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The Declaration Process: Requests for Preliminary Damage Assessment (PDA), Requests for Supplemental Federal Disaster Assistance, Appeals, and Requests for Cost Share Adjustments

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Damage Assessment Operations
Manual
A Guide to Assessing Damage and Impact
April 5, 2016

FEMA’s mission is to support our citizens
and first responders to ensure that as a nation we work together to
build, sustain, and improve our capability to prepare for, protect
against, respond to, recover from,
and mitigate all hazards.

The Department of Homeland Security Federal Emergency Management Agency (FEMA) has
developed four levels of operational guidance for use by emergency management teams and
other personnel involved in conducting or supporting disaster operations. This manual
corresponds with Level 2, defined and formatted in bold italics.
Level 1 -

Overview: A brief concept summary of a disaster-related function, team, or
capability

Level 2 -

Standard Operating Procedures (SOP) or Operations Manual:
A complete reference manual, detailing the procedures for performing a single
function (Standard Operating Procedure), or a number of interdependent
functions (Ops Manual)

Level 3 -

Field Operations Guide (FOG): A durable pocket or desk guide, containing
essential fundamental information needed to perform specific assignments or
functions

Level 4 -

Job Aid: A checklist or other aid for job performance or job training

This manual is consistent with and supports the current plans and procedures of the National
Response Framework (NRF) for implementation of the Robert T. Stafford Disaster Relief and
Emergency Assistance Act, as amended, 42 U.S.C. § 5121 et seq. and its implementing
regulations in Title 44, Chapter I of the Code of Federal Regulations (CFR) Emergency
Management and Assistance.

Record of Changes
Change No.
1

Copy No.

Date Entered

Posted By

1

04/05/2016

Tamara Theiler

Contents
INTRODUCTION .......................................................................................................................................................1
Background .....................................................................................................................................................1
Intended Audience...........................................................................................................................................1
Authorities .......................................................................................................................................................2
US National Grid .............................................................................................................................................2
Recovery Program Overview ..........................................................................................................................3
FEMA PA Program ..............................................................................................................................3
FEMA IA Programs..............................................................................................................................3
CONCEPT OF OPERATIONS ..................................................................................................................................4
Pre-Incident Readiness ....................................................................................................................................4
Local or County Damage Assessment .............................................................................................................4
State or Tribal Government Verification .........................................................................................................5
Joint Preliminary Damage Assessment ...........................................................................................................6
Request for Federal Assistance .......................................................................................................................7
ROLES AND RESPONSIBILITIES ..........................................................................................................................9
Local or County Roles and Responsibilities....................................................................................................9
State or Tribal Government Roles and Responsibilities ................................................................................ 10
State or Tribal Government Public Assessment Team ........................................................................ 11
State or Tribal Government Individual Assessment Team .................................................................. 12
FEMA Regional Office Roles and Responsibilities ...................................................................................... 13
FEMA Damage Assessment Team Roles and Responsibilities..................................................................... 14
FEMA Public Assistance Damage Assessment Team ......................................................................... 14
FEMA Individual Assistance Damage Assessment Team ................................................................... 15
FEMA Support Personnel and Technical Experts .............................................................................. 16
Small Business Administration Damage Assessment Team ................................................................ 17
Other................................................................................................................................................... 17
EVALUATING DAMAGE AND IMPACT FOR FEMA PUBLIC ASSISTANCE PROGRAM ...................... 19
Estimated Cost of Assistance ........................................................................................................................ 19
Identifying Potential Applicants and Damaged Facilities .................................................................. 20
Documenting Damage, Work, and Cost ............................................................................................. 22
Insurance Coverage in Force ......................................................................................................................... 39
Programs of Other Federal Agencies (OFA’s) .............................................................................................. 40
Capturing Localized Impact .......................................................................................................................... 42
Hazard Mitigation ......................................................................................................................................... 43
Recent Multiple Disasters ............................................................................................................................. 43

