National Flood Insurance Program Essay

The Independent introduces this article with a harrowing statement, disclosing that certain insurance policies in Louisiana may not cover the damages caused by Hurricane Katrina. The article reveals that "more than half of the properties in the city are understood to be insured only for hurricane damage, with insurers insisting that it was a flood that forced the evacuation of the city". This quote is not making any negative implications about the insurers, the author is attempting to clarify . There is no blatantly evident form of bias in this article. Any omission of facts is understandable, due to the fact that the chosen news source is not based in the United States. Some facts may be omitted due to the fact that the Independent media source is known for being centrist and they do not want to insert too much bias into the articles. The authors of this article, Jason Nisse and Tim Webb, provide the reader with well-rounded, unbiased information. There is no specific diction used to target any certain person, political group, or idea, which can be applied as tactic to influence a reader’s opinion on a topic.

This case summarizes events preceding the Hurricane Katrina, which was one of the worst natural catastrophes in the modern history of the USA. It raises questions about the lack of reasonable prevention and preparation actions due to flimsy structure and management of the responsible organizations and persons, invalidity and inconsistence of their actions and incapability of making the decisions in a timely manner. As a result of the unstructured and incoherent activities, we could observe several ineffective and costly attempts to mitigate floods and hurricanes. In the beginning the local officials, U.S. Army Corps of Engineers and “White Houses past and present always seem penny-wise and pound-foolish” because of the chain of the wrong

FEMA was established after a number of serious natural disasters that took place, but after that there were very few disasters so FEMA has not been in practice. Secondly FEMA has a history of poor planning, people with skill sets not suited for emergency response, FEMA was therefore not considered to be a priority agency when Hurricane Katrina

Since its inception, FEMA has dealt with quite many disasters. In all these disasters, at least, people’s lives and property have been saved. Public opinion on the performance of FEMA is quite divergent. However, there is a feeling that FEMA has several weaknesses that if corrected will help the agency achieve its objectives and even exceed public expectations about its performance. In particular, FEMA’s responses to 9/11 attacks and

The Creation of FEMA started out as a beautiful theory. Before FEMA we had an Acts constructed to make the situation better but FEMA was constructed to assistance the situations first hand so that the American people were catered to at a quicker response and in a manner that was assessed for safety situations. “On April 1, 1979, President Jimmy Carter signed the executive order that created the Federal Emergency Management Agency (FEMA). From day one, FEMA has remained committed to protecting and serving the American people. That commitment to the people we serve and the belief in our survivor centric mission will never change.” This is stated on fema.gov; this shows that FEMA was designed to be the leaders in effect for disasters that

Hurricane Katrina was a devastating disaster that has affected many people in New Orleans. The communication broke down hours after Katrina because of the unexpected fast winds and floods that broke down “3 million phone lines and 1,000 cellular towers in Louisiana, Mississippi and Alabama.”( Joch ). Because of the millions of phone lines that were broken down, contacting the government for help was difficult hours after hurricane Katrina. Not only that, the people of New Orleans underestimated the power of Hurricane Katrina causing many to be “ stranded with no food or water” (Narrator, “The Storm”,PBS).

Over the years of Hurricane Katrina, FEMA faced many criticisms. Not only FEMA, but “every level of government was roundly criticized”( Howellq ). Back in 9/11, They acted fast and accordingly to the disaster. During hurricane Katrina, they were slow and had false promises that the locals of New Orleans believed ( Maestri, “The Storm”, PBS ). Many people asked FEMA for resources and help, but that turned down because they did not “ask the right way” ( Hale “The Storm”, PBS). During an interview with one of FEMA’s secretaries, “Michael Brown”, had claimed that FEMA could not help Louisiana because they didn’t tell them what they

(FEMA) - Federal Emergency Management Agency. FEMA’s mission for 37 years is to lead America to prepare for, prevent, respond to, and to recover disasters with a vision of “A Nation Prepared”. To rescue and attend all victims, suppress any secondary fires that might have resulted in, secure police the disaster area, and begin the process of restoring order. FEMA also coordinates the federal role is preparing for, preventing, mitigating the effects of responding to, and recovering all domestic disasters, whether natural or manmade including the acts of terror. In 1803 The Congressional Act was passed; the act was intended after the first piece of disaster happened, which would be, the New Hampshire FIre of 1803. FEMA provided assistance

