WHAT HAPPENS WHEN NFIP SANCTIONS ARE LIFTED
[https://www.fema.gov/fact-sheet/what-happens-when-nfip-sanctions-are-lifted]


Release Date: 
9月 17, 2021 

HUMPHREYS COUNTY DECIDED TO PARTICIPATE IN THE NATIONAL FLOOD
INSURANCE PROGRAM after the severe storms and flooding that occurred
on Aug. 21, which will soon make many previously ineligible residents
eligible for federal assistance.

 	* BECAUSE THEY HAD NOT PARTICIPATED FOR SEVERAL YEARS AFTER
UNINCORPORATED AREAS WERE DETERMINED TO BE IN SPECIAL FLOOD HAZARD
AREAS, THEY WERE “SANCTIONED” BY NFIP, which meant they weren’t
eligible for _SOME_ FEMA assistance, such as repair and rebuilding
grants and Hazard Mitigation Grants.

	* NOW THAT HUMPHREYS COUNTY VOTED TO PARTICIPATE, THERE ARE SEVERAL
STEPS IN THE APPROVAL PROCESS: 

 	* Humphreys County Board completes the enrollment package and
officially and legally adopts the ordinance and resolution of intent.
(Humphreys did this on Sept. 13, 2021).
 	* State reviews the enrollment package and sends it to FEMA Region
IV.
 	* FEMA Region IV reviews enrollment package and sends to HQ.
 	* FEMA HQ reviews enrollment package and approves it.

	* THIS PROCESS COULD TAKE UP TO 10 BUSINESS DAYS. Once FEMA HQ
approves, Humphreys County will be in the NFIP program and residents
may be eligible for: 

 	* Repair and rebuilding grants for damaged properties:
 	* Low interest disaster loans from the U.S. Small Business
Administration.

 	* LOCAL GOVERNMENTS AND CERTAIN NONPROFITS WILL ALSO BE ELIGIBLE TO
APPLY TO THE HAZARD MITIGATION GRANT PROGRAM, which may include
acquisition of flooded properties and new construction to lesson
damage from future disasters.
 	* ELIGIBLE RESIDENTS WILL RECEIVE FEMA ASSISTANCE RETROACTIVELY as
long as they have registered with FEMA by THE OCTOBER 25 DEADLINE.
 	* FEMA INDIVIDUAL ASSISTANCE SPECIALISTS WILL BE CALLING THOSE
RESIDENTS WHO HAD APPLIED PREVIOUSLY and were deemed ineligible to let
them know they may be able to receive disaster aid.
 	* HOUSTON COUNTY, WHICH HAS BEEN SANCTIONED SINCE 1978, IS
CONSIDERING JOINING the NFIP.
 	* THE FOLLOWING COMMUNITIES ARE UNAFFECTED BY SANCTIONS – EITHER
BECAUSE THEY ARE NOT LOCATED IN A SPECIAL FLOOD HAZARD AREA OR BECAUSE
THEY HAVE ALREADY JOINED NFIP – are:  Erin and Tennessee Ridge in
Houston County and McEwen, New Johnsonville and Waverly in Humphreys
County.
 	* PARTICIPATING IN THE NFIP AND PURCHASING INSURANCE CAN SAVE
THOUSANDS OF DOLLARS. An inch of floodwater per 1,000 square feet can
cost about $10,000 to repair. Yet, most private insurance companies do
not cover flood damage.
 	* BY LAW, SANCTIONED COMMUNITIES CANNOT RECEIVE FEDERAL DISASTER
MONEY FOR ANYTHING THAT WOULD NORMALLY HAVE BEEN COVERED BY INSURANCE.

For information on flood risks in your area, visit FEMA Flood Map
Service Center. [https://msc.fema.gov/portal/home] For info on flood
insurance policies or find an agent, visit Floodsmart
[https://www.floodsmart.gov/] or call 800-427-4661. For more
information on Tennessee’s disaster recovery, visit
www.tn.gov/tema.html [https://www.tn.gov/tema.html] and
www.fema.gov/disaster/4609 [http://www.fema.gov/disaster/4609]. You
may also follow FEMA on www.facebook.com/fema
[http://www.facebook.com/fema] and Twitter @FEMARegion4
[https://twitter.com/femaregion4]