EVALUATING DAMAGE AND IMPACT FOR FEMA INDIVIDUAL ASSISTANCE PROGRAMS ........... 44
Evaluating and Documenting Damage to Homes .......................................................................................... 44
Cause of Damage ............................................................................................................................... 44
Jurisdictions Impacted and Concentration of Damage ...................................................................... 45
Types of Homes .................................................................................................................................. 45
Homeownership Rates of Impacted Homes ........................................................................................ 46
Percentage of Impacted Households with Insurance Coverage Appropriate to the Peril .................. 47
Number of Homes Impacted and Degree of Damage ......................................................................... 49
Red Cross Damage or Disaster Assessment (DA) Information .......................................................... 59
Information Collected to Document Impact .................................................................................................. 60
Concentration of Damage .................................................................................................................. 60
Trauma ............................................................................................................................................... 61
Impact to populations with greater need ............................................................................................ 62
Local, State or Tribal Government ..................................................................................................... 63
Uninsured/Underinsured Home and Personal Property Losses......................................................... 67
Other Relevant Impact Data ............................................................................................................... 67
DAMAGE ASSESSMENT METHODS .................................................................................................................. 68
Factors That Influence Assessment Methods Used ....................................................................................... 68
Typical Damage and Impact Assessment Methods ....................................................................................... 69
INTEGRATION OF GEOSPATIAL ANALYSIS AND TECHNOLOGY .......................................................... 74
INTEGRATION OF MOBILE TECHNOLOGY................................................................................................... 79
APPENDIX A: ROLES AND RESPONSIBILITIES ............................................................................................. 80
APPENDIX B: PA DAMAGE ASSESSMENT CATEGORY OF WORK CHECKLISTS ................................ 97
APPENDIX C: PA PNP PROGRAM REQUIREMENTS ................................................................................... 110
APPENDIX D: PA SITE SHEET EXAMPLE ...................................................................................................... 112
APPENDIX E: IA DAMAGE ASSESSMENT MATRIX .................................................................................... 113
APPENDIX F: IA INSURANCE MATRIX .......................................................................................................... 115
APPENDIX G: IA GIS PRODUCT EXAMPLES ................................................................................................ 117
APPENDIX H: IA STREET SHEET EXAMPLE ................................................................................................ 121

Introduction

Introduction
The FEMA Damage Assessment Operations Manual is intended to expedite decision-making and
the delivery of assistance by defining national standards for assessing damage and clearly
outlining the information considered when evaluating requests for a Major Disaster Declaration.
To support this overall objective, this manual aims to achieve three major goals:
1. Promote accuracy by clearly defining the information and documentation that should be
collected to assess damage and support requests for Stafford Act assistance;
2. Promote consistency by standardizing the criteria used to assess damage to residential homes
and offering clear guidance on assessing damage to infrastructure;
3. Promote efficiency by empowering emergency management at all levels with the structure and
information needed to streamline damage assessment efforts.

Following rare incidents of unusual severity, rapid assessment methods not outlined in this
document may be used to determine the need for Stafford Act assistance. When this is the case,
assessment methods described in this document will still be used after the declaration to
determine unmet needs and organize operational resources.

Background
Previous damage assessment manuals, standard operating procedures, tools, and job aids
developed by FEMA have focused on the role of agency personnel in validating damage and
impact information. While these documents have served as comprehensive training and reference
materials for Federal members of Joint Preliminary Damage Assessments (PDA) teams, they did
not address the important role played by local, State, and Tribal Governments in assessing
damage and impact.
This manual has been written with an understanding that the goals of accuracy, consistency and
efficiency cannot be accomplished unless the entire emergency management team is engaged and
empowered. By outlining the specific damage and impact information required to support a
request for Federal assistance and explaining how that information is evaluated, this manual will
empower emergency managers at all levels. Additionally, this manual is intended to serve as a
foundation for developing consistent job-aids and training. This multi-faceted team-based
approach is intended to support the rapid development of information needed by State and Tribal
leadership to request a Major Disaster Declaration from the President.

Intended Audience
This manual is intended for emergency management practitioners as well as private sector and
non-governmental stakeholders who have a role in assessing damage and impacts and/or
requesting disaster assistance.

