Transcript Slide 1

A Review of Federal Funding Disaster Relief
for those affected by Super Storm Sandy
Monmouth County Division of Planning
Overlap in Funding Eligibility
1 - Individual
Assistance
3 - Increased Cost
of Compliance
2 - National Flood
Insurance Program
4 - Small Business
Administration
Loans (SBA)
5 - Hazard Mitigation
7 - Other
Federally-funded Programs
(e.g. USDA, HHS,
DOL, VA, SSA, USACE)
6 - Community
Development Block Grant
– Disaster Recovery
(CDBG-DR) (HUD)
8 – Public Assistance
Disaster Relief Matrix - Individual
Individual Property Owner/Homeowner/Renter
Secondary Home or
Vacation Property
Primary Residence
In a Presidentially-declared
Disaster Area
In a Presidentially-declared
Disaster Area
YES
Secondary homes & vacation
properties do not qualify for
Federal Disaster Relief Aid
Register with FEMA
YES
May qualify
for IHP grant
program,
other FEMA
disaster
assistance &
to receive
access to
other Federal
Assistance
program
NO
Other sources for
compensation
must be used to
replace or repair
damaged building
and personal
property including
insurance policies
dependent upon
qualifications &
limitations , any
available private
funding sources,
personal funds,
etc.
YES
Primary Residences do qualify for
Federal Disaster Relief Aid
See below for available programs
NO
Federal Disaster Relief
Aid Not Applicable
Maintain Standard Flood
Insurance Policy (SFIP)
YES
File claim
with your
insurance
company for
settlement
Register with SBA
NO
All costs
come out
of pocket
ICC
May qualify for the
program if home is
found more than 50%
substantially damaged
Will be required to
get SFIP if FEMA
IHP grant is
accepted
Approved
Loan
money
becomes
available for
disaster related
improvements
YES
NO
May not
qualify for
more
funding
Not
Approved
Sent back
to FEMA for
review of
applicable
grant
funding
Register with local
government / community
Hazard Mitigation
Assistance Program
YES
May be able to
obtain grant
funding for
elevation,
demolition or
acquisition
NO
Mitigation
projects
handled
privately
Failure to apply for SBA
Assistance could disqualify
you from receiving CDBG-DR
funding
NO
Federal Disaster Relief
Aid Not Applicable
Register with agency
distributing CDBG-DR
funds
YES
May be
able to
obtain
grant
funding for
repair, rehabilitation
relocation,
acquisition
& other
eligible
projects
NO
Repair, rehabilitation
relocation,
acquisition
& other
eligible
projects
will be
handled
privately
Non-Profit
Organizations
YES
Able to
take
advantage
of a
valuable
resource
that may
be able to
help with
your
disaster
recovery
unmet
needs
NO
Missing
out on a
valuable
resource
to help
you with
your
disaster
recovery
unmet
needs
Example of Available Assistance for a Homeowner
Homeowner who has a Mortgage w/ NFIP
Market Value of Primary Residence $425,000
Building Damage $300,000
Individual &
Household
Program
SFIP
Based on
policy limits
Up to
$250,000
$Up to
$31,000
ICC - If 50%
substantially
damaged - Up
to $30,000
SBA Loans
Personal Property Damage $75,000
Other
Assistance
Repair or
Replace primary
residence - Up
to $200,000
Plus the lesser
of the cost of
the mitigation
project or 20%
of the total
approved loan
up to $200,000
Individual &
Household
Program
Hazard
Mitigation
Assistance
Based on
eligibility &
availability
$Up to
$31,000
SFIP
Based on
policy limits
SBA Loans
Up to
$100,000
(paid out
separately,
not affected
by ICC)
CDBG-DR
Based on
eligibility &
availability
Same funding
Eligibility and available funding for HMA & CDBG-DR programs are based on a
number of factors including approved hazard mitigation plans, project eligibility criteria
attached to the program and the amount of funding available.
Long Term Recovery
Groups
Non-Profit /Relief
Organizations
Other
Assistance
Repair or
Replace
Personal
Items - Up
to $40,000
Connections between Federal Funding Options
Temporary
Housing
Other
Needs &
Expenses
/
Personal
Property
2-NFIP/
SFIP
Insurance
Programs
Building
Property
Coverage
Personal
Property
Coverage
Repairs/
Replacement
/
Rehabilitatio
n
1-Individual
Assistance
Grant
Individual &
Households
3-Increased
Cost of
Compliance
4-SBA
Loans
Home & Personal
Property
Business Physical
Disaster
Economic Injury
Mil. Res. E.I.
House Elevation
House Relocation
House Demolition
Floodproofing
(non-residential or
approved resident.
exception)
Can be
used as
nonFederal
match
funds
Economic
Revitalizatio
n
8-Public
Assistance
Grant (406)
6-CDBG-DR
Hazard
Mitigatio
n
Projects
State &
Local
Government
& Nonprofit
Orgs
Debris Removal
Emergency Protective
Measures
Roads & Bridges
Water Control Facilities
Buildings & Equipment
Utilities
Parks, Rec. Fac, & Other
Fac.
7-Other
Federallyfunded
Projects
5-Hazard
Mitigation
Grant (404)
Hazard
Mitigation
Planning
Acquisition
s
Administrative
/
Management
Costs
1-Individual & Household Assistance Program Eligibility

