Looking for Federal Funds for LA

As I noted in an earlier posting, serious problems will surface in LA when the reality of no  insurance for many of the estimated 60,000 homes damaged is fully realized.

See: Louisiana residents without flood insurance face uncertainty.  Some details:

In Louisiana, an estimated 42 percent of homes in high-risk areas have flood insurance, according to FEMA. Only 12.5 percent of homeowners in low and moderate-risk zones do.

Many of the areas hit hard by record rainfall last week were not considered at high risk for flooding.

Those residents without flood insurance are eligible for up to $33,000 in FEMA individual disaster assistance funds, although most will likely receive less than that, based on payments following other major disasters.

After Hurricane Katrina in 2005, FEMA paid $6.6 billion to approximately 1.07 million households and individuals in Louisiana, Mississippi and Alabama, an average of just over $6,000 per grant, according to agency figures. Superstorm Sandy in 2012 produced an average payout of under $8,000 for about 180,000 residents of New York and New Jersey.

 NOTE: See comments from Ed Thomas, President of Natural Hazards Mitigation Association.

1 thought on “Looking for Federal Funds for LA

  1. As we consider the awful impact of suffering an uninsured loss, we need to keep a few thoughts in mind, I think:

    1. There is a vast, unwieldy but costly and well-intentioned system of disaster relief available to those who are afflicted by a Presidentially Declared Disaster. So far as I am aware the best description of that system of relief is available I publications from the Natural Hazard Mitigation Association:

    A Living Mosaic and

    Disaster Risk Reduction Ambassador Curriculum.

    A Living Mosaic updates the venerable but outdated Patchwork Quilt white Paper.
    Both publications were developed in part with FEMA funds, and a huge amount of volunteer time. They are available free of charge at:

    NHMA is working with working with French Wetmore & Associates and the Louisiana Floodplain managers to spread the word on the NHMA 9-Step process for a safer better recovery. That process is described at:

    Using available resources in a smart way can make for a smoother, better recovery.

    2. It appears that a huge number of folks both inside the FEMA designated Special Flood Hazard Area, and outside that area in places shown on FEMA maps a flood prone, but subject to a lower chance of flooding do not have flood insurance. That is a true tragedy for them and for the Nation.
    There are ways to deal with such situations:
    a) at one time FEMA prepared and forwarded reports to the appropriate federal instrumentalities which make, insure regulate or supervise lenders or loans Reports on apparent lender non-compliance with the Flood Disaster Protection Act. Such reports produced a wave of lender compliance so great that the President did not feel it necessary to provide Individual Assistance for the Hurricane Bob disaster in 1990. Reviving this practice would be a great idea.

    Taking an uninsured loss is horrible. Another way to avoid this would be to follow the concept advocated by the American Bar Association in 2009 of developing a national program of catastrophe insurance made affordable by, among other things, stronger codes and ordinances. Yet another way to promote avoidance of uninsured losses would be the one advocated in an excellent article which appeared in the Tampa Bay Times two days ago. The Article suggested making flood insurance part of a homeowners policy. Such an approach both lowers premiums by spreading risk and ensures that the many folks outside the SFHA who have a false sense of security based on common misunderstanding concerning FEMA maps will have flood coverage. The article is available at:

    One article which includes a discussion of the limitations and misunderstandings of what Flood Insurance maps show is:
    A THREE-LEGGED STOOL ON TWO LEGS: FEDERAL LAW RELATED TO LOCAL CLIMATE RESILIENCE PLANNING AND ZONING, by Sarah J. Adams-Schoen and Edward A. Thomas, peer reviewed article in American Bar association publication The Urban Lawyer, 47 URB. LAW. 3 (2015). Located at: http://nhma.info/wp-content/uploads/2016/02/UL-47-3_08Adams-Schoen-Thomas.pdf

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