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Recent KYEM Press Releases

2008 Severe Storms Preparedness Month Proclamation

2008 Annual Tornado Drill

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Commonwealth of Kentucky
Office of Governor Steven L. Beshear

FOR IMMEDIATE RELEASE
Contact: Vicki Glass
Work 502-564-2611
Cell 502-382-6973 

Governor Beshear Proclaims Earthquake Preparedness Week  

FRANKFORT, KY (January 30, 2008) – Governor Steve Beshear announced today the signing of an executive proclamation declaring February 3rd – 9th, 2008 as Earthquake Preparedness Week in Kentucky.  

The Governor and Kentucky Division of Emergency Management (KyEM) officials recognize the need to be aware of the risks and to be prepared for all natural and man-made disasters, including earthquakes.  

“Earthquakes can happen any time, anywhere throughout Kentucky,” said Beshear.  It is critical that our citizens, communities and schools are prepared for natural disasters.”  

"Earthquakes are unpredictable,” Lori King, KyEM Earthquake Program Coordinator said. “At best scientists make predictions based upon historical activity, but with so much uncertainty the possibility of a major earthquake effecting Kentucky cannot be taken for granted."   

In order to learn more about the effects of earthquakes and what to do if one strikes, Kentucky schools will participate in an earthquake drill at 10:07 a.m. on Tuesday, February 5, 2008.  

The Kentucky Broadcasters Association and National Weather Service will partner with KyEM to broadcast the test message. This drill is designed to educate school children, as well as the general public, on what to do in the event of an earthquake and steps to protect themselves. A survey is completed by each participating school and returned to the KyEM Earthquake Program Coordinator for evaluation of the program and ways to improve awareness and emergency notification methods.

To learn more about Earthquake Preparedness Week, including; activities, preparedness measures, earthquake resources, additional information and links, follow the related KyEM link:  http://kyem.ky.gov/programs/earthquake/.

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Click on the below link to download the release as a Word doc:
Governor's Earthquake Prepardeness Week Press Release 2008

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For Immediate Release   
April 12, 2007      
Contact: Renelle Grubbs  502-607-5781                                                           
 
GOVERNOR FLETCHER, STATE EMERGENCY OFFICIALS PROCLAIM  DISASTER BEHAVIORAL MONTH
 
FRANKFORT, Ky. – To commemorate the tenth anniversary of the Kentucky Community Crisis Response Board (KCCRB) and the Kentucky Community Crisis Response Team (KCCRT), Governor Ernie Fletcher has proclaimed April "Disaster Behavioral Health Month" in Kentucky.

"A disaster or an emergency of any magnitude can have a devastating effect on people’s lives.  The KCCRB was established to assist and support individuals in kick-starting their coping skills and putting their lives back together in the wake of such an event," said Renelle Grubbs, KCCRB executive director.

According to the proclamation, the KCCRB "has been a consistent source of strength, solace and support to those affected by disasters within the Commonwealth."

The KCCRB/KCCRT was established following record flooding that impacted most of the Commonwealth in 1997. The KCCRB credentials and maintains a statewide network of trained professional volunteer responders and deploys rapids response teams to crisis sites. A 24-hour toll-free access phone number, (888) 522-7228, is maintained to request a response.

The Kentucky Community Crisis Response Board (KCCRB) provides assessments, crisis intervention, service collaboration, and system development following disasters. KCCRB, as the state lead disaster behavioral health coordinating agency, coordinates services, administers FEMA Crisis Counseling grants when necessary following a Presidential Declaration, in collaboration with local and regional mental health providers. The KCCRB also provides multi-component crisis intervention services statewide, and is on call 24 hours a day, seven days a week. Regular incident responses include responding to crises with first responders, schools, businesses or community organizations, as invited.

To learn more about the Board and program, please visit their web site at: http://kccrb.ky.gov .

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Kentucky Division of Emergency Management

NEWS RELEASE

FOR IMMEDIATE RELEASE                                                                                         Contact: Buddy Rogers 502-607-1611

March Declared Severe Weather Preparedness Month

FRANKFORT, Ky.- (February 24, 2007) Earlier this week Governor Fletcher signed a proclamation declaring March as Severe Storms Preparedness Month across the Commonwealth of Kentucky. The Kentucky Division of Emergency Management, the Kentucky Weather Preparedness Committee along with the National Weather Service offices that serve the state of Kentucky have designated this month as a time for severe weather preparedness.
The Kentucky Division of Emergency Management and Kentucky Weather Preparedness Committee urge you and your family to review these safety tips as we enter the peak severe weather season in Kentucky:

Flash Flooding Safety Rules       

According to statistics from the National Weather Service; flash floods and floods are the most recent year’s #1 storm related killer in Kentucky and across the United States.

o If Driving, DO NOT DRIVE THROUGH FLOODED AREAS! Even if it looks shallow enough to cross. The majority of deaths due to flooding are due to people driving through flooded areas. Water only one foot deep and displace 1500 pounds! Two feet of water can easily carry most vehicles. Roadways concealed by floodwaters may not be intact.
o If caught outside, go to higher ground immediately! Avoid small rivers or streams, low spots, culverts, or ravines. Do not try to walk through flowing water more than ankle deep, as it only takes six inches of water to knock you off your feet. Do not allow children to play around streams, drainage ditches, or viaducts, storm drains, or other flooded areas.
o If ordered to evacuate or if rising water is threatening, leave immediately and get to higher ground.

Lightning Safety Rules       

Lightning is the number two storm related killer. In Kentucky, more people are killed by lightning in an average year than tornadoes. Although severe thunderstorm warnings are NOT issued for lightning, you should move to shelter when thunder is heard as lightning can strike 10 to 15 miles away from where the rain is falling.

o If outside, go to a safe shelter immediately, such as inside a sturdy building. A hard top automobile with the windows up can also offer fair protection.
o If you are boating or swimming, get out of the water immediately and move to a safe shelter away from the water!
o If you are in a wooded area, seek shelter under a thick growth of relatively small trees.
o If you feel you hair standing on end, squat with your head between your knees. Do not lie flat!
o Avoid: Isolated trees or other tall objects, bodies of water, sheds, fences, convertible automobiles, tractors, and motorcycles.
o If inside, avoid using the telephone (except for emergencies) or other electrical appliances.
o Do not take a bath or shower during a thunderstorm.

