala. – As recovery continues from the April 28 to May 5 severe storms, tornadoes, straight-line winds and flooding that hit Alabama, federal officials are offering help on how to rebuild “stronger and safer” for the next disaster.

Specialists with the Federal Emergency Management Agency will be at Home Depot and Lowe’s home improvement stores around Alabama to offer residents information about rebuilding their flood- and wind-damaged homes to make them better able to withstand future disasters.

“When you’re picking up after a disaster, preparing for the next one is sometimes the last thing on your mind,” said FEMA’s Federal Coordinating Officer, Albie Lewis. “But our mitigation specialists can show you easy ways to make your home or business ‘better and safer’ the next time tornadoes, flooding or high winds hit.”

Mitigation advisors can provide valuable information on how to reinforce structures against flooding and other hazards, how to construct a safe room, and information on the National Flood Insurance Program.

They can also offer advice on mold and mildew cleanup, rebuilding structures to resist high winds, and how electrical systems, furnaces and other appliances can be protected from flooding. Free publications on a variety of rebuilding and recovery topics will also be available.

“Here in Alabama, we know that making our homes, businesses, and communities more resilient just makes sense,” said Alabama’s State Coordinating Officer, Jeff Byard. “If there are cost-effective ways to make you, your family and your property safer the next time a disaster strikes, why wouldn’t you do it?”

Mitigation teams will be at the following stores on the following dates from 7 a.m. to 7 p.m.:

June 20-21, June 23-25

Jefferson County

Home Depot

6405 Flintridge Drive

Fairfield, AL 35064

Lowe’s

1201 19th Street North

Bessemer, AL 35020

Mobile County

Home Depot

755 Schillinger Road South

Mobile, AL 36695

June 27-28, June 30

Lee County

Home Depot

2190 Tiger Town Parkway

Opelika, AL 36801

Baldwin County

Home Depot

2899 S McKenzie Street

Foley, AL 36535

In addition to the mitigation advisors, an Individual Assistance representative will also be on hand to provide general information about assistance to survivors. For specific case information, survivors can contact FEMA at 1-800-621-FEMA (3362).

To download materials on a variety of topics about strengthening property against tornadoes, flooding or other hazards, visit:

http://www.fema.gov/small-business-toolkit/protect-your-property-or-business-disaster or

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Alabamians Can Go To Home Depot, Lowes For FEMA Advice On Rebuilding Stronger

FEMA Assistance Based on Individual Loss, Needs

MONTGOMERY, Ala. – Alabama residents eligible for Individual Assistance from the Federal Emergency Management Agency need to know that the help they may receive will be based on their own unique circumstances and needs.

“While not everyone may qualify, our ultimate goal is for anyone who suffered damages from the tornadoes, storms, straight-line winds and flooding to receive the maximum assistance he or she qualifies for,” said Albie Lewis, federal coordinating officer for FEMA’s disaster operations in Alabama.

Disaster assistance to individuals is based on a number of factors, and FEMA and Alabama Emergency Management Agency specialists are trained to seek out and coordinate the eligible assistance from a number of sources. Assistance might include direct financial grants, low-interest loans, charitable contributions from voluntary agencies and/or other resources that will help residents who are recovering from the disaster.

The unique needs of everyone who registers are evaluated on a case-by-case basis to determine the types of assistance that are best suited to that individual registrant. The process, and final assistance determination, is set by federal regulation and is strictly confidential. Realistically, not everyone who registers will qualify for assistance.

Assistance could include grants to help pay for temporary housing needs, essential home repairs and other disaster-related expenses. Low-interest loans from the U.S. Small Business Administration also may be available to cover uncompensated residential and business losses.

The first step in the process is registering with FEMA. This is true, whether the loss is large or small and whether or not an individual anticipates being eligible for federal assistance.

There are three ways to register – go to www.disasterassistance.gov, to m.fema.gov or call FEMA toll-free, 800-621-3362 (FEMA). Those with access or functional needs and who use a TTY may call 800-462-7585 or use 711 or Video Relay Service to call 800-621-3362. Telephone lines are open from 7 a.m. to 10 p.m. CT; multilingual operators are available.

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FEMA Assistance Based on Individual Loss, Needs

Hundreds of Volunteers Return to Repair and Rebuild Homes

ANCHORAGE, Alaska – The first teams of skilled volunteers arrived in Alaska earlier this week to continue rebuilding efforts in four Interior communities affected by the 2013 floods. The State of Alaska has been working closely with the Federal Emergency Management Agency to ensure a speedy recovery on all fronts, which includes bringing volunteers to the state.

“We anticipate more than 500 men and women will spend their two-week vacations installing windows, doors, roofs, plumbing and other essential components,” said Federal Coordinating Officer Willie G. Nunn. “The collective focus is to get displaced families home, make damaged residences safe and secure for occupancy, and complete our mission by September.”