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Introduction

Authorities
The damage assessments, Presidential disaster declaration requests, and evaluation factors for
Major Disaster and Emergency Declarations are based on a hierarchy of statute, regulations, and
policies. Specific authorities related to the damage assessment process include:
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Robert T. Stafford Disaster Relief and Emergency Assistance Act. Public Law 93-288, as
amended, 42 U.S.C. §§ 5121 et seq.
Public Assistance Program and Policy Guide, FP 104-009-2 (Jan. 2016)
Title 44 of the Code of Federal Regulations (CFR), Emergency Management and Assistance
Homeland Security Act (Public Law 107-296, as amended, 6 U.S.C. §§ 101 et seq.)
Homeland Security Presidential Directive 5 (HSPD-5), Directive on Management of Domestic
Incidents, February 28, 2003
National Response Framework, May 2013
National Incident Management System, December 2008
FEMA Publication 1, November 2010
Incident Management and Support Keystone, January 2011
Presidential Policy Directive 8 (PPD-8), National Preparedness, March 30, 2011
National Disaster Recovery Framework, September 2011
National Mitigation Framework, May 2013
Use of the United States National Grid (USNG), FEMA Directive 092-5

US National Grid
The US National Grid (USNG) is a nationally recognized grid reference system that quickly
enables users to identify and communicate geographic areas or specific locations of interest.
USNG creates a nationally consistent “language of location” by providing a system that is
seamless across jurisdictional boundaries. It may be the only unambiguous way to describe
locations when the end-user is operating either in an area away from the established road
network, or in an area impacted by a natural disaster where road signs have been destroyed.
USNG is largely intended for positional reporting and ground operations, but can also be used
for aggregating data to display its distribution over a given geographic area. Since it is a uniform
and continuous grid, it is well-suited for summarizing point data over a large area for display on
maps or mapping systems.
FEMA currently uses USNG in many of its programs. It is used to coordinate and track ground
teams for Urban Search & Rescue (USR), PDA, and Disaster Survivor Assistance Teams. It is
also used in mapping products to display concentrations of observed damage and applicants for
IA.

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Introduction

Recovery Program Overview
A Stafford Act declaration triggers FEMA’s broad statutory authorities to provide assistance.
Depending on the programs authorized, this may include assistance to individuals and
households, assistance to government and
eligible private nonprofits, and assistance
Familiarity with the FEMA
for mitigation activities to protect against
Recovery programs can be helpful in
future hazards.
understanding the kind of
Familiarity with the FEMA Recovery
information that is used to evaluate
Programs Individual Assistance (IA) and
requests for a Major Disaster
Public Assistance (PA) can be helpful in
Declaration.
understanding the reasoning behind the
information that is used to evaluate requests for Federal disaster assistance. The programmatic
overview in this section is intended to help develop this understanding. In the next two sections,
we will discuss FEMA's PA and IA programs in more detail.
FEMA PA Program
The FEMA PA program provides assistance to local, State and Tribal Governments, and certain
types of private nonprofit (PNP) organizations to remove debris, provide emergency protective
measures, and restore equipment, buildings, and other infrastructure damaged by the disaster.
FEMA IA Programs
FEMA IA programs provide assistance to support the recovery of disaster survivors who have
uninsured or underinsured necessary expenses and serious needs. This may include assistance for
temporary housing and housing repairs, critical disaster related expenses, and the replacement of
essential personal property. Through its IA programs, FEMA may also provide funding to the
State or Tribal Government to support programs that address crisis counseling (CCP), disaster
case management (DCM), disaster legal services (DLS), and disaster unemployment assistance
(DUA).

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Concept of Operations

Concept of Operations
Disasters and their effects vary by event and by community. While it is not possible to create a
one-size-fits-all approach to damage assessment, this Concept of Operations (CONOPS) is
intended to promote effective time-phased coordination between emergency management
stakeholders at all levels.
It should be noted that while the timelines for individual phases described in this section are not
defined, and may at times run concurrently, 44 CFR § 206.36 requires that a request for a
Stafford Act declaration must be submitted within thirty days of the incident in order to be
considered. The 30-day period may be extended by the Associate Administrator for the Office of
Response and Recovery, provided that a written request, to include a justification, for an
extension is submitted during this 30-day period.