Tornado/Severe Thunderstorm Safety Rules       

o In a home or building, move to a pre-designated shelter, such as a basement.
o If an underground shelter is not available, move to a small interior room or hallway on the lowest floor and get under a sturdy piece of furniture. Put as many walls as possible between you and the outdoors.
o Stay away from windows.
o Get out of automobiles.
o Do not try to outrun a tornado in your car; instead, leave it immediately for safe shelter. Do not seek shelter in an underpass.
o If caught outside or in a vehicle, lie flat in a nearby ditch or depression and cover your head with your hands.
o Be aware of flying debris. Flying debris from tornadoes and high winds causes most fatalities and injuries.
o Mobile homes, even if tied down, offer little protection from tornadoes or high winds. You should leave a mobile home and go to the lowest floor of a sturdy building or storm shelter.


For more information, please contact your local Emergency Director or visit:

www.kyem.ky.gov
www.fema.gov
www.nws.noaa.gov/om/severeweather/index.shtml
http://homelandsecurity.ky.gov/families/protectyourfamily/

 

 

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Kentucky Division of Emergency Management
For Immediate Release  
January 25, 2007 
Contact: Steve Oglesby 502-607-1658                                           

GOVERNOR FLETCHER, STATE EMERGENCY OFFICIALS PROCLAIM

EARTHQUAKE AWARENESS WEEK

FRANKFORT, Ky. - Governor Ernie Fletcher proclaims January 29 - February 6, 2007 as Earthquake Awareness Week.

How well families and homes survive depends on the level of preparedness for and response to a disaster of this type.

"We have seen the devastation which can be caused by natural disasters," said Governor Fletcher. "It is important for our officials, citizens, communities and schools to be prepared for such an event. During Earthquake Awareness Week, I encourage all Kentuckians to learn more about the effects of earthquakes and what to do if one strikes." 

Steve Oglesby, Kentucky's Earthquake Program Manager, states: “We can do a lot more to be prepared.  Anchoring furniture that is likely to move during a quake and practicing the Duck, Cover and Hold Drill are just a couple of examples.  There are a number of things that we can do in our homes, businesses and government buildings to make them safer.” He added: “As in any disaster, knowing what to do during an actual event and preparing beforehand is crucial. Our role is to help educate and train the citizens of Kentucky to be ready if and when an earthquake occurs.”

Several related training opportunities are scheduled during Earthquake Awareness Week. These can be found by clicking on the Programs page and choosing earthquake. 


 

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PRESS RELEASE
Kentucky Division of Emergency Management


For Immediate Release
October 27, 2006

Contact: Charlie Winter      
Office: 502-607-1663

KENTUCKY COUNTIES DECLARED ELIGIBLE FOR SMALL BUSINESS LOANS

FRANKFORT, KY: In response to Governor Fletcher’s request last week for disaster support in the wake of last September’s flooding, the Small Business Administration announced yesterday that approval has been granted and reduced interest rate loans may be available to those homeowners and businesses were damaged or destroyed. 

“I am pleased that the Small Business Administration is able to assist those whose homes have been damaged or those whose livelihood has been adversely affected,” said Governor Fletcher.  “These loans are essential in helping Kentuckians rebuild and preserve the quality of life they have worked so hard to obtain.”

Eligible counties include:  Anderson, Bourbon, Breckenridge, Bullitt, Clark, Fayette, Franklin, Fulton, Grayson, Hardin, Hart, Hickman, Jefferson, Jessamine, Larue, Madison, Meade, Mercer, Nelson, Scott and Woodford Counties. 

Anyone uncertain if they may be eligible for SBA assistance are encouraged to contact their local emergency director or visit www.SBA.gov.

Please watch your local newspapers and community notices for additional information provided by SBA officials.


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PRESS RELEASE

Kentucky Division of Emergency Management 

For Immediate Release
September 28, 2006 

Contact Buddy Rogers
Office: 502-607-1611, Cell: 502-382-6006

MORE KENTUCKY CITIES AND COUNTIES DECLARE EMERGENCY

As of 2:30PM EST today the number of cities and counties in Kentucky that have declared emergencies due to this past weekend’s weather has increased to twenty each.  

FRANKFORT, KY: Additional cities and counties that were impacted by this past weekend’s weather have declared local states of emergencies, bringing the total declared to twenty cities and twenty counties. 

The cities that have declared are: Barlow, Bayou, Caneyville, Clarkson, Elizabethtown, Frankfort, Fulton, Hickman, Kevil, La Center, Leitchfield, Mayfield, Midway, Morganfield, Paducah, Sturgis, Uniontown, Versailles, Waverly and Wickliffe.

The counties that have declared are: Anderson, Ballard, Bath, Calloway, Carlisle, Carter, Christian, Franklin, Fulton, Graves, Grayson, Hardin, Hickman, Lewis, Livingston, Marshall, McCracken, Menifee, Union, and Woodford.

While individual cities or counties may declare states of emergencies, it does not mean that federal disaster assistance may be available. It does mean, however, that if the state meets the property and infrastructure damage thresholds established by the federal guidelines, then those cities or counties may be eligible to receive federal disaster assistance.

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PRESS RELEASE
Kentucky Division of Emergency Management


For Immediate Release
September 25, 2006

Contact Buddy Rogers 
Office: 502-607-1611, Cell: 502-382-6006

KENTUCKY COUNTIES TO DECLARE EMERGENCY INCREASES
As of 4:00PM EST today the number of counties in Kentucky that have declared emergencies due to this past weekend’s weather has increased to eighteen.

FRANKFORT, KY: Additional counties and cities that were impacted by this past weekend’s weather have declared state of emergencies, bringing the total declared to eighteen counties and twelve cities. The counties that have declared are: Ballard, Bath, Breckenridge, Calloway, Carlisle, Carter, Christian, Franklin, Fulton, Graves, Grayson, Hardin, Hickman, Livingston, Marshall, McCracken, Union, and Woodford. The cities that have declared are: Barlow, Bayou, Caneyville, Clarkson, Fulton, Hickman, Kevil, La Center, Leitchfield, Mayfield, Versailles, and Wickliffe.

Charlie Winter, Kentucky Division of Emergency Management Assistant Director, stated; “local emergency officials continue to conduct damage assessment in the impacted areas.” He also added; “We are all saddened by the loss of life and the impact this has had on their families and all Kentuckians.”  

The death toll continued to increase today as more weather related death reports came in and were able to be confirmed. That number now stands at ten.


