Emergency Preparedness Resources
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The Catalyst Miami Disaster Matched Savings Account was established as a resource for low- and moderate-income individuals within Miami, Florida neighborhoods to help families build financial stability, and better withstand disaster events. The program helps households build assets and savings through the use of financial coaching, credit coaching, and lending circles. The program encourages savings behavior and offers a 1-to-1 match as an incentive. In addition, Catalyst Miami distributes disaster preparedness kits to those who partake in the Program by saving the full amount of the cost of the kit. It also provides important information about hurricane season, along with emergency preparedness resources available from local government and community partners both before and after storms. By supplying communities with these disaster preparedness kits, as well as with teaching participants how to bank and save responsibly, Catalyst Miami helps low-income, underserved communities better withstand the shocks – economic and otherwise – often associated with disaster events.
Resource Category: Funding
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The U. S. Small Business Administration (SBA) was established as an independent agency in 1952 with a mission to help Americans start, build, and grow businesses. SBA offers a range of financing and other assistance in a post-disaster context. The SBA Disaster Loan Program supports businesses, private nonprofit organizations, homeowners, and renters located in declared disaster areas by providing affordable, timely, and accessible low-interest, long-term loans for losses not fully covered by insurance or other means.
Resource Category: Funding
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The Uniform Relocation Assistance and Real Property Acquisition Act of 1970 (URA) (42 U. S. C. §§ 4621 et seq. (2020); 49 C. F. R. pt. 24 (2020)) is a federal law enacted to provide standard and predictable real property acquisition and relocation expenses for homeowners and tenants of land acquired through eminent domain. URA ensures consistent treatment for people displaced through federal programs or with federal funding. State and local governments can learn and draw from URA when evaluating the amount and types of relocation assistance potentially provided for bought-out homeowners and tenants as a part of comprehensive retreat strategies.
Resource Category: Law and Governance
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In 2017, the Town of Princeville, North Carolina engaged experts and communities in a long-term, comprehensive planning process to annex a 53-acre parcel of land located outside of the town’s 100-year floodplain to develop a safer, higher ground area where residents, structures, and infrastructure can be relocated. After experiencing flooding impacts from Hurricane Matthew in 2016, Princeville was selected as one of six municipalities in North Carolina to receive technical and funding support from the state through the Hurricane Matthew Disaster Recovery and Resilience Initiative. Princeville provides an example for other municipalities either in a pre-or post-disaster context for how to balance the preservation of original townships while dealing with flooding vulnerabilities, while increasing the resiliency of core community assets and services through adaptation actions. As done in Princeville, local governments may consider options for relocating vulnerable residences and community facilities and services, including by annexing new land where sufficient higher ground land within existing municipal boundaries is not available to reallocate critical land uses and maintain local communities, tax bases, and economies.
Resource Category: Solutions
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July 15, 2020
The City of Austin, Texas has adopted a model to provide consistent relocation benefits for voluntary home buyouts in the city’s floodplains as a part of its “flood risk reduction projects .” In addition to the cost of a person’s original home, the city will provide homeowners with moving and closing costs, and a replacement housing payment if the cost of a new comparable home (located outside of the city’s 100-year floodplain) is more than the original home. This policy encourages owner participation in the buyout program and helps to minimize the e conomic and social costs of relocation. The city’s Watershed Protection Department prioritizes buyouts in accordance with a Watershed Protection Master Plan that strategically guides related city actions, including potential buyouts, to reduce the risks associated with erosion, flooding, and poor water quality. A mix of municipal bonds, federal grants, and local funds (primarily through a drainage fee paid by owners of properties based upon impervious surface cover) have been used to fund the buyouts. Austin’s example is noteworthy for its emphasis on implementing buyouts in accordance with a comprehensive flood mitigation program and facilitating transitions for people located in floodplains through relocation assistance. Other jurisdictions considering managed retreat could implement an interdisciplinary buyout approach across different sectors and government agencies (e.g., floodplain and emergency management and housing and community development). .
Resource Category: Solutions
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July 15, 2020
The New Jersey Blue Acres Buyout Program is a nationally recognized example of a longstanding, state-run buyout program. Blue Acres works closely with municipalities throughout the state to identify privately owned properties that are routinely threatened or flooded due to sea-level rise and more frequent weather events. The program works directly with local governments to prioritize comprehensive buyouts of affected neighborhoods, instead of individual properties, and restores and protects the properties to maximize the flood and cost-reduction benefits for communities and the environment. To accomplish effective state-local coordination, the program has a diversified staff that meets local needs including case workers who work directly with participants in each buyout area, and a financial team that negotiates mortgage forgiveness with banks and other financial lenders on behalf of homeowners. As climate change worsens and makes extreme weather events more common, other states and local governments may increasingly evaluate the potential for buyouts, particularly in coastal jurisdictions. Decisionmakers could consider institutionalizing buyouts as a part of comprehensive climate adaptation and coastal and floodplain management strategies to encourage neighborhoods to relocate to safer, higher ground areas and restore ecosystems to attain flood, natural resources, and other community benefits.