Eligible Participant
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You are located in a federally declared disaster
area.
You have filed your insurance claim or your property
is not covered by insurance
It is your primary residence, where you live most of
the year
You are not able to live in your home
Your or someone you live with is a US citizen, noncitizen national or qualified alien
Eligible Costs/Uses – to help with critical expenses
that cannot be covered in other ways
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Ineligible Participant

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The home is not a primary residence (i.e. it is a

second home or vacation home)
You have refused assistance from your insurance
provider
Your losses are business–related
Your expense resulted from precautionary
evacuation activities – you were able to return home
immediately after the incident
You have adequate rent-free housing that you can
use

The damaged home is located in a community that
does not participate in the NFIP – in this case the
flood damage would not be covered, however you
may qualify for rental assistance or other needs not
covered by flood insurance (all Monmouth Co. towns
participate except for Shrewsbury Twp.)
Temporary Housing (e.g. rental assistance or
government provided housing unit)
Repair damages not covered by insurance & to
make the damaged home safe, sanitary &
functional.
To help homeowner with the cost of replacing their
destroyed home
Other Need for necessary & serious expenses (e.g.
medical, dental, funeral, personal property,
transportation, moving/storage)
Limitations

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
IHP will not cover all of your losses from damage to
your property.
IHP is not intended to restore your damaged
property to pre-disaster condition – it is to return to a
functional structure.
By law, IHP cannot provide you for losses that are
covered by your insurance.
IHP does not cover business-related losses
Appeals

You may appeal any decision (e.g. eligibility, amount
or type of aid provided late applications, request to
return money or questions regarding continuing
help) postmarked within 60 days of FEMA decision
letter date.
1-Individual & Household Assistance Program Eligibility
 Key Notes
 If you do not use the money as explained
by FEMA, you may not be eligible for any
additional help & may have to give the
money back
 Disaster help is usually limited to up to 18
months from the date of the Presidentiallydeclared disaster
 This is a grant which does not have to be
repaid pending proper use of funds
 The funds are tax-free
 The funds are not counted as income or a
resource for determining eligibility for
welfare, income assistance or incometested benefit programs funded by the
Federal government
 The funds may not be reassigned or
transferred to another person
 You must keep receipts or bills for 3
years to demonstrate how all of the
money was used in meeting your
disaster-related need
 IHP and Flood Insurance
 If your insurance claim is delayed 30+ days
from the time you filed, FEMA may find you
eligible to award you funds as an advance
which would be paid back upon receiving
your insurance settlement
 If your maximum insurance settlement is
insufficient to meet your disaster-related
needs & you still have unmet disasterrelated needs – you may write FEMA and
request additional assistance
 If you have exhausted your insurance
settlement’s maximum Additional Living
Expenses (ALE) & you still have unmet
disaster-related needs – you may write to
FEMA and request additional assistance
 The FEMA Helpline is available to help you
locate an available rental resources in the
disaster area. 1-800-621-FEMA
 Online housing resources:
 FEMA Housing Portal
 New Jersey Housing Resource Center
 Socialserve.com
2 - National Flood Insurance Program (NFIP)