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PRESS RELEASE
Kentucky Division of Emergency Management


For Immediate Release

Contact Buddy Rogers  Office: 502-607-1611, 
                                          Cell: 502-382-6006

FRANKFORT, KY: September 23, 2006 State and local officials are responding as severe weather and flooding continues across the Commonwealth of Kentucky.

General Maxwell “Clay” Bailey, director of Kentucky Division of Emergency Management, activated the state Emergency Operations Center (EOC) this morning in response to last night’s weather which resulted in flooding throughout much of the state.

The National Weather Service reports the hardest hit area appears to be in west and central Kentucky with rainfall amounts overnight of up to seven inches and reports of heavier local rainfalls.

Evacuations have taken place in the counties of; Jefferson, Hardin, Woodford, and Shelby. There have been six confirmed deaths related to the storm; two in Fayette County, one in Jessamine County, two in Hardin County, and one in Franklin County.

Overnight the American Red Cross opened a shelter at Seneca High School in Jefferson County and provided assistance to 110 people. Although most of them have moved on to other accommodations, the shelter remains open and can be contacted at 1-502-485-8323.
At 4:00 PM EST the American Red Cross is scheduled to have an 800 number available for those needing information. The number to call will be 1-800-GET-HELP or 1-800-438-4357. 

The Kentucky Department of Highways District 5 office announces the following interstate closures due to high water:

Bullitt County

KY 480 between mile points 9 and 10

Jefferson County

Seatonville Road (KY 1819) between Dawson Hill and Echo Trail (mile points 2.2 to 2.7)

Oldham County

Ash Avenue (KY 362) at the Shelby County line (mile point 3.0)

Spencer County

River Road (KY 2885)

Andrea Clifford, Public Information Officer for Kentucky Department of Transportation, encourages everyone to check on current road conditions by dialing 511 or log on to 511.ky.gov for the latest in traffic and travel information in the Commonwealth of Kentucky.

With the ground already saturated this additional rain is likely to produce continued flooding. It is advised to limit travel unless absolutely necessary, but if you must travel and encounter water over a roadway; “STOP! TURN AROUND, DON’T DROWN!”
Do not attempt to drive or walk through any high water, please seek an alternate route.

The Kentucky National Guard is on standby in several locations throughout the state with personnel and equipment and are ready to deploy and provide assistance if needed.

Of immediate concern is the arrival of another weather system capable of producing additional rainfall amounts from one to four inches, as well as possible tornadoes and straight lines winds up to seventy five miles per hour.

General Bailey reminds everyone to be aware of their local and state weather conditions and forecasts by saying, “All homes should be equipped with a weather alert radio and should have an emergency plan in place.”  Should severe weather occur, take shelter immediately and stay tuned to your local broadcast stations.

For additional information and storm tips, go to www.kyem.ky.gov.  There you will find valuable links to other agencies and storm safety information.
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PRESS RELEASE
Kentucky Division of Emergency Management


For Immediate Release

Contact Buddy Rogers  Office: 502-607-1611, Cell: 502-382-6006

FRANKFORT, KY: April 7, 2006 State and local officials are responding as severe weather continues across the Commonwealth of Kentucky.

General Maxwell “Clay” Bailey, director of Kentucky Division of Emergency Management, activated the state Emergency Operations Center (EOC) this morning after a teleconference call with the National Weather Service.  State and local officials discussed the likelihood of severe weather today that may continue into early Saturday morning.

Strong storms along with possible tornados have been reported throughout the state.  Reports of storm damage are still coming in.  Barren County reported several homes damaged and approximately 30 destroyed, causing numerous natural and propane gas leaks.  There are no known injuries at this time.  The Barren County Emergency Center has been activated.

Metcalf County also reports 10 to 12 homes damaged and two destroyed.

Pike County reports several homes damaged by strong winds and damage to a medical office.  One person was treated for minor injuries. The American Red Cross provide temporary shelter  for several families while other sought shelter with friends or family.

Jefferson County also reported 1 home damaged by strong winds.

General Bailey reminds everyone to be aware of their local and state weather conditions and forecasts by saying, “All homes should be equipped with a weather alert radio and should have an emergency plan in place.”  Should severe weather occur, take shelter immediately and stay tuned to your local broadcast stations.

For additional information and storm tips, go to www.kyem.ky.gov.  There you will find valuable links to other agencies and storm safety information.

 

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Schools across the state practice tornado drill and severe storms preparedness

 

FOR IMMEDIATE RELEASE 
March 16, 2006

Contact: Buddy Rogers 502-607-1611

 FRANKFORT, Ky. – Severe weather that tore across portions of the Midwest last week is a stark reminder just how important it is to expect and prepare for severe storms. As many as 10 people perished in neighboring states during those weekend storms.  

 March has been designated as Severe Storms Preparedness Month across the Commonwealth of Kentucky. The Kentucky Division of Emergency Management and the Kentucky Weather Preparedness Committee, along with the National Weather Service offices that serve the state of Kentucky, have designated this month as a time for severe storms preparedness.

 Last Tuesday at approximately 10:07am EDT an Emergency Alert System (EAS) test message went out from the National Weather Service to Kentucky broadcasting stations and National Oceanic and Atmospheric Administration (NOAA) weather radios.  Hundreds of schools throughout the state used this EAS test to practice tornado drills. Teachers and administrators observed as students evacuated their classrooms to line the hallways to face the wall and crouch down with hands covering their heads. 

 When asked, Griffin Rogers, a 3rd grader at Westridge Elementary, in Frankfort, replied, “It’s good to practice for a tornado just in case we ever get one, so we’d know what to do! Not just at school, but at home too.”

 Schools were asked to complete and return a participation survey to the Kentucky Weather Preparedness Committee, so that assessments and improvements can be made.

 The Kentucky Division of Emergency Management and Kentucky Weather Preparedness Committee urge you and your family to review these safety tips as we enter the peak severe weather season in Kentucky:

 Flash Flooding Safety Rules

 According to statistics from the National Weather Service, flash floods and floods are the most recent year’s #1 storm related killer in Kentucky and across the United States.

 o        If driving, DO NOT DRIVE THROUGH FLOODED AREAS, “DON’T DROWN - TURN AROUND!” Even if it looks shallow enough to cross. The majority of deaths due to flooding are due to people driving through flooded areas. Water only one foot deep can displace 1500 pounds. Two feet of water can easily carry most vehicles. Roadways concealed by floodwaters may not be intact.

o        If caught outside, go to higher ground immediately! Avoid small rivers or streams, low spots, culverts or ravines. Do not try to walk through flowing water more than ankle deep, as it only takes six inches of water to knock you off your feet. Do not allow children to play around streams, drainage ditches, or viaducts, storm drains or other flooded areas.

o        If ordered to evacuate or if rising water is threatening, leave immediately and get to higher ground.