According to State Coordinating Officer Bryan Fisher, this is the first housing disaster in 20 years that required two building seasons in Alaska due to the severity.

“The safety of survivors has always been our priority whenever responding to a disaster,” Fisher said. “In 2013, the volunteer groups helped us immensely by ensuring the majority of those affected were able to return home before winter.”

Following the disaster and during the gap in construction seasons, the state provided temporary housing in Anchorage, Fairbanks and Galena for those unable to return home.

Nunn stated that 116 homes were repaired or rebuilt by survivors and skilled volunteers in 2013. The work last summer was conducted in six rural Alaskan communities including Alakanuk, Circle, Emmonak, Fort Yukon, Galena and Hughes. This summer, 48 homes will be repaired or rebuilt in Alakanuk, Circle, Emmonak and Galena. The primary agencies involved with rebuilding these communities this summer are the Disciples of Christ, Lutheran Ministries, Mennonite Disaster Service, Samaritan’s Purse and United Methodist Volunteers in Mission.

While many volunteers are paying their own way, the state and FEMA have partnered to help with in-state travel costs, as well as meals and accommodations while staying in affected communities. Faith-based organizations in Fairbanks and Anchorage are providing lodging, meals and local transportation for the teams before they travel to their designated communities.

Follow the Division of Homeland Security and Emergency Management on Twitter @AlaskaDHSEM and on Facebook. You can also follow the Federal Emergency Management Agency on Twitter @femaregion10.

FEMA recovery photos and videos can be found online by visiting www.fema.gov/disaster/4122, selecting “Blog, Newsroom, Videos and Photos,” and clicking on either “Photos” or “Videos” under the Multimedia Library section.

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Hundreds of Volunteers Return to Repair and Rebuild Homes

Disaster Survivors Advised to Register with FEMA even if Insured

MONTGOMERY, Ala. – Alabama storm survivors should register for disaster assistance even if they may believe insurance will cover their losses from the recent storms.

“Insurance is an important part of the recovery process,” said Federal Coordinating Officer for Alabama storm recovery, Albie Lewis. “But, insurance may not meet all your needs, so registration with The Federal Emergency Management Agency and staying in touch with FEMA is very important.”

After an insurance claim has been paid, there could be uninsured losses that could be eligible under disaster assistance programs or SBA loans.

“It is important to know what your policy covers,” said Art Faulkner, Director of the Alabama Emergency Management Agency. “For example, if insurance does not include the expense of being displaced from your home, FEMA disaster housing assistance may help,” Faulkner said.

The Federal Emergency Management Agency and the U.S. Small Business Administration offer assistance programs for homeowners, renters, and business owners in nine Alabama counties designated for Individual Assistance.

Residents of Baldwin, Blount, DeKalb, Etowah, Jefferson, Lee, Limestone, Mobile or Tuscaloosa counties who suffered storm damage during the period April 28 through May 5 should apply for assistance by registering online at DisasterAssistance.gov, via smartphone at m.fema.gov or by phone at 800-621-3362, TTY 800-462-7585. Multilingual operators are available. The deadline to register for FEMA assistance is July 1, 2014.

The SBA offers low-interest disaster loans to homeowners, renters, businesses of all sizes and private nonprofit organizations for uncompensated losses. The SBA may lend up to $200,000 to repair or replace homes and up to $40,000 to repair or replace personal property.

Loans are available up to $2 million to repair or replace disaster damaged real estate, and other business assets. Eligible small businesses and nonprofits can apply for Economic Injury Disaster Loans to help meet working capital needs caused by the disaster.

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Disaster Survivors Advised to Register with FEMA even if Insured

FEMA Disaster Survivor Assistance Teams Blanket Alabama to Meet Survivors’ Needs

PHOTO: Disaster Survivor Assistance Team member, Patricia Wiedmer

MONTGOMERY, Ala – Within two weeks in early May, Federal Emergency Management Agency’s Disaster Survivor Assistance Teams knocked on 3,000 doors in Alabama’s hardest hit areas to assess survivor needs after the April 28 to May 5 severe storms, tornadoes, straight-line winds and flooding.

In one instance, they were told about a woman with special needs who was unable to register with FEMA. The team visited her residence and registered her on the spot using their government-issued tablet computer.

These teams, totaling 67 FEMA specialists, are tasked with helping survivors by being the eyes and ears on the ground. They assess, inform and report issues to the proper authorities; assist survivors in their own homes or neighborhoods to apply for FEMA grants; guide survivors in the registration process, follow-up on pre- or post-survivor needs; and coordinate with local, tribal and state governments and other partners.

