Group Flood Insurance Program

SBA Dependent Types of Other Needs Assistance are only for individuals or household who do not qualify for the SBA may be eligible for the following types of assistance: Group Flood Insurance Policy- FEMA may pay $600 under ONA for three years of flood insurance for eligible recipients of assistance for flood-damaged property (personal or real) located in a SFHA on which FEMA places a flood insurance requirement. As part of the effort to reduce future expenses from floods, FEMA directly purchases GFIP certificates on behalf of applicants who are required to purchase and maintain flood insurance but who may not otherwise be able to purchase a policy. The GFIP is a policy that is established for each disaster declaration that results from flooding and authorizes the provision of Individual Assistance. In addition to meeting general conditions of eligibility, applicants must meet the following conditions in order to be considered for a GFIP certificate: FEMA verifies that damage to the applicant’s property is caused by flooding and the damaged items are insurable under NFIP. The applicants does not have flood insurance coverage at the time of the disaster The applicants damaged residence is located in a SFHA The applicants damaged residence is not located in a sanctioned community, CBRS area, or OPA The applicant does not have a previous requirement to maintain flood insurance as a condition of receiving IHP assistance. The applicant is referred to ONA The applicant is eligible for Home Repair, Replacement, or Personal Property Assistance, prompting the requirement to maintain flood insurance on the damaged residence and initiating the GFIP. Notification and Response: Pre-disaster owners included in the GFIP receive notification from FEMA stating they have been included in the policy as well as a “Certificate of Flood Insurance” but do not receive the actual policy. Applicants do not have the ability to decline the GFIP. FEMA give applicants 60-day notice of policy expiration and a final notice of termination of coverage. When GFIP expires, the applicant is responsible for purchasing and maintaining flood insurance on their own. Failure to maintain flood insurance will affect applicant eligibility for future disaster assistance. Limitations and Exclusions: If the cost of a GFIP policy exceeds the remaining amount of IHP Assistance available to the applicant, then FEMA will not purchase a policy. The applicants will still be responsible for purchasing a policy on their own. Applicants who own or rent travel trailers on non-permanent foundations are not eligible for GFIP.


Housing

Individuals and Households Program (IHP): **Five Reasons FEMA Might Say You are Ineligible for Housing Assistance and Five Ways You Might Be Able to Change That Decision** Look at Individuals & Households Program Unified Guidance for detailed information. Lodging Expense Reimbursement (LER): Financial assistance to reimburse for hotels, motels, or other short-term lodging while an applicant is displaced from his or her primary residence. How long is Short-term? Up to 7 days from your initial Rental Assistance Award. LER does not cover Phone, Laundry, Internet, Movies, Food and Pet Charges Ch. 4 pg. 43 Click on “Individual & Household Programs Unified Guidance” above. Rental Assistance: Financial assistance to rent alternate housing accommodations while an applicant is displaced from his or her primary residence. How FEMA Temporary Rental Assistance Helps Texans Continued Temporary Rental Assistance: FEMA may provide Continued Rental Assistance to eligible applicants based on need, and generally only when adequate, alternate housing is not available, or when the applicant’s permanent housing plan has not been fulfilled through no fault of the applicant. The continued temporary housing need must be documented and the applicant must continue to work toward obtaining permanent housing to remain eligible for Continued Rental Assistance. FEMA will use 2017 to base Rental Assistance payment Ch. 4 Pg. 50-51. You may look this up at this link: Link Ch. 4 pg. 45-51 Click on “Individual & Household Programs Unified Guidance” above. Need Continue Rental Assistance? Simply Take two Important Steps Repair Assistance: To help repair an owner-occupied primary residence, utilities, and residential structure, including privately-owned access routes (driveways, roads, or bridges) to a safe and sanitary living or functioning condition. Repair assistance may be used for: Structural parts of your home (foundation, outside walls, roof). Septic or sewage system. Well or other water system. Heating, ventilating, and air conditioning system. Utilities (electrical, plumbing, and gas systems). Entrance and exit ways from your home, including privately owned access roads. Blocking, leveling, and anchoring of a mobile home and reconnecting or resetting its sewer, water, electrical, fuel lines, and tanks. Ch. 4 pg. 52-53 Click on “Individual & Household Programs Unified Guidance” above. More information: Click here Replacement: Financial assistance to help replace uninsured or under-insured owner-occupied primary residence when the residence is destroyed. Ch. 4 pg. 56-57 Click on “Individual & Household Programs Unified Guidance” above.  