 Lightning Safety Rules

Lightning is the number two storm related killer. In Kentucky, more people are killed by lightning in an average year than tornadoes. Although severe thunderstorm warnings are NOT issued for lightning, you should move to shelter when thunder is heard as lightning can strike 10 to 15 miles away from where the rain is falling.

 o        If outside, go to a safe shelter immediately, such as inside a sturdy building. A hard top automobile with the windows up can also offer fair protection.

o        If you are boating or swimming, get out of the water immediately and move to a safe shelter away from the water!

o        If you are in a wooded area, seek shelter under a thick growth of relatively small trees.

o        If you feel you hair standing on end, squat with your head between your knees. Do not lie flat!

o        Avoid: Isolated trees or other tall objects, bodies of water, sheds, fences, convertible automobiles, tractors and motorcycles.

o        If inside, avoid using the telephone (except for emergencies) or other electrical appliances.

o        Do not take a bath or shower during a thunderstorm.

 Tornado/Severe Thunderstorm Safety Rules

 o        In a home or building, move to a pre-designated shelter, such 
      as 
a basement.

o        If an underground shelter is not available, move to a small interior room or hallway on the lowest floor and get under a sturdy piece of furniture. Put as many walls as possible between you and the outdoors.

o        Stay away from windows.

o        Get out of automobiles.

o        Do not try to outrun a tornado in your car; instead, leave it immediately for safe shelter. Do not seek shelter in an underpass.

o        If caught outside or in a vehicle, lie flat in a nearby ditch or depression and cover your head with your hands.

o        Be aware of flying debris. Flying debris from tornadoes and high winds causes most fatalities and injuries.

o        Mobile homes, even if tied down, offer little protection from tornadoes or high winds. You should leave a mobile home and go to the lowest floor of a sturdy building or storm shelter.

 For more information, please contact your local
                       Emergency Director or visit:
www.kyem.ky.gov

www.fema.gov External link - You are now leaving the .gov domain.

www.nws.noaa.gov/om/severeweather/index.shtml External link - You are now leaving the .gov domain.

http://homelandsecurity.ky.gov/families/protectyourfamily/

 

 

 

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Kentucky Division of Emergency Management

 

NEWS RELEASE

 

FOR IMMEDIATE RELEASE      

Contact: Buddy Rogers  502-607-1611

March 03, 2006

Severe Storms Preparedness

 FRANKFORT, Ky. -- March has been designated as Severe Storms Preparedness Month across the Commonwealth of Kentucky. The Kentucky Division of Emergency Management, the Kentucky Weather Preparedness Committee along with the National Weather Service offices that serve the state of Kentucky have designated this month as a time for severe storms preparedness.

 

The Kentucky Division of Emergency Management and Kentucky Weather Preparedness Committee urge you and your family to review these safety tips as we enter the peak severe weather season in Kentucky:

 

Flash Flooding Safety Rules: 

According to statistics from the National Weather Service; flash floods and floods are the most recent year’s #1 storm related killer in Kentucky and across the United States.

 o       If driving, DO NOT DRIVE THROUGH FLOODED AREAS, even if it looks shallow enough to cross. The majority of deaths due to flooding are due to people driving through flooded areas. Water only one foot deep can displace 1500 pounds. Two feet of water can easily carry most vehicles. Roadways concealed by floodwaters may not be intact.

o       If caught outside, go to higher ground immediately! Avoid small rivers or streams, low spots, culverts, or ravines. Do not try to walk through flowing water more than ankle deep, as it only takes six inches of water to knock you off your feet. Do not allow children to play around streams, drainage ditches, or viaducts, storm drains, or other flooded areas.

o       If ordered to evacuate or if rising water is threatening, leave immediately and get to higher ground.

 

Lightning Safety Rules:

Lightning is the number two storm related killer. In Kentucky, more people are killed by lightning in an average year than tornadoes. Although severe thunderstorm warnings are NOT issued for lightning, you should move to shelter when thunder is heard as lightning can strike 10 to 15 miles away from where the rain is falling.

o       If outside, go to a safe shelter immediately, such as inside a sturdy building. A hard top automobile with the windows up can also offer fair protection.

o       If you are boating or swimming, get out of the water immediately and move to a safe shelter away from the water!

o       If you are in a wooded area, seek shelter under a thick growth of relatively small trees.

o       If you feel you hair standing on end, squat with your head between your knees. Do not lie flat!

o       Avoid: Isolated trees or other tall objects, bodies of water, sheds, fences, convertible automobiles, tractors, and motorcycles.

o       If inside, avoid using the telephone (except for emergencies) or other electrical appliances.

o       Do not take a bath or shower during a thunderstorm.

 

Tornado/Severe Thunderstorm Safety Rules: 

o       In a home or building, move to a pre-designated shelter, such as a basement.

o       If an underground shelter is not available, move to a small interior room or hallway on the lowest floor and get under a sturdy piece of furniture. Put as many walls as possible between you and the outdoors.

o       Stay away from windows.

o       Get out of automobiles.

o       Do not try to outrun a tornado in your car; instead, leave it immediately for safe shelter. Do not seek shelter in an underpass.

o       If caught outside or in a vehicle, lie flat in a nearby ditch or depression and cover your head with your hands.

o       Be aware of flying debris. Flying debris from tornadoes and high winds causes most fatalities and injuries.

o       Mobile homes, even if tied down, offer little protection from tornadoes or high winds. You should leave a mobile home and go to the lowest floor of a sturdy building or storm shelter.

 

For more information, please contact your local Emergency Director or visit:

www.kyem.ky.gov

www.fema.gov

www.nws.noaa.gov/om/severeweather/index.shtml

http://homelandsecurity.ky.gov/families/protectyourfamily/

 

 

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Kentucky Earthquake Preparedness Week

 

 

FRANKFORT, KY (January 20, 2006) February 1 through February 8, has been designated as Kentucky Earthquake Preparedness Week.

