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(800) 827 8112

Attention: FEMA

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Hyattsville, MD 20782 7055

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www.fema.gov

13

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14

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15

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1 800 427 4661.

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21

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22

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A>B@C4=8:>< FEMA ?> @02=K< ?@020< (Equal Rights Officers   ERO), 2 >1O70==>AB8 :>B>@>3>

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@07@5H8BL 0H8 ?@>1;5<K. !2O70BLAO A ERO <>6=> ?> B5;5D>=C 1 800 621 3362

www.fema.gov

23

(FEMA) 8;8 TTY 1 800 462 7585 (4;O ;8F A =0@CH5=8O<8 A;CE0 8 @5G8).

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8=8O ?><>I8 FEMA: 1-800-621-3362 (FEMA) ", 4;O ;8F A =0@CH5=8O<8 A;CE0: 1-800-462-7585

24

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4;O >F5=:8 CI5@10, =0=5AQ==>3> 4><C AB8E89=K< 154AB285<.  =0AB>OI55 2@5<O 70O28B5;L

=5 >B25G05B B@51>20=8O< 4;O @0AA<>B@5=8O 2>?@>A0 > ?@54>AB02;5=88 A> AB>@>=K FEMA

?><>I8 2 >15A?5G5=88 68;LQ<.

www.fema.gov

25

INFI   =5 >B25G05B B@51>20=8O<   AB@0E>20=85 >B =02>4=5=89: > =0H8< A2545=8O< =0

4><, 2 :>B>@>< 70O28B5;L ?@>6820; =0 <><5=B AB8E89=>3> 154AB28O, @0A?@>AB@0=O5BAO

459AB285 AB@0E>20=8O >B =02>4=5=89.  =0AB>OI55 2@5<O 70O28B5;L =5 >B25G05B

B@51>20=8O< 4;O @0AA<>B@5=8O 2>?@>A0 > ?@54>AB02;5=88 ?><>I8 =0 2>7<5I5=85 CI5@10

4><C, =0 :>B>@K9 @0A?@>AB@0=O5BAO 459AB285 AB@0E>20=8O >B =02>4=5=89.

INI   =5 >B25G05B B@51>20=8O<   AB@0E>20=85 (A 8=A?5:F859): > =0H8< A2545=8O< =0

4><, 2 :>B>@>< 70O28B5;L ?@>6820; =0 <><5=B AB8E89=>3> 154AB28O, @0A?@>AB@0=O5BAO

459AB285 AB@0E>2>3> ?>;8A0. A5 284K CI5@10, 2KO2;5==K5 2 E>45 8=A?5:F88 FEMA,

4>;6=K ?>:@K20BLAO AB@0E>2K< ?>;8A>< 70O28B5;O. FEMA =5 <>65B ?@54>AB028BL

?><>IL, 5A;8 B0:>20O <>65B 1KBL ?>;CG5=0 87 4@C3>3> 8AB>G=8:0, 2:;NG0O AB@0E>2>9

?;0=; ?> MB>9 ?@8G8=5 2 =0AB>OI55 2@5<O 70O28B5;L =5 >B25G05B B@51>20=8O< 4;O

?@54>AB02;5=8O A> AB>@>=K FEMA A@54AB2 4;O @5<>=B0 4><0 8;8 70<5=K 53> G0AB59.

0O28B5;N A;54C5B =570<54;8B5;L=> ?>40BL 8A: > 2>7<5I5=88 CI5@10 2 A2>N AB@0E>2CN

:><?0=8N, ?>A:>;L:C FEMA <>65B >:070BL ?><>IL 2 2>7<5I5=88 CI5@10, =5

?>:@K205<>3> AB@0E>2K< ?>;8A><.

INO   0?5;;OF8O   =5 >B25G05B B@51>20=8O<   AB@0E>20=85 ?>:@K205B @0AE>4K =0

?@>6820=85: > A2545=8O<, ?@54AB02;5==K< 70O28B5;5<, 53> ?;0= AB@0E>20=8O 4><0

?@54>AB02;O5B A@54AB20 4;O 0@5=4K 2@5<5==>3> 68;LO =0 ?5@8>4 @5<>=B0 4><0. K =5

?>;CG8;8 4>:C<5=B>2, A2845B5;LAB2CNI8E > B><, GB> 70O28B5;L 8AG5@?0; 2A5 8<5NI85AO

A@54AB20 4;O 0@5=4K 2@5<5==>3> 68;LO 8;8 GB> @5H5=85 > 2K?;0B5 70O28B5;N AB@0E>2>3>

2>7<5I5=8O 7045@68205BAO 1>;55 G5< =0 30 4=59 A> 4=O ?>40G8 8A:0 2 AB@0E>2CN

:><?0=8N. 284C MB>3> 0?5;;OF8>==0O 60;>10 70O28B5;O >B:;>=O5BAO, 8 >= =5 >B25G05B

B@51>20=8O< 4;O ?>;CG5=8O >B FEMA ?>A>18O =0 0@5=4C 68;LO.