“They have the ability to help people on the spot,” said Albie Lewis, FEMA Federal Coordinating Officer for Alabama. “They serve as a walking Disaster Recovery Center going door-to-door and people have been very receptive to the service.”

FEMA DSA teams are made up of disaster specialists as well as FEMA Corp members, 18- to 24-year olds who for 10 months volunteer their time to FEMA and the emergency management field.

The teams currently are canvassing eight counties that sustained some of the worst damage. They visit homes, businesses, organizations and high-traffic areas providing survivor support and coordinating with officials. The counties include Baldwin, Blunt, DeKalb, Etowah Jefferson, Limestone, Mobile and Tuscaloosa.

DSA specialists, who travel in pairs, are easy to spot – they wear FEMA badges as well as navy blue shirts, jackets and/or hats that say FEMA.

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FEMA Disaster Survivor Assistance Teams Blanket Alabama to Meet Survivors’ Needs

FEMA Employs First Local Hire, Seeks More

PHOTO: Tanina Jones (FEMA local hire)

MONTGOMERY, Ala. – The Federal Emergency Management Agency today swore in its first local hire to assist with the recovery from the April 28 to May 5 severe storms, tornadoes, straight-line winds and flooding. Tanina Jones is working for FEMA Human Resources as an administrative assistant.

Jones, who started work on Wednesday, May 28, said she hasn’t worked since she came to Montgomery to attend Troy University, where she will graduate in December with a degree in Criminal Justice.

“This has been a godsend to me,” she said. “I have been out of work since 2010.”

FEMA’s Federal Coordinating Officer Albie Lewis administered the oath and said hiring local workers not only helps the area’s economy but brings in local knowledge, which is invaluable.

“These new employees bring local experience and a feeling for the community,” he said. “That’s instrumental to our work here.”

FEMA has more than two dozen full-time temporary jobs available to Alabama residents, including 24 in Montgomery and seven elsewhere in the state.

Skilled workers are being hired for jobs in a variety of areas, including human resources, information technology, couriers, engineers, communications, finance and administration.

Applicants will be required to pass a background investigation that includes finger printing and credit check, as well as able to furnish his/her own transportation to work. Employees are also required to participate in mandatory direct deposit/electronic funds transfer for salary payment, must be U.S. citizens and 18 years old.

Candidates who possess needed skills and pass a background check will be formally offered positions and sworn in, and then sent to the program areas they have been assigned.

Those interested in working for FEMA may apply at www.joblink.Alabama.gov. Enter “FEMA” into the keyword search to find available positions.

FEMA is committed to employing a highly qualified workforce that reflects the diversity of our nation. All applicants will receive consideration without regard to race, color, national origin, sex, age, political affiliation, non-disqualifying physical handicap, sexual orientation and any other non-merit factor. The federal government is an equal opportunity employer.

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FEMA Employs First Local Hire, Seeks More

Website Helps Arkansans Protect Lives and Property When Severe Weather Strikes

LITTLE ROCK, Ark. – The Arkansas Department of Emergency Management (ADEM) and the Federal Emergency Management Agency (FEMA) have joined together to bring Arkansans a “one stop” spot on the Internet for information on protecting lives and property from tornadoes and floods.

The web address is www.fema.gov/ar-disaster-mitigation. There, folks will find links to topics such as safe rooms, rebuilding and repairing structures to make them more storm-resistant, different types of roofs, and dealing with mold. The site also has links to the ADEM Safe Room Rebate Program, the Arkansas Attorney General’s office, Home Builders of Arkansas and more.

“This site has information for anyone interested in building back safer and stronger, or who plans new construction and wants to incorporate safe building practices from the start,” said State Coordinating Officer David Maxwell of ADEM. “Whether it’s building a safe room or reducing the risk of high winds penetrating your home through a leaky garage door, this website has expert information for Arkansans.”

“FEMA engineers have long studied how to reduce risks from tornadoes, floods and other severe weather,” said FEMA’s Federal Coordinating Officer (FCO) Timothy J. Scranton. “They’ve found a number of steps people can take, and many of them don’t cost much. I urge Arkansans to visit this website to gain insight into protecting themselves from the next round of dangerous weather.”

The Arkansas Department of Emergency Management (ADEM) is the state’s homeland security and preparedness agency. The agency works to identify and lessen the effects of emergencies, disasters and threats to Arkansas by developing effective prevention, preparedness, mitigation, response and recovery actions for all disasters and emergencies. For additional information, contact ADEM at (501) 683-6700 or visit the website at www.adem.arkansas.gov.

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 http://twitter.com/femaregion6, the R6 Hurricane Preparedness website at www.fema.gov/about/regions/regionvi/updates.shtm and the FEMA Blog at http://blog.fema.gov.

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Website Helps Arkansans Protect Lives and Property When Severe Weather Strikes

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