Kentuckians could be “rocked” by an earthquake at any given moment. How well you, your family, and your home survive often depends upon how well you prepare beforehand and how you respond in the event of an earthquake.  Steve Oglesby, Kentucky Division of Emergency Management’s Earthquake Program Coordinator, states: “as in any disaster, knowing what to do during an actual event and preparing beforehand is crucial. Our role is to help educate the citizens of Kentucky to be ready if and when an earthquake occurs.”

Governor Ernie Fletcher, along with officials from Kentucky National Guard, Kentucky Division of Emergency Management; Homeland Security; Education and the scientific communities, is scheduled to hold a press conference January 25 at 10 a.m. discussing Earthquake Preparedness Week topics and events. 

Several activities and events are scheduled throughout the state during the week. A partial list includes:

 

   

Wednesday, February 1, 2006

 

Earthquake Town Hall Meeting

6:30 – 8:30 PM, Wednesday, February 1, 2006

Caldwell County Emergency Operations Center

102 Northfield Drive

Princeton, Kentucky 42445

 

Panel members from the emergency management and scientific communities will be on hand for a public discussion of the New Madrid seismic zone, emergency planning efforts, recent earthquakes, and general earthquake preparedness. There will be a 45-minute presentation followed by a 45-minute question and answer period with the panel.

 

-Continued -

Thursday, February 2, 2006

 

ATC-21 Training Course

8:00AM– 3:00 PM, Thursday, February 2, 2006

Caldwell County Emergency Operations Center

102 Northfield Drive

Princeton, Kentucky 42445

 

A one day training course for volunteers interested in learning the ATC-21 course on how to conduct “Rapid Visual Screening of Buildings for Potential Seismic Hazards”.

 

The training describes a rapid visual screening procedure for identifying those buildings that might pose serious risk of loss of life and injury, or of severe curtailment of community services, in case of a damaging earthquake. The screening procedure utilizes a methodology based on a "sidewalk survey" approach that involves identification of the primary structural load resisting system and building materials, and assignment of a basic structural hazards score and performance modification factors based on observed building characteristics. This training is for professionals in the construction and building inspection fields who will volunteer their time to conduct inspections.

 

Tuesday, February 7, 2006

 

This is the anniversary of one the largest earthquakes to occur on the continental United States.  Located near Fulton County, Kentucky, it was the second strongest of three quakes to occur between December 16, 1811 and February 7, 1812.

 

At 10:07 the statewide Duck, Cover and Hold drill will occur.  It will involve activation of the Emergency Alert System from the State Emergency Communications Center and activation of the National Weather Service Weather Alert System to announce the drill.  While the Duck, Cover and Hold drill is primarily an exercise for schools in Kentucky, it is also the desire to have Kentuckians in private residences, small and large businesses, industry, and local and state government take a moment to consider how they would respond to an earthquake.

 

For more information contact:             Steve Oglesby

KyEM Area 14 Manager

Earthquake Program Coordinator

 

90 Airport Road

Frankfort, KY  40601

Office  502-607-1658

Cell     502-330-4153

Fax     502-607-1863

Recent SBA Disater News

Economic Injury Loans for Small Businesses

SBA Disaster Assistance – Field Operations Center- East - One Baltimore Place, Suite 300 - Atlanta, GA 30308


Release Date:  August 2, 2007

Contact: Michael Lampton

Release Number: 07-588, MO 10939  

Phone:  404-347-3771

                                               

 

SBA DISASTER LOANS AVAILABLE IN KENTUCKY FOLLOWING

SECRETARY OF AGRICULTURE DISASTER DECLARATION

 

LOUISVILLE, Ky. - The U.S. Small Business Administration (SBA) announces that federal disaster loans are available to small businesses located in the counties of Ballard, Carlisle, Fulton and Hickman in the Commonwealth of Kentucky.

 

“These counties are eligible because they are contiguous to one or more primary counties in the State of Missouri.   SBA recognizes that disasters do not usually stop at the county or state lines. For that reason, counties adjacent to primary counties named in the declaration are included,” according to Frank Skaggs, Director of SBA Field Operations Center East.

 

SBA’s disaster declaration was issued as a result of a similar action taken by the Secretary of Agriculture to help farmers recover from damages and losses to crops caused by the severe freeze occurring March 30, 2007 to April 21, 2007.

 

Under this declaration, SBA’s Economic Injury Disaster Loan (EIDL) program is available to farm-related and nonfarm-related small business concerns and small agricultural cooperatives that suffered economic injury as a direct result of this disaster. Farmers and ranchers are not eligible to apply to SBA.

 

Eligible small businesses may qualify for loans up to $1.5 million.  These loans are available at a 4 percent interest rate with loan terms up to 30 years.  SBA determines eligibility for the program based on the size and type of business and its financial resources.  Loan amounts and terms are set by SBA and are based upon each applicant’s financial condition.  Under this disaster declaration, SBA cannot provide loans to agricultural producers.

 

Interested business owners should contact SBA’s Customer Service Center by calling 1-800-659-2955
(1-800-877-8339 for the hearing-impaired), Monday through Friday from 8 a.m. until 9 p.m. and Saturday 9 a.m. to 5:30p.m.EDT. Business loan applications can also be downloaded from the SBA’s website at www.sba.gov/services/disasterassistance. Completed applications should be mailed to: U.S. Small Business Administration, Processing and Disbursement Center, 14925 Kingsport Road, Fort Worth, TX 76155. 

 

Completed loan applications must be returned to SBA no later than February 26, 2008.

 

# # #

For more information about the SBA’s Disaster Loan Programs, visit our website at www.sba.gov/services/disasterassistance.

 

END 

DISASTER NEWS
                                                           Economic Injury Loans for Small Businesses
                                                                                            SBA Disaster Assistance–Field Operations Center East-One Baltimore Place, Suite 300-Atlanta, GA 30308
Release Date:   December 6, 2006                                            Contact: Michael Lampton
Release Number: 07-161, MO 10735                                               Phone:  404-347-3771
                                               
SBA DISASTER LOANS AVAILABLE FOLLOWING
SECRETARY OF AGRICULTURE DISASTER DECLARATION

PADUCAH, Ky. - The U.S. Small Business Administration (SBA) announced today that federal disaster loans are available to small businesses located in the counties of Ballard, Carlisle, Fulton, and Hickman in the Commonwealth of Kentucky.

“These counties are eligible because they are contiguous to one or more primary counties in the State of Missouri.   SBA recognizes that disasters do not usually stop at the county or state lines. For that reason, counties adjacent to primary counties named in the declaration are included,” according to Frank Skaggs, Director of SBA Field Operations Center East.