INO   =5 >B25G05B B@51>20=8O<   =5 O2;O5BAO ;530;L=K< 68B5;5< !(: ;O

@0AA<>B@5=8O FEMA 2>?@>A0 > 2K45;5=88 70O28B5;N ;N1>3> 2840 ?><>I8, =0 :>B>@K9 >=

<>65B ?@5B5=4>20BL, B@51C5BAO ?@54AB028BL ?>4?8A0==CN «5:;0@0F8N 8 @07@5H5=85» ?>

D>@<5 90 69B. > =0H8< A2545=8O< 70O28B5;L =5 C:070;, GB> >= 8;8 >48= 87 G;5=>2 53>

A5<L8 O2;O5BAO 3@0640=8=>< !(, ?>440==K< !( 157 ?@020 3@0640=AB20 8;8

8=>AB@0=F5<, 8<5NI8< ?@02> =0 ?>;CG5=85 3>AC40@AB25==>9 ?><>I8. 284C MB>3>

70O28B5;L =5 >B25G05B B@51>20=8O< 4;O ?@54>AB02;5=8O ?><>I8 A> AB>@>=K FEMA.

INO   =5 >B25G05B B@51>20=8O<   =5 ?>4B25@64Q= D0:B 2;045=8O A>1AB25==>ABLN:

> =0H8< A2545=8O< 70O28B5;L =5 4>:070;, GB> >= O2;O;AO A>1AB25==8:>< 68;LO =0

<><5=B AB8E89=>3> 154AB28O. 284C MB>3> 70O28B5;L =5 >B25G05B B@51>20=8O< 4;O

?@54>AB02;5=8O A> AB>@>=K FEMA A@54AB2 4;O @5<>=B0 4><0 8;8 70<5=K 53> G0AB59.

INONV   =5 >B25G05B B@51>20=8O<   =5 ?>4B25@64Q= D0:B M:A?;C0B0F88

A>1AB25==>AB8: @8 ?>40G8 2 FEMA 70O2;5=8O > ?>;CG5=88 ?><>I8 70O28B5;L A>>1I8;

FEMA, GB> ?>AB@0402H89 >B AB8E89=>3> 154AB28O 4>< O2;O5BAO 4><><, 2 :>B>@>< >=

?@>68205B 1ó;LHCN G0ABL 2@5<5=8. @8 ?@>2545=88 8=A?5:F88 FEMA 70O28B5;L =5 A<>3

?@54AB028BL 4>:C<5=B>2, 45<>=AB@8@CNI8E, GB> ?@>8=A?5:B8@>20==K9 =0<8 4><

O2;O5BAO 4><><, 2 :>B>@>< >= ?@>6820;. > ?>4B25@645=8O =0<8 B>3>, GB> 70O28B5;L

8=8O ?><>I8 FEMA: 1-800-621-3362 (FEMA) ", 4;O ;8F A =0@CH5=8O<8 A;CE0: 1-800-462-7585

26

?@>6820; ?> C:070==><C 04@5AC, 70O28B5;L =5 8<55B ?@020 =0 ?>;CG5=85 A> AB>@>=K FEMA

?><>I8 2 >15A?5G5=88 68;LQ<.

INR   =5 >B25G05B B@51>20=8O<   =5 1C45B ?5@55760BL: > A2545=8O< FEMA 70O28B5;L

A>>1I8; 8=A?5:B>@C FEMA, GB> =5 A>18@05BAO 2K5760BL 87 A2>53> ?>AB@0402H53> 4><0 =0

?5@8>4 ?@>2545=8O @5<>=B=KE @01>B. >A:>;L:C 70O28B5;L =5 ?;0=8@C5B ?5@55740, >= 2

=0AB>OI55 2@5<O =5 >B25G05B B@51>20=8O< 4;O ?>;CG5=8O >B FEMA ?>A>18O =0 0@5=4C

68;LO.

INS   =5 >B25G05B B@51>20=8O<   8<55B AB@0E>2>9 ?>;8A (8=A?5:F8O =5

?@>2>48;0AL): > =0H8< A2545=8O< =0 4><, 2 :>B>@>< 70O28B5;L ?@>6820; =0 <><5=B

AB8E89=>3> 154AB28O, @0A?@>AB@0=O5BAO 459AB285 AB@0E>20=8O. A5 284K CI5@10, > :>B>@KE

1K;> A>>1I5=> 2 70O2;5=88 =0 ?>;CG5=85 ?><>I8 FEMA, 4>;6=K ?>:@K20BLAO AB@0E>2K<

?>;8A>< 70O28B5;O. FEMA =5 <>65B ?@54>AB028BL ?><>IL, 5A;8 B0:>20O <>65B 1KBL

?>;CG5=0 87 4@C3>3> 8AB>G=8:0, 2:;NG0O AB@0E>2>9 ?;0=; ?> MB>9 ?@8G8=5 2 =0AB>OI55

2@5<O 70O28B5;L =5 >B25G05B B@51>20=8O< 4;O ?@54>AB02;5=8O A> AB>@>=K FEMA A@54AB2

4;O @5<>=B0 4><0 8;8 70<5=K 53> G0AB59. 0O28B5;N A;54C5B =570<54;8B5;L=> ?>40BL 8A: >

2>7<5I5=88 CI5@10 2 A2>N AB@0E>2CN :><?0=8N, ?>A:>;L:C FEMA <>65B >:070BL ?><>IL

2 2>7<5I5=88 CI5@10, =5 ?>:@K205<>3> AB@0E>2K< ?>;8A><.