Eligible Participants
 All owners of eligible property (a building and/or
its contents) located in a community participating
in the NFIP
 Standard Dwelling (Single Family House)
 General Property (5 or more family
residential building & non-residential
buildings)
 Residential Condominium Building
Association
 Owners and Renters

Standard Flood Insurance Policies (SFIP)
 1-year term
 2 types of Coverage
 Building Property
 Personal Property
 Ten percent of a dwelling’s building coverage
may be applied to a detached garage.
 Residential detached garages used, or held in
use, for residential business or farming are not
covered under the dwelling policy. These
detached garages and other accessory
structures must be insured under a separate
policy.
 Key Notes
 The National Flood Insurance Reform
act of 1994 requires individual in
Special Flood Hazard Zones (SFHZ)
who receive disaster assistance for
losses to real or personal property to
purchase & maintain flood insurance
coverage for as long as the live in the
dwelling
 Identify the flood zone the structure is
located in using Flood Rate Insurance
Maps (FIRM)
 Find out if your community participates
in the NFIP
 To determine if your property is in a
SFHZ visit your local community
planning or building permit department.
Digital maps can be views on FEMA’s
Region 2 website or FEMA’s Map
Information Exchange.
2 - National Flood Insurance Program (NFIP)

Coverage Limitations of Standard Flood
Insurance Policies (SFIP)
 Insurable
 Any building with 2 or more outside
rigid walls & fully secured roof affixed
to a permanent site. Must resist
flotation, collapse & lateral movement.
Must be located in a community that
participates in the NFIP
 Items such as artwork, collectibles,
jewelry & similar articles are limited to
$2,500 of the total coverage limits
 Uninsurable
 Buildings entirely over water or
principally below ground, gas & liquid
storage tanks, animals, birds, fish,
aircraft, wharves, piers, bulkheads,
growing corps, shrubbery, land,
livestock, roads, machinery or
equipment in the open & most motor
vehicles

Basements – coverage is available for certain
mechanical equipment necessary for the habitability of
a building. Finished elements are not covered.
 Important Facts about Standard Flood
Insurance Policies (SFIP)
 Contents coverage must be purchased
separately
 It is not a valued policy – flood
insurance plays the actual cash value
(ACV) or replacement cost of actual
damages up to the policy limit
 It is not a guaranteed replacement cost
policy – it does not pay more than the
policy limit regardless of the limit or
liability
 For a complete list of coverages refer to
any SFIP form, Section 3, Property
Covered, Part A. Building Property – 8.a.
(1) - (17) and b., for building items covered.
For Personal Property, refer to Section 3,.
Property Covered, Part B. Personal
Property – 4. a., b., & c.
3 - Increased Cost of Compliance (ICC)
 Eligible Participants

SFIP Policyholders who’s insured building meets
1 of 2 conditions:
 1) Determined to be substantially
damaged (damage exceeds more than
50% of the value of the building prior to
damage occurring);
 2) Meets the criteria of a repetitive
loss structure
 Eligible Costs/Uses
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ICC coverage only applies to flood-related damage
Helps pay toward the cost to elevate, floodproof
(non-residential only), demolish or relocate the
building
Basements can be floodproofed using ICC
payments ONLY if the building is located in a
community approved for residential basement
exceptions by FEMA
FEMA allows NFIP policyholders to assign their
ICC claim benefits to the community when they
are participating in a FEMA-funded mitigation
program. Coordination must be done through
the community and the property owner. The ICC
payment can be used to match a FEMA
mitigation grant to cover the remaining costs.
 Limitations