SBA’s disaster declaration was issued as a result of a similar action taken by the Secretary of Agriculture to help farmers recover from damages and losses to crops caused by severe storm, including high winds, tornadoes and excessive rainfall that occurred on September 22, 2006.
 
Under this declaration, SBA’s Economic Injury Disaster Loan (EIDL) program is available to farm-related and nonfarm-related small business concerns and small agricultural cooperatives that suffered economic injury as a direct result of this disaster.  Farmers and ranchers are not eligible to apply to SBA.
 
Eligible small businesses may qualify for loans up to $1.5 million.  These loans are available at a 4 percent interest rate with loan terms up to 30 years.  SBA determines eligibility for the program based on the size and type of business and its financial resources.  Loan amounts and terms are set by SBA and are based upon each applicant’s financial condition.  Under this disaster declaration, SBA cannot provide loans to agricultural producers.
 
“SBA can help these small businesses overcome their economic injuries by offering these working capital loans, but the help cannot start until they apply,” Skaggs added.

Interested business owners should contact SBA’s Customer Service Center by calling 1-800-659-2955
(1-800-877-8339 for the hearing-impaired), Monday through Saturday from 8 a.m. until midnight (EST).   Business loan applications can also be downloaded from the SBA’s website at www.sba.gov/services/disasterassistance. Completed applications should be mailed to: U.S. Small Business Administration, Processing and Disbursement Center – 14925 Kingsport Road, Fort Worth,
TX 76155. 

Completed loan applications must be returned to SBA no later than July 16, 2007.

# # #

For more information about the SBA’s Disaster Loan Programs, visit our website at www.sba.gov/services/disasterassistance.

                                       END

**********************************************************************

DISASTER  NEWS
Loans for Homeowners, Renters and Businesses of all Sizes 
                                                                                                   SBA Disaster Assistance – Field Operations Center- East - One Baltimore Place, Suite 300 - Atlanta, GA 30308
____________________________________________________________________________________________________________________________________________ 
Release Date:  November 24, 2006
Contact: Michael Lampton     Phone: (404)-347-3771
Release Number: 07-131, KY 10670/10671                                                             
                                     
SBA DEADLINE APPROACHING TO APPLY FOR ASSISTANCE

LEXINGTON, Ky. – The U.S. Small Business Administration (SBA) is reminding homeowners, renters, non-profit organizations and businesses that one month remains to submit disaster loan applications for damage caused by severe storms and flooding that occurred September 22 - 29, 2006.  The deadline to file an application for physical damage is December 26, 2006.   Homeowners, renters, non-profit organizations and businesses that sustained physical damage in the counties of Fayette, Fulton, Hardin and Woodford and the contiguous counties of Anderson, Bourbon, Breckinridge, Bullitt, Clark, Franklin, Grayson, Hart, Hickman, Jefferson, Jessamine, Larue, Madison, Meade, Mercer, Nelson, and Scott in the Commonwealth of Kentucky; the contiguous county of Harrison in the State of Indiana; the contiguous counties of Mississippi and New Madrid in the State of Missouri; and the counties of Lake and Obion in the State of Tennessee are eligible to apply.

SBA offers loans up to $200,000 to repair disaster damaged primary residences. Homeowners and renters are eligible for loans up to $40,000 to replace personal property such as furniture, appliances and clothing. Loans to businesses of all sizes and non-profit organizations are available up to $1.5 million to repair damage to real estate, machinery, inventory and equipment. Economic Injury Disaster Loans (EIDLs) are also available to small businesses unable to pay bills or meet operating expenses because of the disaster.

Interest rates can be as low as 3.125 percent for homeowners and renters and 4.000 percent for businesses with terms up to 30 years. Loan amounts and terms are set by SBA and are based upon each applicant’s financial condition.

Additionally, disaster victims with insurance should not wait for an insurance settlement before applying to SBA.  If a victim does not know how much of their loss will be covered by insurance or other sources, SBA will consider making a loan for the total loss up to its loan limits, provided the borrower agrees to use insurance proceeds to reduce or repay their SBA loan. 

SBA also offers mitigation funds to disaster victims who have approved physical loans. SBA’s mitigation funds are designed to help borrowers fund protective measures which may prevent damages of the same kind from recurring in the future.  To help fund these protective measures, borrowers may request an additional 20 percent of their approved loan amount. 

Disaster victims may obtain an application by calling the SBA’s Customer Service Center at
1-800-659-2955 (1-800-877-8339 for the hearing-impaired), Monday through Saturday from 8 a.m. until 12 a.m. (Midnight) and Sunday from 12 p.m. (noon) until 12 a. m. (midnight) EST.  Business loan applications can also be downloaded from the SBA website at www.sba.gov/services/disasterassistance.  Completed applications should be mailed to: U.S. Small Business Administration, Processing and Disbursement Center, 14925 Kingsport Road, Fort Worth, TX. 76155.

The filing deadline to return applications for property damage is December 26, 2006.  The deadline to return economic injury applications is July 25, 2007.  
# # #
For more information about the SBA’s Disaster Loan Programs, visit our website at www.sba.gov/services/disasterassistance

****************************************************

DISASTER NEWS
Loans for Homeowners, Renters and Businesses of all Sizes

                                                                                           SBA Disaster Assistance – Field Operations Center- East - One Baltimore Place, Suite 300 - Atlanta, GA 30308 

Release Date:  October 30, 2006
Release Number: 07-068, KY 10670/10671    
Contact: Michael Lampton  Phone: 404-347-3771

SBA ANNOUNCES NEW HOURS FOR THE KENTUCKY DISASTER OUTREACH CENTERS

LOUISVILLE, Ky. – The U.S. Small Business Administration (SBA) announces that the Disaster Loans Outreach Centers are now open for homeowners, renters, non-profit organizations and businesses in Fayette, Fulton, Hardin and Woodford counties and the contiguous counties of Anderson, Bourbon, Breckinridge, Bullitt, Clark, Franklin, Grayson, Hart, Hickman, Jefferson, Jessamine, Larue, Madison, Meade, Mercer, Nelson, and Scott in the Commonwealth of Kentucky; the contiguous county of Harrison in the State of Indiana; the contiguous counties of Mississippi and New Madrid in the State of Missouri; and the counties of Lake and Obion in the State of Tennessee that sustained damage due to the severe storms and flooding that occurred September 22 - 29, 2006.
 