IOVR   =5 >B25G05B B@51>20=8O<   ?@52KH05B <0:A8<0;L=K9 ?@545; ?@>3@0<<K: >

A2545=8O< FEMA 70O28B5;N C65 ?@54>AB02;5=0 <0:A8<0;L=0O AC<<0 45=56=>3> ?>A>18O

FEMA =0 ?>:@KB85 @0AE>4>2, A2O70==KE A 68;LQ< 8 (8;8) 4@C38<8 =C640<8,

>1CA;>2;5==K<8 AB8E89=K< 154AB285<. 284C MB>3> 70O28B5;L =5 >B25G05B B@51>20=8O<

4;O ?@54>AB02;5=8O 4>?>;=8B5;L=>9 45=56=>9 ?><>I8 A> AB>@>=K FEMA.

ISC   =5 >B25G05B B@51>20=8O<   =0 @09>=, @0A?>;>65==K9 2 >A>1>9 7>=5,

?>425@65==>9 =02>4=5=8O<, =0;>65=K A0=:F88: > A2545=8O< FEMA 4>< ?>AB@040;

>B =02>4=5=8O 8 =0E>48BAO 2 7>=5, ?>425@65==>9 =02>4=5=8O<, =0A5;5=85 :>B>@>3> 2

=0AB>OI55 2@5<O =5 CG0AB2C5B 2 =0F8>=0;L=>9 ?@>3@0<<5 AB@0E>20=8O >B =02>4=5=89

(National Flood Insurance Program). >A:>;L:C ?>AB@0402H89 >B =02>4=5=8O 4>< =0E>48BAO

2 7>=5, ?>425@65==>9 =02>4=5=8O<, 0 =0A5;5=85 @09>=0, 2 :>B>@>< ?@>68205B 70O28B5;L,

=5 CG0AB2C5B 2 =0F8>=0;L=>9 ?@>3@0<<5 AB@0E>20=8O >B =02>4=5=89 (National Flood

Insurance Program), FEMA 2 =0AB>OI55 2@5<O =5 8<55B ?@020 =0 ?@54>AB02;5=85 A@54AB2 4;O

@5<>=B0 4><0 8;8 70<5=K 53> G0AB59.

NCOMP   =5A>1;N45=85 B@51>20=8O ?> AB@0E>20=8N >B =02>4=5=89: > A2545=8O<

FEMA >B 70O28B5;O B@51C5BAO AB@0E>20=85 A2>59 A>1AB25==>AB8 =0 A;CG09 =02>4=5=8O.

>A:>;L:C 4>< ?>AB@040; >B =02>4=5=8O, 0 C 70O28B5;O =5B 459AB2CNI53> AB@0E>2>3> ?;0=0

=0 A;CG09 =02>4=5=89 2 @0<:0E =0F8>=0;L=>9 ?@>3@0<<K AB@0E>20=8O >B =02>4=5=89

(National Flood Insurance Program), FEMA 2 =0AB>OI55 2@5<O =5 <>65B ?@54>AB028BL

A@54AB20 4;O @5<>=B0 4><0 8;8 70<5=K 53> G0AB59. FEMA, >4=0:>, <>65B ?@54>AB028BL

?>A>185 =0 0@5=4C 68;LO, 5A;8 8=A?5:B>@ ?@87=05B, GB> 4>< O2;O5BAO =5157>?0A=K< 4;O

?@>6820=8O, 0 70O28B5;N B@51C5BAO 2@5<5==> ?5@55E0BL =0 =>2>5 <5AB> =0 ?5@8>4

?@>2545=8O @5<>=B=KE @01>B.

www.fema.gov

27

WVO   >B>720=>   70O28B5;L 4>1@>2>;L=> >B>720; 70O2;5=85: > A2545=8O< FEMA

70O28B5;L C:070;, GB> =5 =C6405BAO 2 ?><>I8 A> AB>@>=K FEMA. 0 >A=>20=88 MB>3>

70O2;5=85 2 FEMA > ?>;CG5=88 ?><>I8 2 A2O78 A> AB8E89=K< 154AB285< 1K;>

0==C;8@>20=>.

2.  5H5=8O ?> 0?5;;OF8O<

A I69B   0?5;;OF8O   =5 >B25G05B B@51>20=8O<   =5 ?>;CG5=0 ?>4?8AL (90 69B): >

A2545=8O< FEMA, : 70O2;5=8N =5 ?@8;>65=0 ?>4?8A0==0O D>@<0 45:;0@0F88 8

@07@5H5=8O (90 69B). FEMA <>65B ?@54>AB02;OBL ?><>IL B>;L:> ?@8 CA;>288, GB> :

70O2;5=8N ?@8;>65=0 ?>4?8A0==0O 8 40B8@>20==0O D>@<0 90 69B.