The $30,000 maximum amount collected through
ICC is in addition to the amount the policy holder
receive for physical damages by flood.
The total amount the policyholder receives for
combined structural damage & ICC is always
capped by the maximum limit of coverage
established by Congress
 Key Notes
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
Helps pay for the cost to comply with state or
community floodplain management laws or
ordinances from a flood even in which a building has
been declared substantially damaged or repetitively
damaged
ICC coverage is included in all Standard Flood
Insurance Policies, however not all buildings are
eligible (i.e. substantially damaged declaration). ICC
is Coverage D in every SFIP.
ICC is only available for accessory buildings only
when a separate flood insurance policy is written on
that building (i.e. detached garage)
ICC does not extend to other remodeling or
construction improvements that are not required to
meet minimum floodplain management
requirements
2 & 3 - Maximum Limits of Coverage for Flood Insurance Direct
Loss Payments and ICC
Building Type
Residential
($250,000)
Non Residential
($500,000)
Residential
Condominium
($250,000 x # of units)
Up to $30,000
Up to $30,000
Up to $30,000
SFIP
(Building Property)
Up to $250,000
Up to $250,000
Up to $250,000
SFIP
(Personal Property)
Up to $100,000
Up to $100,000
Up to $100,000
Program
ICC
(Must be determined
substantially damaged)
*Detached garages may be valued up to 10% of Building Property coverage; Other detached building must have own
SFIP.
The maximum amount collectible under the SFIP for both the ICC payment and the direct loss payment
(building claim) for flood cannot be greater than the maximum limits of coverage for that class of buildings
authorized under the National Flood Insurance Act of 1968, as amended. Having an ICC claim does not
4 - Small Business Administration (SBA) Loans
 Eligible Participants
 SBA LOANS ARE NOT JUST FOR
BUSINESSES or BUSINESS OWNERS
 SBA provides loans to homeowners,
renters, businesses and most private, nonprofit organizations to repair or replace real
estate, personal property, equipment and
business assets that have been damaged
in a disaster.
 Individuals with reasonable assurance that
he or she can repay the loan out of
personal or business cash flow, and must
have satisfactory credit & character

Immediate Disaster Assistance Program (IDAP)
 Available for small business that have suffered
physical damage or economic injury due to a
declared disaster.
 This is an interim loan not to exceed $25,000 to
meet immediate business needs while long-term
financing is from a disaster loan is pending with
SBA
 Other eligibility requirements apply per SBA
policies

Types of Disaster Loans
 Home & Personal Property Loans
 Up to $40,000 for personal items
 Up to $200,000 for repair/replacement of
primary residence
 Business Physical Disaster Loans
 Up to $2Million to repair or replace
damaged real estate, equipment, inventory
& fixtures
 Economic Injury Disaster Loans
 Up to $2Million to meet necessary financial
obligations
 Military Reservists Economic Injury Loan
 Up to $2Million to provide needed working
capital to a small business if an essential
employee is called up to active duty
 Homeowner Association Unit Owner
 Up to $40,000 for personal items
 Up to $200,000 for repair/replacement of
primary residence
 HOAs, PUD, Co-ops, condominium & other
common interest developments
 Up to $2Million to repair or replace disasterdamaged common elements not fully covered by
insurance or other disaster recoveries
4 - Small Business Administration (SBA) Loans
 MOST DISASTER AID FROM THE
FEDERAL GOVERNMENT IS IN THE FORM
OF LOANS FROM THE SMALL BUSINESS
ADMINISTRATION (SBA)

Key Points
 Under the Flood Disaster Protection Act of 1973 – a
loan recipient must obtain flood insurance if the
proceeds of SBA financial assistance are used for
property located in a special flood hazard area.
This also applies to the business loan program
regarding inventory, etc. contained in the building
located in the special flood hazard zone.
 In general SBA will not require collateral to secure
a disaster home loan or physical disaster business
loan of less than $14,000 or an economic injury
loan of $5,000 or less. Even if you do not have the
collateral, you will not be declined as long as the
SBA is reasonably sure you can repay your loan
 Misuse of SBA funds may result in criminal, civil or
administrative action.

