During Flood Safety Awareness Week, FEMA, NOAA and Partners Encourage U.S. Residents to Prepare for Springtime Flooding

With many communities throughout the nation facing threats of spring flooding, the Federal Emergency Management Agency [FEMA] and the National Oceanic and Atmospheric Administration [NOAA] are once again joining forces to commemorate Flood Safety Awareness Week, March 14-18.

FEMA and NOAA's National Weather Service are providing tips and information to help individuals and families prepare for flooding dangers during the week and throughout the spring season. The resources can be accessed at the Flood Safety Awareness Week landing page, located at www.ready.gov/floodawareness.

"As the nation's most common and expensive natural disaster, floods can strike virtually every community," said FEMA Administrator Craig Fugate [pictured]. "We're encouraging individuals and families to take a few simple steps to protect themselves and their property.

"These include learning about their risk of flooding, having an emergency preparedness kit, storing important documents in a safe place, and considering the purchase of flood insurance. Most homeowners insurance policies don't cover flooding, and most policies take 30 days to go into effect. So, it's important to act now."

Floods do more than damage property. They can also threaten lives if safety precautions are not followed.

"Floods occur somewhere in the United States or its territories nearly every day of the year -- killing nearly 100 people on average annually, and causing damage in the billions of dollars," said Jack Hayes, Ph.D., director of the National Weather Service. "Awareness, preparedness and action are the key ingredients to protecting lives and property when floods threaten.

"One essential safety tip is to never cross a road that is covered by water. Remember: 'Turn Around, Don't Drown.'"

According to the National Weather Service, more deaths occur due to flooding each year than from any other severe weather related hazard. The main reason: people underestimate the force and power of water. All areas of the country can be at risk for flooding, and when such conditions are forecast, important information and life-saving alerts are available at http://www.weather.gov/.

More than half of all flood-related deaths result from vehicles being swept downstream. Remember: flash flooding can take only a few minutes to a few hours to develop.

Be prepared to take detours and adjust your route due to road closures if there is standing water. As little as six inches of water may cause you to lose control of your vehicle. Flood water may be much deeper than it appears as the roadbed may be washed out. Be especially cautious at night when it is harder to recognize flood dangers.

In most cases, standard homeowner's insurance policies don't cover flood damages. FEMA's National Flood Insurance Program makes flood insurance available to renters, homeowners and business owners through thousands of insurance agents located in nearly 21,000 communities around the nation. Flood coverage can be purchased for properties both in, and outside of, the highest-risk areas -- but should be considered regardless of where you live, since 20 percent of all flood insurance claims come from moderate-to-low-risk areas.

The average cost of a policy is $570 a year, and Preferred Risk Policies outside of Special Flood Hazard Areas can be as low as $129 a year. Individuals can learn more about seasonal flood risks and what to do to prepare by visiting FEMA's FloodSmart.gov website; or, by calling 1-800-427-2419.

Click here for information about residential flood insurance.

Click here for information aabout commercial flood coverage.

About FEMA
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. Visit http://www.fema.gov/.

About NOAA
NOAA's mission is to understand and predict changes in the Earth's environment -- from the depths of the ocean to the surface of the sun -- and to conserve and manage our coastal and marine resources. Visit http://www.noaa.gov/.

SOURCES: Federal Emergency Management Agency, National Oceanic and Atmospheric Administration, National Weather Service
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SBA Partners with Agility Recovery Solutions to Provide Disaster Preparedness Tools for Business

With the June 1 start of another Atlantic hurricane season, the U.S. Small Business Administration and Agility Recovery Solutions are launching a new website to help small businesses develop an emergency preparedness plan before disaster hits, and reminding homeowners and renters to plan ahead as well.

"Regardless of where you live, it’s a good idea to be ready for any kind of crisis," said SBA Administrator Karen Mills. "Every threat -- from windstorms, floods, wildfires and earthquakes, to power outages and computer system failures -- reminds us to be proactive when it comes to building strategies to survive a disaster and recover quickly. Recent disaster events demonstrate the need for preparedness to reduce the risk to life and property."

Weather experts are predicting this year’s storm season may be the most intense since 2005, when Hurricanes Katrina, Rita and Wilma devastated the Gulf Coast states.

In an effort to encourage businesses to plan ahead, the SBA has teamed with Agility Recovery Solutions, a firm that has provided business continuity and disaster recovery tools to small companies for 21 years.

Today, the SBA and Agility launched the Prepare My Business website [http://www.preparemybusiness.org/]. Prepare My Business provides tips on how small-business owners can develop their own disaster preparedness plans, and features interactive tools -- such as monthly webinars on business continuity planning.

"It is critical that small businesses have a written disaster preparedness plan in place, so that they are ready to deal with the challenges that often come without notice, and get their businesses back up and running," said Administrator Mills.

Disaster preparedness for homes and businesses should include:

* A written emergency response plan. Find evacuation routes from your home or business, and establish meeting places. Make sure everyone understands the plan beforehand. Keep emergency phone numbers handy. Business owners should designate a contact person to communicate with other employees, customers and vendors. Ask an out-of-state friend or family member to be your "post-disaster" point of contact; i.e., a person to call to provide information on your safety and whereabouts.