Pre-Incident Readiness
As with all emergency management planning
As a best practice, some
and readiness activities, being prepared to
jurisdictions develop pre-disaster
conduct effective, and efficient damage
infrastructure inventories or use
assessments begins by developing an
planning and zoning maps to
understanding of risks, requirements, and
current capacities. Information gathering and
expedite analysis following a
analysis through Geographic Information
disaster.
System (GIS) and other technologies can be
used to identify high-risk areas and develop event triggers for planning and operational decisionmaking.
Emergency managers often maximize time and resources available to conduct damage
assessments by forming damage assessment teams made up of non-emergency management
office staff or personnel who do not have responsibilities immediately following a disaster. Once
identified, damage assessment team members should be trained to collect damage information
according to standards defined in later sections of this document in order to expedite analysis and
decision-making.
Once personnel are selected and processes are established, practitioners at all levels can employ
the planning, training, and exercise cycle to build capacity and refine operations.

Local or County Damage Assessment
Not every incident will require detailed information beyond what is available through general
monitoring. As an example, minimal damage that commonly results from rainstorms or small
earthquakes may not need any further assessment, because supplemental assistance likely will
not be necessary. If, however, it is determined that more in-depth information is needed,
emergency managers in impacted jurisdictions should coordinate with county, State, or Tribal

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Concept of Operations
emergency management, as appropriate, to discuss the type of assessment that is needed,
timelines, and coordinate damage reporting.
Field assessments conducted by local or county damage assessment teams should be focused on
capturing damage information discussed in this document. State or Tribal emergency
management should work with local emergency managers to ensure the IA assessment criteria
and/or that the information and documentation used during PA assessments is understood. Some
State or Tribal Governments are able to offer further support to local or county assessment
efforts through the deployment of programmatic and/or technical subject matter experts (SME)
that can answer questions and improve coordination.
Once local or county assessment teams have completed their assessments, the information
collected should be provided to the State or Tribal Government. This information can then be
aggregated with similar information provided from other affected jurisdictions, State or Tribal
agencies, utility cooperatives, and non-governmental organizations (NGO).

State or Tribal Government Verification
State or Tribal emergency management should, in some manner, verify the information
submitted by local or county emergency management is complete and consistent with
programmatic assessment criteria prior to
requesting a Joint Federal, State or Tribal
It is not anticipated that all
Government Preliminary Damage
occurrences will result in a
Assessment (hereinafter referred to as
requirement for assistance; therefore
Joint PDA). This verification process can
the State or Tribal Government will
have a dramatic impact on accuracy and
be expected to verify their initial
efficiency, and is essential to ensure that
information, in some manner, before
impacted jurisdictions are organized and
prepared to participate in a Joint PDA.
requesting a Joint PDA.
Ideally information submitted by local and
county emergency managers can be verified remotely; however this phase often requires followup and/or in-person site visits. Many States and Tribal Governments use staff assigned to district
offices to support verification efforts.
Technical assistance may be requested from FEMA, prior to a request for a Joint PDA, to
support State or Tribal Government efforts to evaluate the information submitted by local
jurisdictions and analyze the need for a Joint PDA. This technical assistance support may include
GIS Analysts, Program Specialists, or other SMEs necessary to advise State or Tribal emergency
management and answer programmatic questions.
Once information has been verified and impacted jurisdictions are prepared, State or Tribal
emergency managers should coordinate with their leadership for action, and notify the FEMA
Regional office for awareness.