For instance, they have detailed information about the areas that are flood prone and provide this on (is there a missing word following the comma?)several platforms, such as the Flood Insurance Rate map required by FEMA (Federal Emergency Management Agency) that illustrates which parts of the county are most at risk for flooding, as well as other informational categories(please elaborate on or list the categories) (Howard County Website). Moreover, the Howard County government has several restrictions and permit requirements that prevent or at least make it more difficult for people to establish (build?) their private properties in flood prone areas. For instance, Howard County has restrictions that a resident’s private property has to be “within the County-regulated 100-year floodplain delineated for smaller drainage areas” (Howard County website). (check on the accuracy of the previous quote) In addition, residents must consult with county officials prior to altering the exterior of their house in any way to ensure that the project is in compliance with any floodplain restrictions (Anderson, Baltimore Sun). Finally, residents and their private properties can be better protected from the financial risk of flooding if they acquire flood insurance, which is mandatory for certain high-risk areas (called Special Flood Hazard Areas) and has to

It was suggested that if FEMA could not be more effective to abolish it entirely. President Clinton with the assistance of the new director of FEMA, James Lee Witt, up scaled the response time of FEMA since they no longer ahd to wait for state approval. The enhancements that Witt made were the most effective changes made in years. (27) At that point, oversight felt the changes should be made permanent and Congress should be involved however, once the public outrage over the mishandling of Andrew died down Congress decided not to spend the time or money on the project and moved to other things. The changes to the system were made through executive order however since Congress did not stay involved to address the issue therefore once President Bush took office, the orders were dismantled. President Bush felt that the Changes made by President Clinton were more of an entitlement that wasted federal money and the executive order was changed to remove much of what was in the

The responsibility for maintaining existing levees and building new ones falls to the federal, state and local governments. In reality, the costs of most infrastructure projects are in the hundreds-of-millions to billions of dollars. This means that the cost burden must fall on the federal government (Webster). The federal government, however, failed to provide the necessary resources to build protective infrastructure for U.S. citizens since, “Under the Bush administration there was little money for nor interest in internal improvements, as the federal dollar was spent mainly on the military while the nation's infrastructure continued to deteriorate” (George). Had more money been spent on internal improvements, more levees could have been built and the impact of the storm lessened.

In the integration of FEMA into the DHS, FEMA had to contribute to the start-up costs of the new department, but unfortunately evidence suggests that the agency may have been made to pay a disproportionately higher amount than larger agencies. FEMA officials say this directly affected their levels of service in 2004 and 2005 (14). In the integration, FEMA lost some programs, but lost major ones as well (14). In 2005, plans continued to reduce FEMA. Director at the time, Michael Brown, wrote a memo in June expressing his concern about the agency’s future if the cuts continued (13). Perhaps the most ironic cut was the disaster planning exercise “Hurricane Pam.” This exercise, in which outlines a scenario where a disastrous hurricane hits New Orleans, leaving more than 100,000 people in the city, began a year before Katrina. The exercise was never finished because the Bush Administration cut funding (13).

The Hurricane Katrina disaster highly challenged the operations of FEMA thereby leading to great changes in the agency. The Storm that is ranked as the third most intense U.S. landfalling intense caught the FEMA and at large the Department of Homeland Security unprepared thereby leading to severe losses. The hurricane claimed more than 1200 individuals and a total property of around $108 billion, of which could have minimized if FEMA could have carried out its operations effectively (Bea, 2006).

* On May 9, 2006, Secretary Jackson approved Louisiana’s initial supplemental CDBG Disaster Action Plan and awarded the state $368.4 million to help meet the state’s infrastructure needs, provide interest-free small business bridge loans and support long-term planning efforts. On May 30, 2006, Secretary Jackson approved an amended plan and awarded an additional $4.6 billion of the state’s original $6.2 billion to fund Louisiana’s Road Home Program. This program provides up to $150,000 to eligible homeowners whose primary residences were located outside pre-Katrina designated flood zones and were destroyed or severely damaged following Hurricanes Katrina and Rita. (Hurricane Katrina:  What Government is Doing, 2006)

In the United States, people who live in poverty are already one of the most vulnerable populations and it is this population that is heavily impacted by public policy relating to natural disasters. Often, public policies relating to disaster preparedness and recovery are not discussed until after a natural disaster takes place which is too late to do any good for the people affected and who are devastated almost beyond comprehension. The role of government in disaster preparedness and recovery became a “hot button” issue especially after Hurricane Katrina when the federal and local governments seemed to protect/help those who already had resources and not those with little to no resources. According to a Gallup Poll by Jones & Carroll (2005), forty-nine percent of respondents said that FEMA was most helpful to them while thirty-one percent of respondents said that nothing was helpful to them during recovery from Hurricane Katrina. This information indicates that there is a gap in services disaster relief policies and programs that needs to be filled.