AUSTIN, Texas – Floods are the most frequent—and the most costly—natural disasters in the United States, and most homeowners insurance policies do not cover flood damage.  Without flood insurance, homeowners and renters could pay out of pocket or take loans to repair or replace their home or damaged contents.  But, the National Flood Insurance Program (NFIP) offers many Texans a sweetheart of a deal to help reduce the financial burden of these disasters through a Preferred Risk Policy. The Preferred Risk policies are available to homeowners who live in areas with a...

Official website of the Department of Homeland SecurityOriginal linkOriginal author: abigail.barrientez

AUSTIN, Texas – As Valentine’s Day approaches, you may be struggling to find that last minute gift for your sweetheart. Instead of rushing to the florist or making a last-minute reservation, give your Valentine the gift of preparedness by helping them build an emergency kit.  Nothing says “I love you,” like lifesaving supplies that can provide your Valentine with food, water, light and other essentials in the aftermath of a tornado, flood, hurricane or other natural disaster. For the cost of flowers and dinner, you can help your Valentine build a kit...

Official website of the Department of Homeland SecurityOriginal linkOriginal author: mary.j.edmon

AUSTIN, Texas — Hurricane Harvey survivors who are currently living in temporary housing units (THUs) provided by FEMA and the Texas General Land Office, and who wish to remain in their units past Feb. 25, 2019, will be required to begin paying rent after that date. Households that cannot afford Fair Market Rent, however, may have their rate reduced as low as $50 per month.  FEMA uses U.S. Department of Housing and Urban Development (HUD) guidelines to determine a homeowner’s eligibility for reduced rent. HUD defines low-­income families as those with...