Loan Use Restrictions
 Restore or replace your primary home & your
personal or business property as nearly as possible
to their pre-disaster condition, & within certain
limits, to protect damaged or destroyed real
property from possible future similar disasters
 Secondary homes or vacation properties are not
eligible for these loans
 SBA cannot cover agriculture losses – contact
USDA for recovery assistance
 ELIGIBILITY FOR OTHER DISASTER
RELIEF FUNDS MAY BE AFFECTED IF
YOU DO NOT FILL OUT AN APPLICATION
FOR AN SBA LOAN
 SBA loans can be used as non-federal
matching cost share for hazard mitigation
projects that individuals collaborate with local
community on
 Applying for a SBA loan does not require you
to accept the funds, however not accepting
the funds that you are eligible for may have
an affect on other disaster relief funding
 DO NOT miss the filing deadline by waiting for
an insurance settlement
4 - Small Business Administration (SBA) Loan Categories
Home & Personal
Property Loans
Business Physical
Disaster Loans
Economic Injury Disaster
Loan
Military Reservist
Economic Injury Loan
Must be located in a declared disaster
area & a victim of a disaster. You
don’t have to own a business. Nonprimary properties are not eligible.
Can be a renter or homeowner
Business or NPO located in a
declared disaster area & incurred
damage during the disaster.
Business or NPO located in a
declared disaster area & incurred
damage during the disaster.
Provides funds to an eligible small
business to meet operating expenses
because essential employee was
called to active military duty.
Repair or replacement of primary
residence to pre-disaster condition.
Repair or replace personal property (i.e.
clothing furniture, cars, appliances, etc.).
Upgrades are not covered unless
required by local building codes.
Repair or replacement of real
property, machinery, equipment,
fixtures, inventory, leasehold
improvements to pre-disaster
condition. Upgrades are not covered
unless required by local building
codes.
Meet necessary financial obligationsexpenses the business would have
paid if the disaster had not occurred.
Not for refinancing long term debts or
provide capital need prior to disaster.
Does not replace sales or lost profits.
Provide working capital needed until
essential employee is released from
active duty. Lost income or profits are
not covered. Not to be used in place
of regular debt, refinance long-term
debt or expand business.
Credit/Collateral/Insurance
Physical loss loans over $14K must be
secured
Credit/Collateral /Insurance
Physical loss loans over $14K must be
secured
Credit/Collateral /Insurance
All EIDL loans over $5K must be
secured
Interest Rate: Unable to obtain credit
elsewhere -rate will not exceed 4%.
Able to obtain credit elsewhere rate
will not exceed 8%.
Interest Rate: Unable to obtain credit
elsewhere -rate will not exceed 4%.
Able to obtain credit elsewhere rate
will not exceed 8%.
Interest Rate: Unable to obtain credit
elsewhere -rate will not exceed 4%.
Able to obtain credit elsewhere rate
will not exceed 8%.
Loan Terms & Amount Limits: Up to
$40K for personal property; Up to
$200K to repair residence. Terms: up
to 30 yrs; determined case-by-case.
Loan Terms & Amount Limits: Up to
$2M. Repayment can be up to 30
years.
Loan Terms & Amount Limits: Up to
$2M. Repayment can be up to 30
years.
Credit/Collateral /Insurance
All MREIDL loans over $50K must be
secured with reasonable assurance
that a MREIDL will be repaid. Loans
over $50K must have proper
insurance
Interest Rate: 4%
Loan Terms & Amount Limits: Up to
$2M, though if a major source of
employment SBA can waive limit..
5 – Hazard Mitigation Assistance Programs
(Stafford Act Section 404 mitigation projects)

Eligible Applicant (Grantee)


Eligible Subapplicant (Subgrantee)




State Agencies
Local government/communities
Private Non-Profit organizations (PNPs) – only
eligible for HMGP funds
Programs






Emergency management agency or a similar office
Hazard Mitigation Grant Program (HMGP)
Pre-Disaster Mitigation (PDM)
Flood Mitigation (FMA)
Repetitive Flood Claim (RFC)
Severe Repetitive Loss (SRL)
Eligible Costs/Uses
 Used to provide protection to the undamaged
parts of a facility (Section 404)

Cost Sharing program
 Generally a 75% Federal funds/ 25% non-federal
matching funds
 3 Major Categories
 Mitigation Projects
 Hazard Mitigation Planning
 Management Costs

Limitations
 Individuals may not apply on directly to FEMA for
this type of funding, however individuals may
partner up with their local government to
participate in a hazard mitigation program, if
available.
 There are certain activities that are NOT eligible
for HMA funds as stand along projects but are
eligible when included as a functional component
of eligible mitigation activities such as:
 Real property or easement purchase required
for completion of a project;
 Studies integral to the development &
implementation of a mitigation project (e.g.
hydrologic, hydraulic, engineering, drainage).
 Cost Sharing
 There are federal funds that ARE allowed to
be used as non-federal cost share which
include:




1) ICC payments
2) SBA loans
3) CDBG-DR grants
4) USDA farm service agency loan
5- Hazard Mitigation Assistance
Temporar
y
Repairs/
Replacemen
t
Housing
Other
Needs &
Expense
s
SFIP
Insurance
Claims
Building
Propert
y
Person
al
Propert
y
*Although individual homeowners and businesses may not
apply directly to the Hazard Mitigation Grant Program, a
community may apply on their behalf. Check with your
municipality about sponsoring an application.
Individual
Assistance
Grant
Individual &
Household
Disaster
Relief
SBA
Loans*
Economi
c Injury
ICC
Grant (50%
substantial
damage)
Home &
Personal
Property
Busines
s
Physical
Disaster
Can be
used as
nonFederal
match
funds
State/Local
Government
Hazard
Mitigatio
n Grant
Program
CDBGDR
* In addition to the approved loan, assistance can be increased by the lesser of the cost of the
mitigation measure or up to 20% of the total amount of disaster damage up to $200,000.
5 - Hazard Mitigation Funding available to help
homeowners implement flood retrofitting projects
Projects fall into 3 basic categories: 1) Mitigation Projects, 2)Hazard Mitigation Planning & 3) Administrative Costs
Hazard Mitigation Pre-Disaster
Grant Program
Mitigation
Flood
Mitigation
Assistance
Repetitive
Flood
Claims
Severe
Repetitive
Loss
5 - FEMA Hazard Mitigation Assistance Programs
(Stafford Act Section 404 mitigation projects)
Hazard Mitigation Grant
Program (HMGP)
Pre-Disaster Mitigation
(PDM)
Ensure that the
opportunity to take
critical mitigation
measures to reduce the
risk of loss of life &
property from future
disasters is not lost
during the reconstruction
process following a
disaster.
Implement a sustained
pre-disaster natural
hazard mitigation
program to reduce
overall risk to the
population & structures
from future hazard
events
Reduce or eliminating
claims under the National
Flood Insurance Program
(NFIP).
Mitigations Projects
Hazard Mitigation Planning
Management Costs
Mitigations Projects
Hazard Mitigation Planning
Management Costs
Allocation is a sliding scale
based on percentage of
estimated total Federal
assistance under the Stafford
Act excluding admin costs
Allocation based on
consistency with applicable
laws. FEMA will administer
the program as directed by
Congress. Grants are
competed for on a national
level
Flood Mitigation
Assistance (FMA)
Repetitive Flood Claims
(RFC)
Severe Repetitive Loss
(SRL)
Reduce flood damages
to individual properties
for which one or more
claim payments for
losses have been made
under flood insurance
coverage
Reduce flood damages
to residential properties
that have experienced
severe repetitive losses
under flood insurance
coverage
Mitigations Projects
Hazard Mitigation Planning
Management Costs
Mitigations Projects
Management Costs
Mitigations Projects
Management Costs
Allocation is based on the total
number of NFIP insurance
policies & total number or
repetitive loss properties
FEMA will rank eligible
mitigation project
subapplications on the basis of
the greatest saving to the NFIP
Allocation of funds based on
the national percentage of
severe repetitive loss
properties present within their
jurisdiction
5 - FEMA Hazard Mitigation Cost Share Requirements
Programs
Mitigation Activity
(% Federal/Non-Federal Share)
Management Costs
(% Federal/Non-Federal Share)
Grantee
Subgrantee
HMGP (Hazard Mitigation Grant
Prog.)
75/25
100/0*
-/-**
PDM (Pre-Disaster Mitigation)
75/25
75/25
75/25
90/10
75/25
90/10
75/25
75/25
75/25
90/10
90/10
90/10
RFC (Repetitive Flood Claims)
100/0
100/0
100/0
SRL (Severe Repetitive Loss)
75/25
75/25
75/25
90/10
90/10
90/10
PDM- subgrantee is a small
impoverished community
FMA (Flood Mitigation Assistance)
FMA – severe repetitive loss property
w/ Repetitive Loss Strategy
SRL – with Repetitive Loss Strategy
*Because available HMGP management costs are calculated as a percentage of the Federal funds provided, the non-Federal share is already
accounted for. **Subapplicants should consult their State Hazard Mitigation Officer (SHMO) for the amount or percentage of HMGP subgrantee
management cost funding their State has determined to be passed through to subgrantees.
6 – Community Development Block Grant – Disaster Relief (CDBG-DR)

