Chapter 7 Appendix
DURING THE FLOOD
AFTER THE FLOOD
* All references relate to a standard flood insurance policy purchased through the National Flood Insurance Program (NFIP). If you have any questions about the NFIP, contact your insurance agent or call the NFIP toll-free number 1-800-427-4661.
"An ounce of prevention is worth a pound of cure."
The proverb’s age-old meaning is clear. It’s less expensive to protect your home and property before they are damaged than to repair them afterwards. Why spend time, energy, and money replacing your damaged items only to have them damaged in a future flood? If you are repairing your home or replacing its contents, take that extra step now to protect your home, property, and family for the future.
Every homeowner and renter can determine what preventive measures can be taken to reduce or minimize damage to their property. Taking action to reduce the risk of future damage is called hazard mitigation. Mitigating your risk to future flooding is an important step in recovering from the losses you faced this time.
This specially-developed Flood Recovery Plan will help you evaluate your home and property. Whether you own or rent, whether your home was damaged or not, it will be an invaluable tool in helping you during the weeks and months ahead.
Your personalized plan will assist you in talking with contractors, lenders, insurers, or government representatives about your individual needs.
Flood recovery specialists from the Oklahoma Water Resources Board, the Federal Emergency Management Agency (FEMA), or local floodplain administrators are available now and in the future to provide basic guidance on your flood risks, flood damage reduction techniques, and flood insurance. Right now, one of the flood recovery specialists can assist you in getting started by helping you complete your Flood Recovery Plan.
It’s important to remember that this plan is intended only as a guide. You are encouraged to work with your local building permit officials to ensure that your plans meet all local building code requirements.
Those of you who have suffered flood losses are encouraged to seek out licensed contractors, architects, and engineers to ensure compliance with the law.
Protect your home, property and family now. Before the next flood.
The Hazard Mitigation Grant Program (HMGP) was created in November 1988 by Section 404 of the Robert T. Stafford Disaster Relief and Emergency Assistance Act. The HMGP assists States and local communities in implementing long-term mitigation measures following a Presidential disaster declaration. The objectives of the HMGP are:
To meet these objectives, FEMA can fund up to 75 percent of the eligible costs
of each project. The State or local cost-share match does not need to be cash;
in kind services or materials may also be used.
Eligibility for funding under the HMGP is limited to State and local governments, certain private non-profit organizations or institutions that serve a public function, Indian tribes or authorized tribal organizations, and Alaska Native villages or organizations.
In order to apply for HMGP project funding, applicants must work through their State, since the State is responsible for setting priorities for funding and administering the program.
FEMAs Flood Mitigation Assistance (FMA) provides funding to assist States and communities in implementing measures to reduce or eliminate the long-term risk of flood damage to buildings, manufactured homes, and other structures insurable under the National Flood Insurance Program (NFIP). FMA was created as part of the National Flood Insurance Reform Act of 1994 (42 U.S.C. 4101) with the goal of reducing or eliminating claims under the NFIP. FMA is a pre-disaster grant program.
Getting Started Planning is the foundation of FMA. FEMA encourages communities to identify ways to reduce their risk of flood damage by preparing Flood Mitigation Plans. Communities that have Flood Mitigation Plans can request approval of their plans from their FMA State Point of Contact (POC) and FEMA. Approved plans make a community eligible to apply for FMA project grants.
Plans must assess flood risk and identify actions to reduce that risk. Two types of grants to communities include Planning Grants—grants to states and communities to develop or update Flood Mitigation Plans—and Project Grants—grants to states and communities to implement measures to reduce flood losses. Projects that reduce the risk of flood damage to structures insurable under the National Flood Insurance Program (NFIP) are eligible.
Such activities include the following:
Any State agency, participating NFIP community or qualified local organization is eligible to participate in FMA. However, communities that are suspended or on probation from the NFIP are not eligible. Individuals wishing to participate in FMA should contact their community officials.
A project must at a minimum be cost effective, cost beneficial to the National Flood Insurance Fund, technically feasible, physically located in a participating NFIP community, or must reduce future flood damages in an NFIP community.
A project must also conform with the minimum standards of the NFIP Floodplain Management regulations, the applicant's Flood Mitigation Plan, all applicable laws and regulations, such as Federal and State environmental standards or local building codes.
FEMA distributes FMA funds to States, which in turn provide funds to communities. The state serves as the grantee and program administrator for the FMA. The State sets mitigation priorities, provides technical assistance to communities applying for FMA funds, evaluates grant applications based on minimum eligibility criteria and state priorities, awards planning grants, works with FEMA to approve projects and awards funds to communities, ensures that all community applicants are aware of their grant management responsibilities.
FEMA may contribute up to 75 percent of the total eligible costs. At least 25 percent of the total eligible costs must be provided by a nonfederal source. Of this 25 percent, no more than half can be provided as in-kind contributions from third parties. There are limits on the frequency of grants and the amount of funding that can be allocated to a state or community in any five-year period.
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Page last updated: December 20, 2017