Lucy Bikers, a resident of Swannoa, who received assistance from FEMA after Hurricane Helen damaged her assets, is an indication in support of the government’s disaster agency as she waits on 24 January 2025 on the route to visit US President Donald Trump’s motorcycle, North Carolina, US, 24 January, 2025.
Jonathan Drake | Roots
Like the Trump administration goes down Federal emergency management agencyChange can be harder for home owners to overcome one Natural disasterexperts say.
This underlines a point insurance experts: FEMA provides assistance to states and individuals in the natural disaster declared by an association, but it is not to change you Home insurance policyAccording to Charles NYCE, a risk management and insurance professor at Florida State University.
NYCE said, “There are many different things that FEMA actually do well, but one of the things for which they are not designed is a replacement for insurance coverage for individuals.”
How to change FEMA
President Donald Trump said on 10 June Press briefing That he is planning “Start phasing [FEMA] Outside“After this year’s storm season, which extends from 1 June to 30 November.
Trump also said that the administration “will give less money” in disaster aid to the states and “give it directly from the President’s office”: “We are going to do it in a very different way.”
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DHS Secretary Christie Nom said in briefing, “In the next few months, we will work on reforms and the fame will be seen as a separate agency as a separate agency in the future as a separate agency.”
Asked about potential changes, a FEMA spokesman told CNBC that the agency is “laser -centric” and “protecting American people” at the disaster response to this storm season.
The Homeland Security Department proposed to cut $ 646 million from FEMA budget for the financial year 2026, According For the letter of May 1 from Management and Budget Office. In April, FEMA announces that it was termination A disaster prevention and mitigation grant program, a return of $ 882 million in funding to Treasury.
Such action “careless,” Sen Rafael Warneck, DGA. Wrote in June 5 Letter To noem.
The administration and DHS have “done randomly and irresponsible jobs to eliminate the country’s major disaster response agency without any practical alternative or direction,” he wrote.
It puts more an onos on citizens to get ready.
Charles NYCE
A risk management and insurance professor at Florida State University
Jeremy Porter, head of climate implications at the First Street Foundation, said, “FEMA is not able to work in the same way as it is in the past,” Jeremy Porter, head of climate implications at the First Street Foundation, said, a non -profit research organization, which focused on a climate risk.
He and other experts say that the proposed changes of the administration will be more responsible for the states and the municipalities to help them overcome natural disasters to come up with financial resources.
What kind of assistance makes FEMA
While FEMA provides Grant NYCE stated that to help the resources and municipalities recover from the disasters declared federally, the aid is designed as a supplement for something that is not covered by the insurance policy of your home owners, NYCE said.
NYCE said that the way the agency provides assistance to the owners of separate homes, it is giving small grants available for small damage. For example, money can be used to cover temporary housing for a day or week.
Average payment for personal aid grant through FEMA was $ 3,522 from 2010 to 2019, According For the 2024 report by Brookings Institution, a non-Pakistani think tank in Washington, DC
The agency also provides Disaster loan With low interest rates through the Small Business Association, which cover the damage incurred by insurance, grants or other resources. According to a feta release From the beginning of this month, interest rates may be reduced with 2.688%for home owners and tenants, 4%for businesses and 3.25%for non -profit organizations, with terms of up to 30 years.
Porter said, “They are actually designed for people in a way, so what their next steps are.
Typically, Fema will assist the emergency management agency of a state after a disaster, NYCE said. But now, the hope is that state will play a big role in disaster recovery.
“With the deduction at the federal level for disaster recovery, it is going to put a financial burden on states to enable recovery,” NYCE said.
‘More one on citizens to be ready’
Experts say it is uncertain that how much and what FEMA natural disaster assistance will be available for individuals after the agency goes through changes.
“It puts more an onos on citizens to get ready,” NYCE said.
There is a way to do so Look close On your home insurance coverage. See if you need to change your policy – you want to avoid getting short, or risk paying your insurer less than a full claim. You may also need additional coverage, such as Flood insurance,
Make sure that you have enough supply to face for yourself for a day or two, or three, or three, “NYCE said. Which includes dry food, battery, water and a radio. It is also smart Collect major financial documents To store in a safe place.
Additionally, if the officers of your area are advising the residents to take out in front of an disaster, you can consider doing so instead of trying to give shelter at home, he said.
“It can be more prudent to leave,” NYCE said.