* Adequate insurance. Disaster preparedness begins with having adequate insurance coverage -- at least enough to rebuild your home or business. Homeowners and business owners should review their policies to see what is not covered. Businesses should consider "business interruption insurance," which helps cover operating costs during the post-disaster shutdown period. Flood insurance is essential. To find out more about the National Flood Insurance Program, visit the website at http://www.floodsmart.gov/.

* Making copies of important records. It’s a good idea to back up vital records and information saved on computer hard drives, and store those items at a distant offsite location. Computer data should be backed up routinely. Copies of important documents should be kept in fireproof safe deposit boxes.

* A "disaster survival kit." The kit should include a flashlight, a portable radio, extra batteries, a first aid kit, non-perishable packaged and canned food, bottled water, a basic toolkit, plastic bags, cash, and a disposable camera to take pictures of the property damage.

In addition to the Prepare My Business site, more preparedness tips for businesses, homeowners and renters are available on the SBA’s website at www.sba.gov/disasterassistance.

To learn more about developing an emergency plan, visit the Federal Emergency Management Agency’s websites -- Ready.gov, at http://www.ready.gov/, and Ready Business, at http://www.ready.gov/business/index.html -- or, call 1-800-BE-READY to request free materials.

The SBA makes low-interest loans to homeowners, renters and non-farm businesses of all sizes. Homeowners may borrow up to $200,000 to repair or replace damaged real estate. Individuals may borrow up to $40,000 to cover losses to personal property.

Non-farm businesses and non-profit organizations of any size may apply for up to $2 million to repair or replace disaster-damaged business assets and real property. Small businesses and non-profits that suffered economic losses as a direct result of the declared disaster may apply for a working-capital loan up to $2 million, even if the property was not physically damaged. To learn more about the SBA’s disaster assistance program, visit the website at www.sba.gov/disasterassistance.

SOURCE: U.S. Small Business Administration
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SBA Administrator Mills Encourages Americans to Plan for Disasters During National Preparedness Month

Citing current wildfires in Southern California and several storms impacting coastal regions, the U.S. Small Business Administration [SBA] is encouraging Americans to be prepared. In a message posted today on YouTube, SBA Administrator Karen G. Mills [pictured] reminds the public about National Preparedness Month and the devastating effects of disaster, encouraging everyone to develop and implement disaster preparedness plans.

"There’s a tendency to think that a large-scale disaster is not going to happen 'where I live,'" Mills. "We should all realize that storms, floods, earthquakes, fires and man-made disasters can strike at any time and anywhere. Taking responsibility for your own post-disaster recovery is a good step toward protecting your family, your business and your community."

The U.S. Small Business Administration is one of many federal, state and local government and private-sector coalition partners participating in this September’s National Preparedness Month.

The Administrator’s video can be found at www.youtube.com/sba.

To prepare for disasters, SBA offers the following tips:

Develop a solid emergency response plan. Find evacuation routes from the home or business, and establish meeting places. Make sure everyone understands the plan beforehand. Keep emergency phone numbers handy. Business owners should designate a contact person to communicate with other employees, customers and vendors. Homeowners, renters and business owners should ask an out-of-state friend, colleague or family member to be a "post-disaster" point of contact, supporting the flow of information about short-term relocations, recovery, additional sources of assistance, etc.

Make sure you have adequate insurance coverage. Disaster preparedness begins with having adequate insurance coverage -- at least enough to rebuild your home or business. Homeowners and business owners should review their policies to see what is or isn’t covered. Companies should consider business interruption insurance, which helps cover operating costs during the post-disaster shutdown period. Flood insurance is essential. To find out more about the National Flood Insurance Program, visit the website at www.floodsmart.gov/.

Copy important records. It’s a good idea to back up vital records and information saved on computer hard drives, and store that information at a distant offsite location in fireproof safe deposit boxes. You should have copies/backups of important documents ready to take with you if you have to evacuate.

Create a "Disaster Survival Kit." The kit should include a flashlight, a portable radio, extra batteries, first-aid supplies, non-perishable food, bottled water, a basic tool kit, plastic sheeting and garbage bags, cash, and a digital camera to take pictures of the property damage after the storm.

More preparedness tips for businesses, homeowners and renters are available on the SBA’s website at www.sba.gov/disasterassistance.

The Institute for Business and Home Safety [www.disastersafety.org/] also has information on protecting your home or business. To learn more about developing an emergency plan, visit the U.S. Department of Homeland Security's Ready Campaign website at www.ready.gov/; or, call 1-800-BE-READY to receive free materials.

Following a disaster, the SBA makes low-interest loans to homeowners, renters and non-farm businesses of all sizes. Homeowners may borrow up to $200,000 to repair or replace damaged real estate. Individuals may borrow up to $40,000 to cover losses to personal property.

Non-farm businesses and nonprofit organizations of any size may apply for up to $2 million to repair or replace disaster-damaged business assets and real property. Small businesses that suffered economic losses as a direct result of the declared disaster may apply for a working capital loan up to $2 million, even if the property was not physically damaged.

To learn more about the SBA’s disaster assistance program, visit the website at www.sba.gov/disasterassistance.

SOURCE: U.S. Small Business Administration
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