A IAW   0?5;;OF8O   =5 >B25G05B B@51>20=8O<   B>B 65 04@5A:  ?@54K4CI5< ?8AL<5

<K >1JOA=8;8, GB> ?> =0H8< A2545=8O<, =0 <><5=B AB8E89=>3> 154AB28O 70O28B5;L

?@>6820; ?> B><C 65 04@5AC, GB> 8 ;8F>, C65 ?>402H55 70O2;5=85 2 FEMA =0 ?>;CG5=85

?><>I8 2 >15A?5G5=88 68;LQ<. !>B@C4=8:8 FEMA @0AA<>B@5;8 0?5;;OF8N 8

?@54AB02;5==K5 4>?>;=8B5;L=K5 4>:C<5=BK 8 ?> ?@56=5<C =5 A<>3;8 ?>4B25@48BL, GB>

70O28B5;L ?@>6820; ?> 04@5AC, >B;8G=><C >B B>3>, :>B>@K9 C:070= 2 70O2;5=88 4@C3>3>

;8F0. 284C MB>3> 0?5;;OF8O >B:;>=O5BAO, 8 70O28B5;L =5 8<55B ?@020 =0 ?>;CG5=85 A>

AB>@>=K FEMA ?><>I8 2 >15A?5G5=88 68;LQ<.

A IID   0?5;;OF8O   =5 >B25G05B B@51>20=8O<   =54>AB0B>G=K9 CI5@1   2;045;5F: 

?@54K4CI5< ?8AL<5 <K >1JOA=8;8, GB> 70O28B5;L =5 8<55B ?@020 =0 ?>;CG5=85 A> AB>@>=K

FEMA ?><>I8 2 >15A?5G5=88 68;LQ< 2284C B>3>, GB> =0 >A=>20=88 @57C;LB0B>2 8=A?5:F88

FEMA 1K;> CAB0=>2;5=>, GB> AB8E89=>5 154AB285 =5 A45;0;> 4>< 70O28B5;O =5157>?0A=K<

4;O ?@>6820=8O. -B> >?@545;5=85 1K;> 2A5F5;> >A=>20=> =0 87CG5=88 CI5@10 4><C,

2K720==>3> 40==K< AB8E89=K< 154AB285<. K ?>OA=8;8, GB> E>BO AB8E89=>5 154AB285

<>3;> =0=5AB8 =51>;LH>9 C@>=, <>6=> >6840BL, GB> 70O28B5;L 8;8 0@5=4>40B5;L

?@>87254CB =5>1E>48<K9 @5<>=B A0<8. K C:070;8, :0:85 4>:C<5=BK <>6=> ?@54AB028BL

4;O ?>4B25@645=8O B>3>, GB> CI5@1 4><C 1K; =0=5AQ= AB8E89=K< 154AB285< 8 GB> MB>

?@825;> 4>< 2 =5157>?0A=>5 4;O ?@>6820=8O 8;8 =568;>5 A>AB>O=85. K @0AA<>B@5;8

0?5;;OF8N 8 ?@8H;8 : 2K2>4C, GB> =0H5 ?5@2>=0G0;L=>5 @5H5=85 1K;> 25@=K<. ><C =5

=0=5A5=> CI5@10 >B AB8E89=>3> 154AB28O, :>B>@K9 ?@825; 1K 4>< 2 =5157>?0A=>5 4;O

?@>6820=8O A>AB>O=85.

A IIDV   0?5;;OF8O   =5 >B25G05B B@51>20=8O<   =5 CAB0=>2;5=0 ;8G=>ABL 70O28B5;O:

 ?@54K4CI5< ?8AL<5 <K >1JOA=8;8, GB> 4;O @0AA<>B@5=8O 70O2;5=8O =0 ?>;CG5=85

?><>I8 2 A2O78 A> AB8E89=K< 154AB285< =0< B@51C5BAO 4>?>;=8B5;L=0O 8=D>@<0F8O 4;O

?>4B25@645=8O ;8G=>AB8 70O28B5;O. 35=BAB2> FEMA >1O70=> ?@>25@OBL 8=D>@<0F8N,

?@8254Q==CN 2 70O2;5=88. K =5 A<>3;8 A2O70BL 8<O 8 D0<8;8N 70O28B5;O A =><5@><

A>F80;L=>3> >15A?5G5=8O 4;O ?>4B25@645=8O ;8G=>AB8 70O28B5;O. K C:070;8, 2 :0:8E

4>:C<5=B0E <>65B A>45@60BLAO B@51C5<0O 8=D>@<0F8O. K @0AA<>B@5;8 0?5;;OF8N

70O28B5;O 8 ?@54AB02;5==K5 4>?>;=8B5;L=K5 4>:C<5=BK 8 ?> ?@56=5<C =5 A<>3;8

CAB0=>28BL ;8G=>ABL 70O28B5;O. FEMA =5 <>65B ?@54>AB028BL =8:0:>9 ?><>I8 4>

CAB0=>2;5=8O ;8G=>AB8 ?>40B5;O 70O2;5=8O. 284C MB>3> 0?5;;OF8O >B:;>=O5BAO, 8 <K 2

=0AB>OI55 2@5<O =5 <>65< ?@>25AB8 40;L=59H53> @0AA<>B@5=8O 40==>3> 70O2;5=8O.