Resource Category: Solutions
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July 15, 2020
After Hurricane Sandy, New York City (NYC) engaged in a community-driven planning process and implemented multiple voluntary relocation projects in the Edgemere neighborhood of Queens to reduce flood risks and move people out of harm’s way after Hurricane Sandy. The NYC Department of Housing Preservation and Development (HPD) launched the Resilient Edgemere Community Planning Initiative in October 2015 as a collaboration between city agencies, community members, elected officials, and local organizations. The Resilient Edgemere Community Plan lays out a long-term vision for achieving a more resilient neighborhood with improved housing, transportation access, and neighborhood amenities. One of the 65 distinct projects included in the plan was a “land swap” pilot project to provide buyout and relocation assistance to residents within a “Hazard Mitigation Zone” (HMZ), an area of Edgemere at risk of destructive wave action during storms. Through the land swap pilot project, Edgemere residents within a HMZ were eligible to receive a newly built, elevated home on safer ground. In exchange, residents would transfer title of their damaged, original homes to the city. The plan is notable for being developed through an 18-month public engagement process that placed residents, who best understand their community, at the center of an open and transparent neighborhood planning process. Resilient Edgemere can provide an example of how local governments can transition affected residents away from vulnerable areas by helping people relocate nearby and simultaneously build community resilience and help to maintain community cohesion and local tax bases. This case study is one of 17 case studies featured in a report written by the Georgetown Climate Center, Managing the Retreat from Rising Seas: Lessons and Tools from 17 Case Studies.
Resource Category: Solutions
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July 15, 2020
Charlotte-Mecklenburg Storm Water Services (CMSS) — a county-wide regional utility in North Carolina — has been administering a Floodplain Buyout Program to relocate vulnerable residents out of floodplains and reduce long-term flood damage. The buyout program is focused on risk reduction and flood mitigation best practices, where once bought out, properties are returned to open space uses to restore their natural beneficial flood retention and water quality improvement functions and provide other community amenities, like parks and trails. CMSS has purchased more than 400 flood-prone homes and businesses and enabled over 700 families and businesses to relocate to less vulnerable locations outside of the floodplain. CMSS has also supported a number of leaseback arrangements on a case-by-case basis with property owners to increase participation in the buyout program and reduce the county’s property maintenance costs. The program has been funded through a combination of federal and local government sources, with leasebacks also supporting the recapture of some costs. Charlotte-Mecklenburg’s Floodplain Buyout Program is an example of a nationally recognized approach to supporting voluntary retreat in a riverine floodplain. Other local governments could consider adopting a comprehensive buyout program like Charlotte-Mecklenburg’s or individual program elements, like local funding options or leasebacks, to help support voluntary retreat decisions in coastal areas experiencing sea-level rise, impacts from disaster events, and land loss. This case study is one of 17 case studies featured in a report written by the Georgetown Climate Center, Managing the Retreat from Rising Seas: Lessons and Tools from 17 Case Studies.
Resource Category: Solutions
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July 15, 2020
Harris County, Texas established a voluntary home buyout program through the regional government agency, the Harris County Flood Control District (HCFCD), that can serve as an example for other local jurisdictions considering retreat from coastal and riverine flood-prone areas. The buyout program is focused on risk reduction and flood mitigation best practices, where once bought out, properties are returned to open space uses to restore their natural beneficial flood retention functions. HCFCD has developed an effective communication and outreach strategy to educate the public and encourage program participation. Historically, properties have been acquired with grants from the Federal Emergency Management Agency’s Hazard Mitigation Assistance program, Department of Housing and Urban Development’s Community Development Block Grant program, and local funding from a dedicated ad valorem property tax (i.e., a tax based on a property’s assessed value). Other state, regional, and local jurisdictions considering managed retreat could implement a similar comprehensive buyout model that operates in both a pre- and post-disaster context to reduce flood risks and engages the community throughout the entire process. This case study is one of 17 case studies featured in a report written by the Georgetown Climate Center, Managing the Retreat from Rising Seas: Lessons and Tools from 17 Case Studies.
Resource Category: Solutions
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July 15, 2020
The New York City Department of Environmental Protection (NYC DEP) offers flood mitigation buyouts within the NYC watershed, in cooperation with the state, through a Flood Buyout Program that can serve as a model for other coastal and riverine jurisdictions considering retreat. These buyouts are part of a comprehensive flood hazard mitigation program that relies on scientific studies termed Local Flood Analyses (LFA). LFA enable NYC DEP to identify solutions to reduce flooding, which may involve buyouts, and then to fund and implement recommended projects. NYC DEP’s buyouts are primarily funded by local sewer and water bills and may be supplemented by grants from the Federal Emergency Management Agency. Notably, NYC DEP administers a Land Acquisition Program — in addition to its Flood Buyout Program — with a focus on conserving land within the NYC watershed to protect water quality. This dual approach to both buyouts to mitigate flood risk and open space acquisitions to enhance water quality is a unique model that other state and local governments can replicate to achieve co-benefits through land acquisitions. Collectively, NYC’s multiple programs and projects can provide an example for other land-use planners and decisionmakers on how managed retreat through buyouts can be supported through a science-based, comprehensive approach that aims to maximize floodplain hazard mitigation and community resilience. This case study is one of 17 case studies featured in a report written by the Georgetown Climate Center, Managing the Retreat from Rising Seas: Lessons and Tools from 17 Case Studies.
Resource Category: Solutions
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