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Concept of Operations

Joint Preliminary Damage Assessment
If the incident is of a severity and magnitude that resources needed to recover are expected to
exceed local and State or Tribal Government capability, the Director of the State or Tribal
emergency management agency may request a Joint PDA from the appropriate FEMA Regional
Administrator (RA) to validate damage and evaluate impact. This request should include any
counties or Tribal lands to be assessed, and will begin discussion on the general timeline for the
Joint PDA.
Once a request for a Joint PDA is made, a
Joint FEMA State or Tribal
summary of the information verified by the
Government Preliminary Damage
State or Tribal emergency management
Assessments are intended to
should be provided to the FEMA Regional
validate information - not to find
Recovery Division. FEMA programmatic
representatives should coordinate with State
damage.
or Tribal emergency management to discuss
the information submitted, determine team requirements, establish a PDA briefing time and
location and develop an overall PDA coordination plan.
Once a Joint PDA start date is agreed upon, State or Tribal emergency management should
coordinate with counties or Tribal jurisdictions included in the Joint PDA request to schedule
field assessments. This will give local or county emergency managers the time needed to
coordinate with impacted jurisdictions so that personnel necessary to answer questions can be
made available and efficient routes for field assessments can be planned.
The FEMA Regional office will identify FEMA Joint PDA leadership, deploy staff, and
coordinate with Other Federal Agencies (OFAs) (e.g. U.S. Small Business Administration)
needed to successfully complete the PDA. State or Tribal emergency management should
identify Joint PDA leadership as well as staff that can serve on Joint PDA field teams. In large or
catastrophic disasters or when OFAs may be deployed for a follow on NDRF Recovery
Coordination assessment, the RA or FCO may request that the regional Federal Disaster
Recovery Coordinator (FDRC) be part of the coordination and information sharing process.
Damage assessment field teams should be composed of at least one representative of the Federal
Government and one representative of the State or Tribal Government. A local government
representative, familiar with the extent and location of damage in his/her community, should also
be included, if possible. Other State or Tribal agencies, OFAs and NGOs may also be asked to
participate, as needed.
Joint PDA field teams are intended to validate – not find – damage and impact information.
State or Tribal emergency management is responsible for coordinating with local or county
emergency management to ensure that they are prepared to discuss damage and guide field teams
to residences, businesses, and/or damaged infrastructure, to conduct site visits. Generally, Joint
PDA teams ask to start with the most heavily damaged homes (IA) and infrastructure (PA), and

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Concept of Operations
work their way down; taking into account geography and travel time. When Joint PDAs are
required to validate damage for the PA program, local or county emergency managers will need
to schedule time with potential applicants to discuss damage, review supporting documentation,
and conduct site visits.
FEMA and State or Tribal Government staff should coordinate regularly during the Joint PDA to
discuss findings and reconcile any differences. While disagreements may exist, it is important
that the rationale for decision making be transparent. At the close of the Joint PDA, FEMA will
provide State or Tribal emergency management with a final summary of its findings.

Request for Federal Assistance
Once the Joint PDA has been completed, the State or Tribal emergency managers generally will
review the validated information and make a recommendation to the Governor or Chief
Executive on the need to request a Stafford Act declaration. Stafford Act declaration requests
may be developed for one or both of the FEMA Recovery programs (PA and IA), as well as
Hazard Mitigation.
All requests to the President for Stafford Act declarations must be made by the Governor of the
affected state 1 or the Chief Executive of a federally recognized Tribal Government. The
Governor or Tribal Chief Executive should submit the request to the President through the
appropriate FEMA RA to ensure prompt acknowledgement and processing.
If a State or Tribal Government decides that it does not want to request Stafford Act assistance
from the President, information developed during the Joint PDA may be used to request
assistance from OFA’s (e.g. U.S. Small Business Administration), or to determine the need for
State or Tribal Government recovery programs.

1

A State also includes the District of Columbia, Puerto Rico, the Virgin Islands, Guam, American Samoa, and the
Commonwealth of the Northern Mariana Islands. The Marshall Islands and the Federated States of Micronesia are
also eligible to request a declaration and receive assistance. Federally recognized Tribal Governments are also
eligible.

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Concept of Operations

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Roles and Responsibilities

Roles and Responsibilities
This section provides information on roles, relationships, and responsibilities damage assessment
team members have in the damage assessment process. Roles and responsibility descriptions in
this section are intended to give local, county, State or Tribal Government, and Federal
practitioners the flexibility necessary to tailor the damage assessment process to resources,
threats, populations, and stakeholders while maintaining standardization across the nation.
While it is understood that not every jurisdiction will have the current capabilities or personnel
necessary to perform all of the tasks outlined in this section, practitioners can use this
information to develop a common understanding of damage assessment roles at each level. This
uniformity will allow the development of common skills and understanding that underpin mutual
aid networks and national uniformity.
Many local jurisdictions have limited emergency management staff. As a best practice some
local jurisdictions have trained staff from non-emergency management offices to fill important
positions. Examples include: facilities personnel from public schools, local housing inspectors or
code enforcers, local community planning and economic development officials, and offices
responsible for maintaining publicly owned buildings or infrastructure. A checklist to support
staff filling various roles can be found in the Appendix A of this manual.
Note: all of the organizational charts included below represent best practices and not staffing
requirements. Position titles used in this document are intended to generically describe roles, and
may not reflect official position titles.