8=8O ?><>I8 FEMA: 1-800-621-3362 (FEMA) ", 4;O ;8F A =0@CH5=8O<8 A;CE0: 1-800-462-7585

28

A IMI   0?5;;OF8O   =5 >B25G05B B@51>20=8O<   2284C >BACBAB28O 70O28B5;O =5 <>3;0

1KBL ?@>2545=0 8=A?5:F8O:  ?@54K4CI5< ?8AL<5 <K >1JOA=8;8, GB> 4;O @0AA<>B@5=8O

2>?@>A0 > ?@54>AB02;5=88 A> AB>@>=K FEMA ?><>I8 2 >15A?5G5=88 68;LQ< 70O28B5;L

(8;8 4@C3>9 G;5= A5<L8 AB0@H5 18 ;5B) 4>;6=K ?@>25AB8 2AB@5GC A 8=A?5:B>@>< 4;O

>F5=:8 CI5@10 4><C, =0=5AQ==>3> AB8E89=K< 154AB285<, 8 GB>, ?> =0H8< A2545=8O<,

70O28B5;L >BACBAB2>20; 2 =07=0G5==>5 2@5<O 4;O ?@>2545=8O 8=A?5:F88 A> AB>@>=K FEMA.

0O28B5;L ?>72>=8; ?> ;8=88 ?><>I8 FEMA, 8 4;O >A<>B@0 4><0 1K; =07=0G5= 4@C3>9

8=A?5:B>@. 4=0:> 70O28B5;L A=>20 >BACBAB2>20; 2> 2@5<O, =07=0G5==>5 4;O ?@>2545=8O

8=A?5:F88. 284C MB>3> <K =5 A<>65< >:070BL 70O28B5;N 40;L=59H59 ?><>I8.

A INCI   0?5;;OF8O   =5 >B25G05B B@51>20=8O<   8=A?5:B>@C =5 C40;>AL A2O70BLAO A

70O28B5;5<:  ?@54K4CI5< ?8AL<5 87 FEMA <K >1JOA=8;8, GB> 4;O @0AA<>B@5=8O

2>?@>A0 > ?@54>AB02;5=88 A> AB>@>=K FEMA ?><>I8 2 >15A?5G5=88 68;LQ< 70O28B5;L

(8;8 4@C3>9 G;5= A5<L8 AB0@H5 18 ;5B) 4>;6=K ?@>25AB8 2AB@5GC A 8=A?5:B>@>< 4;O

>F5=:8 CI5@10 4><C, =0=5AQ==>3> AB8E89=K< 154AB285<, 8 GB>, ?> =0H8< A2545=8O<,

8=A?5:B>@C FEMA =5 C40;>AL A2O70BLAO A 70O28B5;5< 8 4>3>2>@8BLAO > 2AB@5G5. 0O28B5;L

?>72>=8; ?> ;8=88 ?><>I8 FEMA, 8 4;O >A<>B@0 4><0 1K; =07=0G5= 4@C3>9 8=A?5:B>@.

-B>B 8=A?5:B>@ A45;0; =5A:>;L:> ?>?KB>: A2O70BLAO A 70O28B5;5< 8 4>3>2>@8BLAO > 40B5 8

2@5<5=8 ?@>2545=8O 8=A?5:F88, >4=0:> MB8 ?>?KB:8 >:070;8AL 157CA?5H=K<8. 284C

MB>3> <K =5 A<>65< >:070BL 70O28B5;N 40;L=59H59 ?><>I8.

A INFI   0?5;;OF8O   =5 >B25G05B B@51>20=8O<   >BACBAB2C5B ?8AL<> 87 AB@0E>2>9

:><?0=88 > ?@54>AB02;5=88 8;8 >B:075 2 2>7<5I5=88 CI5@10 >B =02>4=5=8O: 

?@54K4CI5< ?8AL<5 <K >1JOA=8;8, GB> 70O28B5;L =5 >B25G05B B@51>20=8O< 4;O

?@54>AB02;5=8O A> AB>@>=K FEMA A@54AB2 4;O @5<>=B0 4><0 8;8 70<5=K 53> G0AB59,

?>A:>;L:C C 70O28B5;O 5ABL AB@0E>20=85 >B =02>4=5=89. K C:070;8, :0:85 4>:C<5=BK

<>6=> =0?@028BL 4;O >160;>20=8O =0H53> @5H5=8O. K @0AA<>B@5;8 0?5;;OF8N

70O28B5;O 8 ?@54AB02;5==K5 4>?>;=8B5;L=K5 4>:C<5=BK 8 ?> ?@56=5<C =5 <>65<

?>4B25@48BL AC<<C AB@0E>2>3> 2>7<5I5=8O 70O28B5;O. 284C MB>3> 0?5;;OF8O >B:;>=O5BAO,

8 70O28B5;L =5 8<55B ?@020 =0 ?>;CG5=85 A> AB>@>=K FEMA ?><>I8 2 >15A?5G5=88

68;LQ<.