To apply for assistance, victims may visit one of the SBA temporary Disaster Loan Outreach Centers.  SBA Representatives will be on hand to answer questions and issue the applications Monday – Friday until further notice and for one Saturday only, November 4, from 9 a.m.  to 1 p.m.

The Centers are located in the following communities and will open on the indicated days and times:

Fayette County
 
Environmental & Emergency Management
166 North Martin Luther King Blvd.
Lexington, KY  40507
Hours:   Monday-Friday; 8 a.m. – 5 p.m.
Open:     Saturday, Nov. 4; 9 a.m. – 1 p.m.
               (one Saturday only)


Hardin County

Emergency Services Building
1450 Rineyville Road
Elizabethtown, KY  42701
Hours:   Monday-Friday; 9 a.m. – 6 p.m.
Open:     Saturday, Nov. 4; 9 a.m. – 1 p.m.
               (one Saturday only)
 Fulton County

City Hall
101 Nelson Tripp Place
Fulton, KY  42041
Hours:   Monday-Friday; 8 a.m. – 4 p.m.
Open:     Saturday, Nov. 4; 9 a.m. – 1 p.m.
               (one Saturday only)

Woodford County

County Court House
103 South Main Street
Versailles, KY  40383
Hours:   Monday-Friday; 8 a.m. – 5 p.m.
Open:     Saturday, Nov. 4; 9 a.m. – 1 p.m.
               (one Saturday only)


 “We thought it was important to have our staff available also Saturday, November 4 to help small business owners who need assistance.  Providing individual assistance is an important part of what we do to help people recover from a disaster,” said Frank Skaggs, Director of SBA Field Operations Center East.

-more-

 

Page 2
SBA DISASTER ASSISTANCE CENTER IS OPEN SATURDAY, NOVEMBER 4


Eligible small businesses may qualify for loans up to $1.5 million. These loans are available at a 4 percent interest rate with loan terms up to 30 years.  SBA determines eligibility for the program based on the size and type of business and its financial resources.  Loan amounts and terms are set by SBA and are based upon each applicant’s financial condition. 

“SBA can help these small businesses overcome their economic injuries by offering these working capital loans, but the help cannot start until they submit an SBA Disaster Loan application to us”, Skaggs added.

Applications and program information are also available by calling the SBA’s Customer Service Center at 1-800-659-2955 (for the hearing impaired 1-800-877-8339); Monday through Saturday from 8 a.m. until 12 a.m. (midnight) and Sunday from 12 p.m. (noon) to 12 a.m. (midnight) EDT.   For further information
on the qualifications for this loan, or to download the SBA Disaster Business Loan application, visit our website at: www.sba.gov/disaster. Completed applications should be returned to the Disaster Loan Outreach Centers or mailed to: U.S. Small Business Administration, Processing and Disbursement Center, 14925 Kingsport Road, Ft. Worth, TX. 76155.

The filing deadline to return applications for property damage is December 26, 2006.  The deadline to return economic injury applications is July 25, 2007. 


# # #

For more information about the SBA’s Disaster Loan Programs, visit our website at www.sba.gov/disaster

**************************************************************

---Release Date:  October 26, 2006                                                                                 Contact:  Michael Lampton
Release Number:  07-064, KY 10670/10671           Phone:  (404) 347-3771

 

SBA Offers Disaster Assistance To Kentucky Residents Affected
By Severe Storms and Flooding

WASHINGTON – Steven C. Preston, Administrator of the U.S. Small Business Administration (SBA) announced that low-interest disaster loans will be made to Kentucky residents affected by the severe storms and flooding that occurred September 22 - 29, 2006.

Administrator Preston took this action following an October 18 letter from Kentucky Governor Ernie Fletcher requesting a disaster declaration by SBA.  The declaration covers Fayette, Fulton, Hardin and Woodford counties and the neighboring counties of Anderson, Bourbon, Breckinridge, Bullitt, Clark, Franklin, Grayson, Hart, Hickman, Jefferson, Jessamine, Larue, Madison, Meade, Mercer, Nelson, and Scott in the Commonwealth of Kentucky; the contiguous county of Harrison in the State of Indiana; the contiguous counties of Mississippi and New Madrid in the State of Missouri; and the counties of Lake and Obion in the State of Tennessee.
 
“We look forward to working with Kentucky and the people affected by the severe storms and flooding to make SBA disaster loans available to homeowners, renters and businesses,” said Administrator Preston.

Frank Skaggs, Director of Disaster Field Operations Center East said, “Loans up to $200,000 are available to homeowners to repair or replace damaged or destroyed real estate.  Homeowners and renters are eligible for up to $40,000 to repair or replace damaged or destroyed personal property.   SBA customer service representatives will be on hand at the following Disaster Loan Outreach Centers to issue loan applications, answer questions about SBA’s disaster loan program, explain the application process and help individuals complete their application.”
 
The Centers will be located in the following communities and will open on the indicated days and times:

Fayette County
 
Environmental & Emergency Management
166 North Martin Luther King Blvd.
Lexington, KY  40507
Opens:   Friday, October 27, from 1 p.m. – 5 p.m.
Hours:   Monday-Friday; 8 a.m. – 5 p.m.
              Saturday; 9 a.m. – 1 p.m.(one Saturday only)

Hardin County

Emergency Services Building
1450 Rineyville Road
Elizabethtown, KY  42701
Opens:   Friday, October 27, from 1 p.m. – 5 p.m.
Hours:   Monday-Friday; 9 a.m. – 6 p.m.
              Saturday; 9 a.m. – 1 p.m.(one Saturday only)
 Fulton County

City Hall
101 Nelson Tripp Place
Fulton, KY  42041
Opens:   Friday, October 27, from 1 p.m. – 5 p.m.
Hours:   Monday-Friday; 8 a.m. – 4 p.m.
              Saturday; 9 a.m. – 1 p.m.(one Saturday only)

Woodford County

County Court House
103 South Main Street
Versailles, KY  40383
Opens:   Friday, October 27, from 1 p.m. – 5 p.m.
Hours:   Monday-Friday; 8 a.m. – 5 p.m.
              Saturday; 9 a.m. – 1 p.m.(one Saturday only)


SBA Offers Disaster Assistance To Kentucky  Residents Affected
By Severe Storms and Flooding

Steven Ayers, SBA’s Kentucky District Director, stresses that these “low-interest Federal disaster loans are available to homeowners, renters, businesses of all sizes and private, non-profit organizations whose property was damaged or destroyed by the incident.”