Local or County Roles and Responsibilities †

Expedient accurate damage assessments are built on a foundation of information gathered at the
local level. A common mistake made in the damage assessment process is the rushing of local
assessments - an error that can prolong verification and validation phases and slow the delivery
assistance.

†

The example organizational chart above is a scalable best practice. Larger disasters may require additional staff
and additional positions. Smaller jurisdictions may have one or two persons serving all the functions.

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Roles and Responsibilities
The following section has been developed based on some of the best practices already
implemented at the local and county level. Jurisdictions may have different position names;
however these roles and responsibilities should be taken into account as local or county damage
assessment teams are defined.
Local or County Damage Assessment Coordinator
The Local or County Damage Assessment Coordinator is among the most critical positions in the
damage assessment process. Generally performed by an emergency manager or designee, the
person assigned to this role is responsible for identifying and training local assessment team
members, coordinating assessment activity in the jurisdiction, and submitting information to the
county or State or Tribal Government as appropriate.
Local or County PA Damage Assessment Team Member
The Local or County PA Damage Assessment Team Members are generally representatives of
potential applicants from government offices or Private Nonprofits (PNP) that perform one of the
services defined in Appendix C. PA damage assessment team members should be familiar with
the type of work being evaluated and be able to collect information and supporting
documentation discussed in later sections.
Local or County IA Damage Assessment Team Member
The Local or County IA Damage Assessment Team Members may be representatives of
emergency management, government offices, NGOs, Community Emergency Response Team
(CERT) programs, or local residents. IA damage assessment team members should be trained in
gathering information related to location, ownership, occupancy, and insurance coverage of
impacted residences and categorizing damage according to criteria established by FEMA
discussed in later sections.

State or Tribal Government Roles and Responsibilities
State or Tribal Governments can lessen the time required to verify damage by working with local
emergency managers to assess whether the information submitted is complete and aligned with
established FEMA damage assessment standards, and by providing technical expertise to local
damage and impact assessment efforts. State or Tribal Government damage assessment
personnel also play a pivotal role during the Joint PDA, serving as State or Tribal Government
representatives on both Joint PDA leadership and field teams.

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Roles and Responsibilities

State or Tribal Government Damage Assessment Coordinator
The State or Tribal Government Damage Assessment Coordinator reports to the State or Tribal
Emergency Management Director. This Coordinator serves as the principal State or Tribal
representative overseeing damage assessment, verification, and validation activities. In addition
they are responsible for ensuring that local damage assessments are appropriately supported;
local, State or Tribal Government personnel are prepared to verify local assessment findings;
coordinating with Federal representatives during the Joint PDA; and ensuring appropriate
support is provided as requests for Federal assistance are drafted. Some of the responsibilities
given to the Coordinator may be delegated to a State or Tribal Government PA or IA Damage
Assessment Team Lead.
State or Tribal Government Public Assessment Team
State or Tribal Government PA Damage Assessment Team Lead
The State or Tribal Damage assessment Team Lead reports to the State or Tribal Government
Damage Assessment Coordinator. This Team Lead serves as the representative responsible for
overseeing damage assessment activity related to the PA program. This includes overseeing
technical programmatic support provided during local or county assessment efforts, verifying PA
related information submitted by local or county emergency managers, and serving as the