A INI, A INS   0?5;;OF8O   =5 >B25G05B B@51>20=8O<   >BACBAB2C5B ?8AL<> 87

AB@0E>2>9 :><?0=88 > ?@54>AB02;5=88 8;8 >B:075 2 2>7<5I5=88 CI5@10: 

?@54K4CI5< ?8AL<5 <K >1JOA=8;8, GB> 70O28B5;L =5 >B25G05B B@51>20=8O< 4;O

?@54>AB02;5=8O A> AB>@>=K FEMA A@54AB2 4;O @5<>=B0 4><0 8;8 70<5=K 53> G0AB59,

?>A:>;L:C C 70O28B5;O 5ABL ?;0= AB@0E>20=8O A2>53> 4><0. K B0:65 C:070;8 2 ?8AL<5,

:0:85 4>:C<5=BK <>6=> =0?@028BL 4;O >160;>20=8O =0H53> @5H5=8O. K 87CG8;8

?@54AB02;5==K5 70O28B5;5< 4>:C<5=BK 8 =5 <>65< ?@8=OBL 0?5;;OF8N, ?>A:>;L:C =5

?>;CG8;8 ?>4@>1=>9 4>:C<5=B0F88 > 2>7<5I5=88 AB@0E>2>9 :><?0=859 CI5@10 8;8

?8AL<5 >1 >B:075 2 B0:>2>< 2>7<5I5=88.

A;8 C 70O28B5;O 5ABL 2>?@>AK > =5>1E>48<KE 4>:C<5=B0E, >= <>65B ?>72>=8BL ?> ;8=88

?><>I8 FEMA.

www.fema.gov

29

A INO   0?5;;OF8O   =5 >B25G05B B@51>20=8O<   ?>40=0 ?> 8AB5G5=88 60 4=52=>3>

A@>:0:  ?@54K4CI5< ?8AL<5 <K >1JOA=8;8, GB> ;N1CN 0?5;;OF8N =0 @5H5=85 FEMA

=5>1E>48<> ?>40BL 2 B5G5=85 60 4=59 A 40BK ?8AL<0 > @5H5=88. 0O28B5;L =5 ?>40;

0?5;;OF8N 2 B5G5=85 60 4=52=>3> A@>:0. 284C MB>3> 0?5;;OF8O @0AA<0B@820BLAO =5 1C45B,

5A;8 B>;L:> >4=> 87 A;54CNI8E >1AB>OB5;LAB2 =5 ?><5H0;> 70O28B5;N 2>2@5<O ?>40BL

0?5;;OF8N: 1) ?@51K20=85 2 1>;L=8F5, 1>;57=L, >3@0=8G5=85 455A?>A>1=>AB8 8;8 A<5@BL

1;87:>3> G;5=0 A5<L8, 2) ?>574:0 ?> ;8G=K< 8;8 A;C651=K< 45;0<, :>B>@0O >1CA;>28;0

>BACBAB285 70O28B5;O 2 A2>Q< @538>=5 2 B5G5=85 2A53> A@>:0 4;O ?>40G8 0?5;;OF88. A;8

70O28B5;L E>G5B, GB>1K 035=BAB2> FEMA @0AA<>B@5;> 0?5;;OF8N, 70O28B5;L <>65B

?@8A;0BL >1JOA=8B5;L=CN 70?8A:C 8 2A5 A>?CBAB2CNI85 4>:C<5=BK, 87 :>B>@KE OA=>

A;54C5B, ?>G5<C 70O28B5;L =5 A<>3 2>2@5<O ?>40BL 0?5;;OF8N.

A INO   0?5;;OF8O   =5 >B25G05B B@51>20=8O<   AB@0E>2>5 2>7<5I5=85 ?@52KH05B

CAB0=>2;5==K9 FEMA <0:A8<0;L=K9 @07<5@ 2>7<5I5=8O CI5@10:  >B;8G85 >B

G0AB=KE AB@0E>2KE :><?0=89 ?@>3@0<<0 FEMA >?;0G8205B B>;L:> @0AE>4K ?>

=5>1E>48<><C @5<>=BC 68;LO. > MB>9 ?@8G8=5 AC<<0 AB@0E>2KE 2>7<5I5=89 =5@54:>

?@52>AE>48B <0:A8<0;L=CN AC<<C ?><>I8, :>B>@CN FEMA <>65B ?@54>AB028BL =0

@5<>=B 68;LO. >A:>;L:C FEMA =5 <>65B 4C1;8@>20BL 2K?;0BK A> AB>@>=K AB@0E>2KE

:><?0=89, 0?5;;OF8O 70O28B5;O >B:;>=O5BAO.

A INO   0?5;;OF8O   =5 >B25G05B B@51>20=8O<   =5 O2;O5BAO ;530;L=K< 68B5;5<

!(:  ?@54K4CI5< ?8AL<5 <K >1JOA=8;8, GB> FEMA =5 <>65B @0AA<>B@5BL 2>?@>A >

?@54>AB02;5=88 70O28B5;N :0:>9 ;81> ?><>I8, =0 :>B>@CN >= <>65B ?@5B5=4>20BL, 157

?>;CG5=8O >B 70O28B5;O «5:;0@0F88 8 @07@5H5=8O» (?> D>@<5 90 69B) A C:070=85<, GB>

>= 8;8 >48= 87 G;5=>2 53> A5<L8 O2;O5BAO 3@0640=8=>< !(, ?>440==K< !( 157 ?@020

3@0640=AB20 8;8 8=>AB@0=F5<, 8<5NI8< ?@02> =0 ?>;CG5=85 3>AC40@AB25==>9 ?><>I8.

