What Exactly is FEMA?
People often ask, just what is FEMA? The term stands for Federal Emergency Management Association. We at Neptune Flood Insurance want to help you understand what this government agency is and how they are involved in emergencies, such as hurricanes or flooding.
The first response by Congress to known emergency legislation began in the year 1803, as the government extended the time for the remittance of payment for tariffs to merchants. This was after a devastating series of fires that affected the city of Portsmouth, New Hampshire. Considered by many as the first piece of Congressional legislation to provide disaster relief, other efforts were made after that time.
The present agency began with two presidential orders in the year 1978. Its main purpose is the coordination of response to a United States disaster after it has occurred. These disasters often overwhelm state and local resources and help from the United States government is needed.
State governments, through the order of the governor, must declare a state of emergency as well as ask the president that a federal response is given. On-the-ground disaster recovery support is a major part of FEMA’s work; the agency also provides knowledgeable experts in specialized fields as well as funding for the rebuilding efforts to state and local governments. Offering access to low-interest loans, the organization works with the Small Business Administration.
Additionally, funds are given for the training of personnel for preparedness throughout the United States.
After a Flood
FEMA was placed under the Department of Homeland Security in 2002, after the attacks on September 11, 2001.
After the devastating floods from Hurricane Katrina in 2005, it became evident that the government was not giving as much attention to natural disasters, as testified by emergency management professionals. At that point, they felt that the nation needed preparedness and was more vulnerable to such natural events as hurricanes.
Even with calls to separate the agency, today the Federal Emergency Management Agency is a very large agency and still a part of the Department of Homeland Security.
What Assistance is Provided for Floods?
FEMA grants may be provided to those who suffer severe damage to homes, vehicles or personal property from flooding. Assistance after the disaster may include grants to help pay for emergency home repairs and temporary housing as well as for uninsured and under-insured personal property losses. Disaster-related medical, dental and funeral expenses, as well as other serious disaster-related expenses, may also be eligible for assistance.
The National Flood Insurance Program
Helping to reduce the impact of flooding on public and private homes and businesses, this Federal Emergency Management Agency program offers affordable insurance. It prompts property owners, renters, and businesses by encouraging communities to adopt and enforce floodplain management regulations.
Effects of flooding are mitigated on newer structure, and the economic and social impacts of a flood are lessened through the promotion of affordable insurance for flooding damage.
At Neptune Flood, we can answer your questions regarding the insurance you may need to be fully prepared for an emergency. Because our nerds work tirelessly to provide solutions, you don’t have to. We are backed by Lloyds, one of the largest insurers in the world, and have great products to make the purchase of insurance simple and easy.
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