Funeral

Non- SBA Dependent Types of Other Needs Assistance does not require the applicant to apply for a Small Business Administration Loan (SBA) before being considered. Funeral Assistance – FEMA provides financial assistance to individuals and households with disaster-caused funeral expenses. The applicant does not need to live in the Presidentially-declared disaster area to be considered for the assistance. The individual who incurs the expense related to a death directly caused by a declared emergency or major disaster may apply for and, if eligible, receive Funeral Assistance.  Applicants must meet the general conditions of eligibility as well as the following conditions of eligibility: A state, local, territorial or tribal government licensed medical official, has determined the cause of death was a direct result of the disaster. The applicant incurred or will incur eligible funeral expenses not covered by other sources. The maximum allowable for funeral expenses is up to $9000 based on eligibility.  


Personal Property

SBA Dependent Types of Other Needs Assistance are only for individuals or household who do not qualify for the SBA may be eligible for the following types of assistance: Personal Property Assistance – FEMA may provide financial assistance to repair or replace personal property damaged or destroyed due to a disaster. FEMA and the affected state, territorial, or tribal government establishes a maximum quantity that may be awarded for each personal property item. FEMA calculates the award amount for each item according to the consumer price index data for items of average quality, size, and capacity in the area where the damage occurred. FEMA will record personal property as being unaffected or needing repair or replacement during inspection of the applicant’s damaged primary residence. Assistance to repair and replace personal property falls within the following categories: Appliances: includes standard household appliances, such as refrigerator, washing machine, etc. Clothing: essential clothing needed due to overall loss, damage, or contamination Room furnishings: Standard furnishings found in a bedroom, kitchen, bathroom, and living room. Essential tools: Tools and equipment required by an employer as a condition of employment and items required as a condition of an applicant’s or household member’s education. Examples of essential tools: Schoolbooks/supplies- Equipment and supplies required to be provided by the applicant for educational courses or schooling, including home schooling, college, and trade school. Uniforms- Required for school or work when the applicant is responsible for replacement of the uniforms. Computers- Required by a school or employers (not self- employed) when the applicant is responsible for the replacement of the computer. Occupational Tools- Essential tools and equipment required by an employer (not self-employed) as condition of employment. Applicants may be asked to provide the following documentation for essential tools: A statement from employer on company letterhead documenting the applicant is required to provide their own tools as a condition of employment. A statement on school letterhead documenting a computer is required as a condition of education and does the school does not provide access to computers to use outside of class, such as a school computer lab. An itemized list of the tools required by the employer, also on company letterhead. An itemized list of each tool required and a verifiable statement, estimate, or bill from the place of the potential purchase stating that the damage was caused by the disaster. There is no cap for program as long as it does not exceed the $33,300 max event total.


Vehicle Repair or replacement

SBA Dependent Types of Other Needs Assistance are only for individuals or household who do not qualify for the SBA may be eligible for the following types of assistance: Transportation Assistance- FEMA may provide financial assistance with disaster-caused vehicle repair or replacement expenses.  The amount of Transportation Repair and Replacement Assistance awarded is based on the degree of damage and the state, territorial or tribal government’s repair and replacement maximum. For vehicles repair up to $550, for vehicles Replacement up to $9000 based on eligibility. Required Documentation Generally, FEMA will verify vehicle damage during an on-site inspection and record it as repairable or destroyed. If the vehicle is not available at the time of inspections or applicant does not receive an on-site inspection FEMA requests that applicants submit: A copy of valid vehicle registration at the time of the disaster A list of all vehicles owned (year, make, model) and a brief description of damage of each vehicle. Proof of liability insurance coverage or statement that insurance coverage does not exist. For vehicle repair, a verifiable bill, receipt, or estimate from a mechanic that does the following: Confirms the damage is disaster-caused Identifies repair or replacement cost (parts, service, and labor) Includes the mechanic’s contact information.