K B0:65 @5:><5=4>20;8 70O28B5;N 70?>;=8BL 8 =0?@028BL =0< =>2CN D>@<C. K

@0AA<>B@5;8 0?5;;OF8N 70O28B5;O 8 ?@54AB02;5==K5 4>?>;=8B5;L=K5 4>:C<5=BK 8 ?> 

?@56=5<C =5 <>65< CAB0=>28BL, GB> 70O28B5;L 8;8 >48= 87 G;5=>2 53> A5<L8 O2;O5BAO

3@0640=8=>< !(, ?>440==K< !( 157 ?@020 3@0640=AB20 8;8 8=>AB@0=F5<, 8<5NI8<

?@02> =0 ?>;CG5=85 3>AC40@AB25==>9 ?><>I8. 284C MB>3> 0?5;;OF8>==0O 60;>10

70O28B5;O >B:;>=O5BAO, 8 53> 70O2;5=85 > ?>;CG5=88 ?><>I8 A> AB>@>=K FEMA

@0AA<0B@820BLAO =5 1C45B.

A INO   0?5;;OF8O   =5 >B25G05B B@51>20=8O<   =5 ?>4B25@64Q= D0:B 2;045=8O

A>1AB25==>ABLN:  ?@54K4CI5< ?8AL<5 <K >1JOA=8;8, GB> 70O28B5;L =5 4>:070;, GB>

O2;O;AO A>1AB25==8:>< 68;LO =0 <><5=B AB8E89=>3> 154AB28O. K C:070;8, :0:85

4>:C<5=B 70O28B5;L <>65B ?@54AB028BL 4;O ?>4B25@645=8O D0:B0 2;045=8O ?>AB@0402H8<

4><><. K @0AA<>B@5;8 0?5;;OF8N 70O28B5;O 8 ?@54AB02;5==K5 4>?>;=8B5;L=K5

4>:C<5=BK, >4=0:> <K ?> ?@56=5<C =5 <>65< ?>4B25@48BL, GB> 70O28B5;L O2;O5BAO

2;045;LF5< 4><0. 284C MB>3> 0?5;;OF8O 70O28B5;O >B:;>=O5BAO, 8 70O28B5;L =5 >B25G05B

B@51>20=8O< 4;O ?@54>AB02;5=8O A> AB>@>=K FEMA A@54AB2 4;O @5<>=B0 4><0 8;8 70<5=K

53> G0AB59.

A INO   0?5;;OF8O   =5 >B25G05B B@51>20=8O<   2>7<5I5=85 @0AE>4>2 A25@E

CAB0=>2;5==>9 0@5=4=>9 AB02:8 =52>7<>6=>: K @0=55 >1JOA=8;8, GB> <5AOG=K9

8=8O ?><>I8 FEMA: 1-800-621-3362 (FEMA) ", 4;O ;8F A =0@CH5=8O<8 A;CE0: 1-800-462-7585

30

@07<5@ ?>A>18O FEMA =0 0@5=4C 68;LO >A=>20= =0 G8A;5 70=OBKE :><=0B 2 4><5 70O28B5;O

=0 <><5=B AB8E89=>3> 154AB28O 8 >3@0=8G5= @07<5@>< 0@5=4=KE AB02>:, CAB0=>2;5==KE

8=8AB5@AB2>< 68;8I=>3> AB@>8B5;LAB20 8 3>@>4A:>3> @0728B8O !( (U.S. Department of

Housing and Urban Development   HUD). K @0AA<>B@5;8 0?5;;OF8N 70O28B5;O 8

?@54AB02;5==K5 4>?>;=8B5;L=K5 4>:C<5=BK. K CAB0=>28;8, GB> @07<5@ 565<5AOG=>3>

?>A>18O, :>B>@K9 <K 2K?;0G820;8 70O28B5;N, 1K; 045:20B=K<. 284C MB>3> 0?5;;OF8O

>B:;>=O5BAO, 8 <K =5 <>65< >?;0B8BL 0< 1>;55 2KA>:CN <5AOG=CN 0@5=4=CN AB02:C.