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Roles and Responsibilities
primary State or Tribal programmatic representative during the Joint PDA. During the Joint
PDA, the Team Lead serves as the State or Tribal counterpart to the FEMA PA PDA Team Lead.
State or Tribal Government PA Damage Assessment Team Member
The State or Tribal Government PA Damage Assessment Team Member reports to the State or
Tribal Government PA Damage Assessment Team Lead. This Team Member is responsible for
representing the State or Tribal Government as part of Joint PDA field assessment team. This
team member may also be deployed to provide SME or other technical support to impacted
jurisdictions during local damage assessment and State or Tribal government verification phases.
State or Tribal Government Individual Assessment Team
State or Tribal Government IA Damage Assessment Team Lead
The State or Tribal Government IA Damage Assessment Team Leader reports to the State or
Tribal Government Damage Assessment Coordinator. This Team Leader serves as the State or
Tribal Government representative responsible for overseeing damage assessment activity related
to the IA program. This includes overseeing technical programmatic support provided during
local or county assessment efforts, verifying IA related information submitted by local or county
emergency managers, and serving as the primary State or Tribal Government programmatic
representative during the Joint PDA. During the Joint PDA this Team Lead serves as the State or
Tribal Government counterpart to the FEMA IA PDA Team Lead.
State or Tribal Government IA Damage Assessment Team Member
The State or Tribal Government IA Damage Assessment Team Member reports to the State or
Tribal Government IA PDA Team Lead. This Team Member is responsible for representing the
State or Tribal Government as part of the Joint PDA. The Team Member may also be deployed
to provide SME subject matter expertise or other technical support to impacted jurisdictions
during the local damage assessment and State or Tribal Government verification phases.
State or Tribal Government Voluntary Agency Liaison
The State or Tribal Government Voluntary Agency Liaison (VAL) assigned to support damage
assessments reports to the State or Tribal Government IA Damage Assessment Team Lead. The
VAL is responsible for coordinating with NGOs including State and National Voluntary
Organizations Active in Disaster (VOAD) and/or Community Organizations Active in Disaster
(COAD) members in order to document activity and evaluate capacity of those organizations.
Close coordination with the State or Tribal Government Mass Care and Emergency Assistance
Crew Lead is recommended. This VAL may also work closely with the FEMA VAL and Mass
Care Crew Lead.
State or Tribal Government Mass Care and Emergency Assistance Specialist
The State or Tribal Government Mass Care and Emergency Assistance Specialist assigned to
support damage assessments reports to the State or Tribal Government IA Damage Assessment

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Roles and Responsibilities
Team Lead. This Specialist is responsible for documenting activity and evaluating the capacity of
OFAs and NGOs providing mass care and emergency assistance support. Close coordination
with the State or Tribal VAL is recommended. The Specialist may also work closely FEMA
VAL and the FEMA Mass Care Crew Lead, which is also recommended.

FEMA Regional Office Roles and Responsibilities
FEMA Regional Administrator (RA)
The FEMA RA is the senior executive of the Regional Office, and has direction, authority, and

control over all Regional functions and assets including area offices authorized as a component
of the Regional Office. The RA is also responsible for receiving requests from the State or
Tribal Government for Stafford Act declarations, overseeing the development of analysis, and
making a recommendation based on information provided in the RA's Validation and
Recommendation (RVAR).
FEMA Regional Recovery Division Director
The FEMA Regional Recovery Division Director reports to the FEMA RA and is responsible for
providing direction and oversight for components of the Recovery Division to include
programmatic and technical assistance provided within the Region in all phases of the damage
assessment process. This includes overseeing the deployment of Regional Division staff required
to support State or Tribal Government requests for Joint PDAs, and ensuring necessary
programmatic information is available during the development of the RVAR.
FEMA Regional PA and IA Branch Chiefs
The Regional PA and IA Branch Chiefs report to the Regional Recovery Division Director and
are responsible for providing direction and oversight of the IA or PA program. In this capacity
the Regional IA and PA Branch Chiefs are responsible for overseeing the coordination of all
actions required of their branch throughout the damage assessment process, including
coordination with the State or Tribal Government program leads, mobilization of personnel and
assets, coordination with OFAs and providing programmatic input for the RVAR.