SBA

U.S. Small Business Administration (SBA): The Small Business Administration (SBA) can loan low-interest disaster loans to homeowners, renters, and business owners. Businesses can borrow up to $2 million to repair/replace disaster property damage. Homeowners may borrow up to $200,000 for disaster related home repairs. Homeowners and renters may borrow up to $40,000 to replace disaster-damaged personal property including vehicles. The SBA may not duplicate benefits from your insurance or FEMA. You may receive an SBA referral when you apply with FEMA. Homeowners and renters should submit their SBA disaster loan application, even if they are not sure if they will need or want a loan. If SBA cannot approve your application, in most cases we refer you to FEMA’s Other Needs Assistance (ONA) program for possible additional assistance. SBA Dependent Types of Other Needs Assistance are only for individuals or household who do not qualify for the SBA may be eligible for the following types of assistance: Personal Property Assistance Transportation Assistance Moving and Storage Assistance Group Flood Insurance Policy Non- SBA Dependent Types of Other Needs Assistance does not require the applicant to apply for a Small Business Administration Loan (SBA) before being considered. Assistance for Miscellaneous Items Child Care Assistance Critical Needs Assistance Funeral Assistance Medical and Dental Assistance Steps to receive Other Needs Assistance (ONA) Program Work – Individual must apply for FEMA for assistance If applicant does not meet the income criteria during the application process they will be immediately referred to the Other Needs Assistance Program. If the applicant receives an SBA application from. It must be filled out and returned If the applicant is not eligible for SBA; the applicant will be referred to ONA If you are approved for SBA but decline the funds you will be ineligible for SBA Dependent Programs, however you may still be eligible to apply for Non-SBA Dependent Programs. Once ONA is identified (under eligible program) the process is approved and funds are immediately deposited into banking account, or a paper check will be mailed depending on the applicant’s preference. Questions: Call 1-800-659-2955 from 8AM – 9Pm (EDT) Monday – Friday Email SBA at disastercustomerservice@sba.gov Application/Information: English Spanish First Register with FEMA if you have not done so already: Disasterassistance.gov or, Call 1-800-621-3362 Persons who are deaf, hard of hearing or have a speech disability and use a TTY, call 1-800-462-7585 711 and Video Relay Service (VRS) 1-800-621-3362 Application deadlines: Physical Damage: October 24, 2017 Economic Injury: May 25, 2018 Interest Rates: No Credit Available Elsewhere Credit Available Elsewhere Business Loans 3.305% 6.610% Non-Profit Organization Loans 2.500% 2.500% Home Loans 1.7505 3.500% More information: English Spanish


FEMA

Crisis Counseling Assistance and Training Program Disaster Unemployment Assistance (DUA) Disaster Legal Services (DLS) The National Flood Insurance Program Individuals and Household Programs Financial Housing Assistance Rental Assistance Lodging Expense Reimbursement Home Repair Assistance Home Replacement Assistance Direct Housing Assistance Manufactured Housing Units Multi-Family Lease and Repair Permanent or Semi-Permanent Housing Other Needs Assistance SBA Dependent Personal Property Assistance Transportation Assistance Moving and Storage Assistance Group Flood Insurance Policy Other Needs Assistance Non-SBA Dependent Funeral Assistance Medical and Dental Assistance Child Care Assistance Miscellaneous or Other Items Assistance Lodging Expense Reimbursement (LER) Rental Assistance Repair Assistance Replacement