A INONV   0?5;;OF8O   =5 >B25G05B B@51>20=8O<   =5 ?>4B25@64Q= D0:B

M:A?;C0B0F88 A>1AB25==>AB8:  ?@54K4CI5< ?8AL<5 <K >1JOA=8;8, GB> =5 A<>3;8

?>4B25@48BL B>3> D0:B0, GB> 4><, :>B>@K9, ?> A>>1I5=8N 70O28B5;O, ?>AB@040; >B

AB8E89=>3> 154AB28O, O2;O5BAO 4><><, 2 :>B>@>< >= ?@>6820;. K @0AA<>B@5;8

0?5;;OF8N 70O28B5;O 8 ?@54AB02;5==K5 4>?>;=8B5;L=K5 4>:C<5=BK, >4=0:> <K ?> 

?@56=5<C =5 <>65< ?>4B25@48BL, GB> 4><, :>B>@K9 C:070= 2 70O2;5=88 > ?><>I8 O2;O5BAO

4><><, 2 :>B>@>< 70O28B5;L D0:B8G5A:8 ?@>6820;. 284C MB>3> 0?5;;OF8O >B:;>=O5BAO, 8

70O28B5;L =5 8<55B ?@020 =0 ?>;CG5=85 A> AB>@>=K FEMA ?><>I8 2 >15A?5G5=88 68;LQ<.

A IOVR   0?5;;OF8O   =5 >B25G05B B@51>20=8O<   ?@52KH05B <0:A8<0;L=K9 ?@545;

?@>3@0<<K:  ?@54K4CI5< ?8AL<5 <K >1JOA=8;8, GB> 70O28B5;N =5 ?>;>65=0

4>?>;=8B5;L=0O ?><>IL A> AB>@>=K FEMA, ?>A:>;L:C 5<C C65 ?@54>AB02;5=0

<0:A8<0;L=0O AC<<0 45=56=>3> ?>A>18O FEMA =0 ?>:@KB85 @0AE>4>2, A2O70==KE A 68;LQ<

8 (8;8) 4@C38<8 =C640<8, >1CA;>2;5==K<8 AB8E89=K< 154AB285<. K @0AA<>B@5;8

0?5;;OF8N 70O28B5;O 8 ?@54AB02;5==K5 4>?>;=8B5;L=K5 4>:C<5=BK. > =0H8< A2545=8O<

70O28B5;N C65 ?@54>AB02;5=0 <0:A8<0;L=0O AC<<0 45=56=>3> ?>A>18O FEMA. 284C MB>3>

<K =5 <>65< ?@54>AB028BL 70O28B5;N 4>?>;=8B5;L=>9 ?><>I8 87 D>=4>2 FEMA.

A ISC   0?5;;OF8O   =5 >B25G05B B@51>20=8O<   =0 @09>=, @0A?>;>65==K9 2 >A>1>9

7>=5, ?>425@65==>9 =02>4=5=8O<, =0;>65=K A0=:F88:  ?@54K4CI5< ?8AL<5 <K

>1JOA=8;8, GB> 70O28B5;L =5 >B25G05B B@51>20=8O< 4;O ?@54>AB02;5=8O A> AB>@>=K FEMA

A@54AB2 4;O @5<>=B0 4><0 8;8 70<5=K 53> G0AB59, ?>A:>;L:C 4>< =0E>48BAO 2 7>=5,

?>425@65==>9 =02>4=5=8O<, =0A5;5=85 :>B>@>3> 2 =0AB>OI55 2@5<O =5 CG0AB2C5B 2

=0F8>=0;L=>9 ?@>3@0<<5 AB@0E>20=8O >B =02>4=5=89 (National Flood Insurance Program  

NFIP). K B0:65 C:070;8 2 ?8AL<5, :0:85 4>:C<5=BK <>6=> =0?@028BL 4;O >160;>20=8O

=0H53> @5H5=8O. K @0AA<>B@5;8 0?5;;OF8N 70O28B5;O 8 ?@54AB02;5==K5

4>?>;=8B5;L=K5 4>:C<5=BK. > =0H8< A2545=8O<, :>B>@K5 A>>B25BAB2CNB ?@54K4CI8<,

4>< 70O28B5;O =0E>48BAO 2 7>=5, ?>425@65==>9 =02>4=5=8O<, 8 CI5@1 4><C =0=5AQ=

=02>4=5=85<. 284C MB>3> 0?5;;OF8O >B:;>=O5BAO, 8 70O28B5;L =5 8<55B ?@020 =0

?>;CG5=85 A> AB>@>=K FEMA ?><>I8 2 >15A?5G5=88 68;LQ<.

A NCOMP   0?5;;OF8O   =5A>1;N45=85 B@51>20=8O ?> AB@0E>20=8N >B =02>4=5=89:

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?@54>AB02;5=8O A> AB>@>=K FEMA A@54AB2 4;O @5<>=B0 4><0 8;8 70<5=K 53> G0AB59,

?>A:>;L:C C 70O28B5;O =5 1K;> B@51C5<>3> AB@0E>20=8O 4><0 >B =02>4=5=89. >A:>;L:C <K

=5 ?>;CG8;8 4>:C<5=B0F88, 87 :>B>@>9 A;54>20;> 1K, GB> 4>< =5 ?>AB@040; >B =02>4=5=8O,

8 (8;8) <K =5 ?>;CG8;8 4>:C<5=B>2, 87 :>B>@KE A;54>20;> 1K, GB> C 70O28B5;O 5ABL

459AB28B5;L=K9 AB@0E>2>9 ?>;8A 4;O 70I8BK A>1AB25==>AB8, B> 0?5;;OF8O >B:;>=O5BAO.

www.fema.gov

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