Eligible Grantee



Funds must be used for: “…necessary expenses
related to disaster relief, long-term recovery &
restoration of infrastructure, housing & economic
revitalization…”
Each Activity must:
 Address a disaster-related impact (direct or indirect)
in a Presidentially-declared county for the covered
disaster
 Be a CDBG eligible activity (according to regulations
and waivers)
 Meet a National Objective



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1. Benefit persons of low & moderate income,
2. aid in the prevention or elimination of slums or
blight
3. or meet other urgent community development
needs because existing conditions pose a serious &
immediate threat to the health & welfare of the
community where other financial resources are not
available.
Funds can be used as the non-federal match for
FEMA Public Assistance Projects, FEMA Hazard
Mitigation Grant Program & USACE projects where
not all funding has been fully appropriated to USACE
or requires USACE to pay for the entire project.
Limitations

States/local governments located in Presidentiallydeclared disaster areas. These communities must
have significant unmet recovery needs and the
capacity to carry out a disaster recovery program
Activities




Funds must supplement, NOT REPLACE, other
sources of federal disaster recovery assistance.
Non-competitive, non-recurring Disaster Recover
grants that consider unmet needs by other Federal
Disaster assistance programs
Examples of Eligible Costs/Uses










Rebuild homes & infrastructure (i.e. [emergency]
reconstruction of essential water, sewer, electrical
and telephone facilities) damaged by the disaster
Provide assistance to affected business owners (i.e.
retain/create jobs)
Residential or commercial property buyouts/Buying
damaged properties in a flood plain & relocating
residents to safer areas
Floodplain mapping & landuse planning
Elevating, floodproofing, outfitting with roof straps,
storm shutters, stronger materials
Debris removal not covered by FEMA
Code enforcement
homeownership activities such as down payment
assistance, interest rate subsidies & loan guarantees
for disaster victims;
Public services (generally limited to no more than 15
percent of the grant);
Planning & administration costs (limited to no more
than 20 percent of the grant)
7 – Other Federal Disaster Relief Assistance Program and Preparedness Information
 At DisasterAssistance.gov, there are
 Visit DisasterAssistance.gov to
over 70 forms of disaster assistance
take the Questionnaire and get a
from 17 Federal Agencies available.
personalized list of possible
Click the hyperlinks to certain relief
assistance, apply for assistance
programs:
or check your application status
 US Dept of Agriculture
 Prepare. Plan. Stay Informed.
 Visit Ready.gov (FEMA) or
ready.nj.gov (NJ Office of
Emergency Management)
 Visit the CDC for tips on
Emergency Preparedness and
Response
 USDA Food and Nutrition Service
 USDA Farm Service Agency
 USDA NRCS Emergency Watershed
Protection Program
 US Dept of Labor - Disaster Unemployment
Assistance
 US Dept of Health & Human Services
 Disaster Assistance for Older Americans
 Disaster Distress
 US Treasury
 Disaster Assistance & Emergency Relief
Program (tax counseling & assistance)
 Savings Bond Redemption & Replacement
8 – Public Assistance Programs
(Stafford Act Section 406 mitigation projects)





4 Building Blocks of Eligibility - Applicant, Facility, Work, & Cost
Applicants
 Grantee is typically the State
 Subgrantees: State agency, local government, American/Native
American Indian Tribes, Certain Private Nonprofit organizations
or other legal entity to which public assistance funds are
awarded.
Facilities
 Public : Roads (non Federal), Sewage Treatment Plants, Airports,
Irrigation Channels, Schools Buildings Bridges & Culverts Utilities
 Private non-profit Facilities: Educational facilities, Gas, water &
power systems, Emergency facilities, Medical facilities, Custodial
car facilities, Other essential government services
Work must fit into 1 of the 7 categories defined as Public Assistance
 Emergency Work
 Category A: Debris Removal
 Category B: Emergency Protective Measures
 Permanent Work
 Category C: Roads & Bridges
 Category D: Water Control Facilities
 Category E: Buildings & Equipment
 Category F: Utilities
 Category G: Parks, Recreational Facilities & Other
Facilities
Cost
 Reasonable costs can be established through historical
documentation of similar work, average costs of similar work in
the area, published unit costs from national cost estimating
database or FEMA cost codes
 50% Rule: If the repair cost divided by the replacement cost is
less than0.5, then only the repair cost is eligible. If the repair cost
divided by the replacement cost is more than or equal to 0.5, then
the replacement cost is eligible.