Press Release- You Could Be Eligible for More Financial Assistance 9.26.17

You could be eligible for more financial assistance For Immediate Release – September 26, 2017 Montgomery County Office of Homeland Security and Emergency Management continues to work with FEMA to get assistance for the citizens. Some of this assistance is up to you to obtain, if you were referred to the U.S. Small Business Administration or received an application for an SBA loan we strongly encourage you to apply. You could be missing out on additional financial assistance. You must complete an SBA application in order to see if you qualify for some of the Other Needs Assistance Program grants. If an SBA loan is offered, acceptance is not necessary and will not disqualify you from the Other Needs Assistance Program. You may be eligible to receive other financial assistance such as. The state provides these grants to repair or pay for: Disaster‐related medical or dental costs. Disaster‐related funeral and burial costs. Clothing; household items (room furnishings, appliances); tools (specialized or protective clothing and equipment) required for your job; necessary educational materials (computers, school books, and supplies). Fuels for primary heat source (heating oil, gas, firewood). Disaster‐specified clean‐up items (wet/dry vacuum, air purifier and dehumidifier). A vehicle damaged by the disaster. Moving and storage expenses related to the disaster (moving and storing property to avoid additional disaster damage while disaster‐related repairs are being made to the home). Other necessary expenses or serious needs as determined by the State and FEMA.   The application is not required for survivors seeking temporary rental assistance. Additionally SBA has extended disaster assistance to private nonprofit organizations that provide essential services of a governmental nature are eligible for assistance. Red Cross has launched an on-line financial assistance program and you can apply online at https://harveyhelp.redcross.org/index.html. Montgomery County can use volunteer hours as a match of county contributions for FEMA reimbursement. If you are a nonprofit or other organization that volunteered or had volunteers helping with Harvey efforts, please contact the Office of Homeland Security and Emergency Management to file the correct paperwork. This will act as an in-kind donation to Montgomery County and will count towards part of the percentage that we must pay for Harvey relief efforts. Debris sites for public drop off: 1130 Pruitt Dr.-Spring – Closing October 1, 2017 242 – Northwest corner of 1314 & 242 – Closing October 16, 2017 10990 Seven Coves Rd – Conroe – Closing October 16, 2017 Lone Star Parkway – Montgomery- Closing October 16, 2017 County operated and managed debris removal will be discontinued on October 16, 2017. If you still have debris make sure it is out for pick up before that date. Contact the Office of Homeland Security and Emergency Management 936-523-3916 to report that you have debris in the right of way.  Remember to separate your debris and place in the county right-of-way, Do Not Bag Debris:   Normal household trash- to be picked up by your service provider. Any household trash may be bagged or put out in the restrictions per…


MOSQUITO SPRAYING COMPLETE 9.22.17

  For Immediate Release – September 22, 2017 The Department of Defense was able to finish spraying Montgomery County last night. As of now there will be no more aerial spraying. Thank you for your patience and cooperation.   Continue to monitor www.mctxoem.org for updates on Hurricane Harvey ###  MOSQUITO SPRAYING COMPLETE 9.22.17 For Immediate Release – September 22, 2017 The Department of Defense was able to finish spraying Montgomery County last night. As of now there will be no more aerial spraying. Thank you for your patience and cooperation.   Continue to monitor www.mctxoem.org for updates on Hurricane Harvey ###


La Pulverización De Mosquitos Se Extenderá 9.21.17

LA PULVERIZACIÓN DE MOSQUITOS SE EXTENDERÁ Para Publicación Inmediatamente – 21 de septiembre Del 2017 El Departamento de Defensa no pudo pulverizar la última noche por los condiciones de la clima. Si el clima nos permite, ellos van a terminar la pulverización aérea hoy en la noche. Nosotros informaremos el público cuando terminen de pulverizar. Si tiene receptores sensibles, es decir, abejas, mascotas y jardines orgánicos, continúan supervisando nuestro sitio web para las últimas noticias www.mctxoem.org. ###