| Presidential
Disaster Declarations and the NFIP
104. When a major flooding event occurs resulting in a Presidential
disaster declaration, how does this affect the NFIP?
Although a Presidential disaster declaration is not required for an
NFIP policyholder to file a claim, it may provide additional options
to the policyholder to mitigate or prevent future damages. The policyholder
may gain valuable information from his or her local officials about
mitigation opportunities which may become available as a result of the
Presidential disaster declaration.
105. What are examples of mitigation opportunities that may become
available following a Presidential disaster declaration?
When major flooding disasters have affected a region, it is common for
communities and individuals to consider relocation, acquisition or elevation
of flood-damaged structures. Property owners who sustained extensive
damages are often very interested in avoiding the recurrence of such
an experience. The feasibility of such mitigation projects must be established
on a case-by-case basis. It is important for a flood insurance policyholder
to be aware to these possibilities and contact local officials to learn
as much as possible.
106. Are there any specific programs available associated with a
Presidential disaster declaration to assist with mitigation?
Yes, the Hazard Mitigation Grant Program, authorized under Section 404
of the Robert T. Stafford Disaster Relief and Emergency Assistance Act
is FEMA's primary hazard mitigation program designed to assist States
and communities in implementing long-term hazard mitigation measures
following a major disaster declaration. States manage this program and
may set State-specific project criteria. Individuals with questions
should contact their local officials for more information. Through the
Small Business Administration, loans may be available to qualifying
applicants to assist with the costs of mitigation. Due to the need to
coordinate many activities following Presidential declarations, it is
important for individual citizens to raise their questions and concerns
about these post-disaster mitigation opportunities with their local
community officials. |