Businesses of any size and private non-profit organizations may borrow up to $1.5 million to repair or replace damaged or destroyed real estate, machinery and equipment, inventory, and other business assets.  SBA can also lend additional funds to help with the cost of making improvements that protect, prevent or minimize the same type of disaster damage from occurring in the future. 

For small businesses only, SBA offers Economic Injury Disaster Loans (EIDLs) to help meet working capital needs caused by the disaster.  EIDL assistance is available regardless of whether the business suffered any property damage.

Individuals and businesses unable to visit SBA in person may obtain information and loan applications by calling toll free (800) 659-2955.  Hearing impaired individuals may call (800) 877 8339. 

The filing deadline to return applications for property damage is December 26, 2006.  The deadline to return economic injury applications is July 25, 2007. 

###

For more information about the SBA’s Disaster Loan Programs, visit our website at www.sba.gov/disaster

 


--------------------------------------------------------------   
U. S. SMALL BUSINESS ADMINISTRATION
DISASTER LOANS - FACT SHEET

                              
Declaration:  Commonwealth of Kentucky #10670 & #10671

Disaster:  # KY - 00008     Incident:  Damages caused by Severe Storms and Flooding

           Occurred:  September 22, 2006 through September 29, 2006

                   Application Filing Deadlines:

    Physical Damage:  December 26, 2006    Economic Injury:  July 25, 2007


Whether you rent or own your own home, own your own business, or own a small agricultural cooperative located in a declared disaster area, and are the victim of a disaster, you may be eligible for financial assistance from the U.S. Small Business Administration (SBA). 

What Types of Disaster Loans are Available?

• Home Disaster Loans – Loans to homeowners or renters to repair or replace disaster damaged real estate or personal property owned by the victim.  Renters are eligible for their personal property losses, including automobiles.

• Business Physical Disaster Loans – Loans to businesses to repair or replace disaster-damaged property owned by the business, including real estate, inventories, supplies, machinery and equipment.  Businesses of any size are eligible.  Non-profit organizations such as charities, churches, private universities, etc., are also eligible.

• Economic Injury Disaster Loans (EIDL) – Loans for working capital to small businesses and small agricultural cooperatives to assist them through the disaster recovery period.  EIDL assistance is only available to applicants and their owners who cannot provide for their own recovery from non-government sources.  Farmers, ranchers, nurseries, religious and nonprofit organizations are not eligible for an EIDL.

What are Mitigation Loans?

If your loan application is approved, you may be eligible for additional funds to cover the cost of improvements that will protect your property against future damage.  Examples of improvements include retaining walls, seawalls, sump pumps, etc.  Mitigation loan money would be in addition to the amount of the approved loan, but may not exceed 20 percent of the approved loan amount.  It is not necessary for the description of improvements and cost estimates to be submitted with the application.  SBA approval of the mitigating measures will be required before any loan increase.

What are the Credit Requirements?

• Credit History – Applicants must have a credit history acceptable to SBA.

• Repayment – Applicants must show the ability to repay all loans.

• Collateral – Collateral is required for physical loss loans over $10,000 and all EIDL loans over $5,000.  SBA takes real estate as collateral when it is available.  SBA will not decline a loan for lack of collateral, but requires you to pledge what is available.

What are the Interest Rates?

By law, the interest rates depend on whether each applicant has Credit Available Elsewhere.  An applicant does not have Credit Available Elsewhere when SBA determines the applicant does not have sufficient funds or other resources, or the ability to borrow from non-government sources, to provide for its own disaster recovery.  An applicant, which SBA determines to have the ability to provide for his or her own recovery is deemed to have Credit Available Elsewhere.  Interest rates are fixed for the term of the loan, are determined by formulas set by law, and may vary from disaster to disaster with market conditions.  Currently (for disasters, which occurred on or after July 24, 2006) the applicable interest rates are:

          No Credit Available          Credit Available
                  Elsewhere              Elsewhere 

  Home Loans    3.125%    6.250%
  Business Loans    4.000%    7.934%
  Non-Profit Organizations   4.000%    5.000%
  Economic Injury Loans   4.000%       N/A

 

What are Loan Terms?

The maximum term is 30 years.  However, the law restricts businesses with credit available elsewhere to a maximum 3-years term.  SBA sets the installment payment amount and corresponding maturity based upon each borrower’s ability to repay.


What are the Loan Amount Limits?

• Home Loans – SBA regulations limit home loans to $200,000 for the repair or replacement of real estate and $40,000 to repair or replace personal property.   Subject to these maximums, loan amounts cannot exceed the verified uninsured disaster loss.

• Business Loans – The law limits business loans to $1,500,000 for the repair or replacement of real estate, inventories, machinery, equipment and all other physical losses.  Subject to this maximum, loan amounts cannot exceed the verified uninsured disaster loss.

• Economic Injury Disaster Loans (EIDL) – The law limits EIDL(s) to $1,500,000 for alleviating economic injury caused by the disaster.  The actual amount of each loan is limited to the economic injury determined by program standards, less business interruption insurance and other recoveries up to the administrative lending limit.  SBA also considers potential contributions that are available from the business and/or its owner(s) or affiliates.

• Business Loan Ceiling – The $1,500,000 statutory limit for business loans applies to the combination of physical and economic injury, and applies to all disaster loans to a business and its affiliates for each disaster.  If a business is a major source of employment, SBA has the authority to waive the $1,500,000 statutory limit.

What Restrictions are there on Loan Eligibility?

• Uninsured Losses – Only uninsured or otherwise uncompensated disaster losses are eligible.  Any insurance proceeds which are required to be applied against outstanding mortgages are not available to fund disaster repairs and do not reduce loan eligibility.  However, any insurance proceeds voluntarily applied to any outstanding mortgages do reduce loan eligibility.

• Ineligible Property – Secondary homes, personal pleasure boats, airplanes, recreational vehicles and similar property are not eligible, unless used for business purposes.  Property such as antiques and collections are eligible only to the extent of their functional value.  Amounts for landscaping, swimming pools, etc., are limited.

• Noncompliance – Applicants who have not complied with the terms of previous SBA loans are not eligible.  This includes borrowers who did not maintain flood and/or hazard insurance on previous SBA or Federally Insured loans.

Is There Help Available for Refinancing?

• SBA can refinance all or part of prior mortgages that are evidenced by a recorded l