Limitations
 This is a grant program and not simply a reimbursement
of funds
 Individual Private Property is not generally included in
this type of assistance.
 Debris on private property rarely meets the public
interest standard because it does not affect the
public-at-large & often is not the legal
responsibility of a State or local government.
Debris removal from private property is usually
the responsibility of the individual property owner.
 Demolition and removal of a private building or
structure may qualify if it poses an immediate
threat to the safety of the general public
 Damage that results from a cause other than the
designated event, such as a pre-disaster damaging
event, post-disaster damaging event, or work to correct
inadequacies that existed prior to the disaster, is not
eligible. Damage caused during the performance of
eligible work may be eligible
Restrictions
 Alternate use – restoration only to the extent necessary
to restore the immediate pre-disaster alternative
purpose
 Inactive – any facility not in active use at time of disaster
is in eligible unless applicant to demonstrate otherwise.
 Negligence
 Special consideration (i.e. insurance claims, Hazard
Mitigation, Historic Preservation, Environmental
Compliance)
Sandy Affected Residents
April 1, 2013 APPLICATION DEADLINE!!!
For FEMA and SBA Assistance
Not filling out an SBA loan application may affect your
eligibility for other Federal disaster relief programs

Register with FEMA – call 1-800-621-FEMA (3362)
*REMEMBER TO UPDATE YOUR CONTACT INFORMATION WITH FEMA AS NEEDED*

Register with SBA (Small Business Administration) in person @ a Disaster Recovery Center
http://asd.fema.gov/inter/locator/home.htm or online https://disasterloan.sba.gov/ela/
IF YOU QUALIFY, YOU DO NOT HAVE TO ACCEPT THE LOAN
Some Federal Agencies use SBA information to determine your
Community’s Disaster Needs
Sandy Affected Residents

FEMA’s New Jersey Hurricane Sandy Website
http://www.fema.gov/disaster/4086

Wide Array Of Disaster Help Available
http://www.fema.gov/disaster/4086/updates/wide-array-disaster-help-available

Hurricane Sandy Recovery Resource List
http://www.fema.gov/disaster/4086/updates/hurricane-sandy-recovery-resource-list

Hurricane Sandy Mitigation Resources
http://www.fema.gov/region-vi/hurricane-sandy-mitigation-resources

NJ Office of Emergency Management Sandy Recovery
http://www.ready.nj.gov/programs/sandy_recovery.html

Hurricane Sandy Advisory Base Flood Elevations (ABFEs)
in New Jersey and New York
http://www.region2coastal.com/sandy/abfe

“What is my Advisory Base Flood Elevation (ABFE)?” Interactive Mapping Tool
http://www.region2coastal.com/sandy/table
Presentation Sources



Robert T. Stafford Disaster Relief & Emergency Act as amended, and Related Authorities, FEMA
592, June 2007
Biggert-Waters Flood Insurance Reform Act of 2012, HR 4348-512
Code of Federal Regulations
 Title 44: Emergency Management & Assistance, Part 206 – Federal Disaster Assistance
 Title 44: Emergency Management & Assistance, Part 61 – Insurance Coverages & Assistance
 Title 13: Business Credit & Assistance, Parts 120 – Business Loans & 123 - Disaster Loan
Program

FEMA Public Assistance Guide, FEMA 322, June 2007, http://www.fema.gov/public-assistancepolicy-and-guidance/public-assistance-guide
 Public Assistance Applicant Handbook, FEMA P-323, 2010
 9500 Series Policy Publications, http://www.fema.gov/9500-series-policy-publications

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National Flood Insurance Program (NFIP) – Answers to Questions About the NFIP, FEMA F-084,
March 2011
NFIP, Increased Cost of Compliance Coverage – Guidance for State & Local Officials, FEMA 301,
September 2003
Hazard Mitigation Assistance Unified Guidance (HMGP, PDM, FMA, RFC, SRL), FEMA, June 1,
2010
Engineering Principles & Practices for Retrofitting Flood-Prone Residential Structures (3rd
Edition), FEMA P-259, January 2012
Hazard Mitigation Assistance (HMA) Tool for Identifying Duplication of Benefits, FEMA, October
2012