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Roles and Responsibilities

FEMA Damage Assessment Team Roles and Responsibilities
When Joint PDAs are requested by the State or Tribal Government for both the PA and IA
programs, an overall FEMA PDA Coordinator may be identified by the FEMA Regional
Recovery Division Director to coordinate activity and maintain communication with the Region.
The FEMA PDA Coordinator is typically the Regional IA or PA Branch Chief or Deputy
Recovery Division Director. For the purpose of this description, the Coordinator will report to
the FEMA Recovery Division Director. Programmatic Team Leaders assigned to oversee IA and
PA program assessments will report to the FEMA PDA Coordinator and maintain appropriate
coordination with the Regional IA and PA Branch Chiefs to ensure programmatic considerations
are taken into account throughout the Joint PDA.
When a Joint PDA is requested for a single program (IA or PA), a programmatic PDA Team
Lead will be identified by the FEMA Regional Recovery Division Director or programmatic
Branch Chief. Programmatic PDA Team Leads are typically a senior program specialist or
specialist with considerable experience in conducting PDAs. In this scenario the programmatic
PDA Team Lead will report to the Regional IA or PA PDA Branch Chief to ensure
programmatic considerations are taken into account throughout the Joint PDA. When a Joint
PDA is requested by a Federally Recognized Tribal Government, close coordination with the
Regional Tribal Liaison will also be required.
The roles and responsibilities outlined in the remainder of this section will clarify the reporting
relationships and job responsibilities for FEMA staff as they relate to the damage assessment
process.
FEMA PDA Coordinator
The FEMA PDA Coordinator reports to the FEMA Regional Recovery Division Director and,
when assigned, serves as the principal FEMA PDA representative assigned to the Joint PDA.
The Coordinator serves as a single point of contact for FEMA Recovery Programs (IA and PA)
and ensures programmatic damage assessment leads are coordinated and supported with and by
the Regional Office. This position is typically staffed by a FEMA Regional IA or PA Branch
Chief and generally is only used when there is a request for simultaneous IA and PA PDAs.
FEMA Public Assistance Damage Assessment Team
FEMA PA PDA Team Lead
The FEMA PA PDA Team Lead reports to the FEMA PDA Coordinator or Regional PA Branch
Chief, and serves as the programmatic representative responsible for overseeing all FEMA PA
Joint PDA actions in coordination with their State or Tribal counterpart (State or Tribal PA PDA
Team Leader), and ultimately for the efficient and accurate assessment of program related
damage throughout the affected areas. The Team Lead is responsible for collecting, aggregating,
and archiving Joint PDA data from PA Field Team Members as well as formulating narratives
and tables used to document validated damage. The Team Lead must be a PA SME possessing

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Roles and Responsibilities
the requisite knowledge, skills, abilities, and field experience in all areas of the FEMA PA
program as they relate to damage assessment.
FEMA PA PDA Team Member
The FEMA PA PDA Team Member reports to the FEMA PA PDA Team Lead and is
responsible for validating damage assessments, cost estimates, and ensuring programmatic
requirements are met in the field. The Team Member and the State or Tribal Government PA
Team Member facilitate the exchange of information with local officials to ensure an accurate
and efficient collection of damage, work, cost, and program requirement information to validate
estimated program costs. The individual must have a detailed understanding of PA program
requirements as they relate to damage assessments, good understanding of construction trades,
and the ability to estimate costs for multiple types of work.
FEMA Individual Assistance Damage Assessment Team
FEMA IA PDA Team Lead
The FEMA IA PDA Team Lead reports to the FEMA PDA Coordinator or Regional IA Branch
Chief. The Team Lead serves as the programmatic representative responsible for overseeing all
FEMA IA Joint PDA actions in coordination with their State or Tribal counterpart (State or
Tribal IA PDA Team Leader), and ultimately for the efficient and accurate assessment of home
damage throughout the affected areas. The Team Lead is responsible for collecting, aggregating,
and archiving Joint PDA data from IA Field Team Members as well as formulating narratives
and tables used to document validated damage. They may also function as an IA PDA Team
Member, if the PDA is localized and roles can be combined. The Team Lead must be an IA
SME, possessing the requisite knowledge, skills, abilities, and field experience in all areas of the
FEMA IA program as they relate to damage assessment.
FEMA IA PDA Team Member
The FEMA IA PDA Team Member reports to the FEMA IA PDA Team Lead and is responsible
for validating damage to homes in the field. This Team Member and the State or Tribal
Government IA Team Member facilitate the exchange of information with local officials to
ensure an accurate and efficient collection of IA damage and impact information. The Team
Member must have a well-developed understanding of IA damage assessment criteria used to
evaluate damage to homes and the ability to identify and document disaster impacts.
FEMA Voluntary Agency Liaison Crew Leader
The FEMA VAL is assigned to support Joint PDAs report to the FEMA PDA IA Team Lead.
The FEMA VAL is responsible for coordinating with the State or Tribal Government VAL to
document activity and evaluate capacity of active NGO including State and National Voluntary
Organizations Active in Disaster (VOAD) and/or Community Organizations Active in Disaster
(COAD) members. The Mass Care Crew Lead is assigned to support Joint PDA activity, the
VAL should coordinate with them closely to ensure efficiency and effectiveness.
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Roles and Responsibilities
FEMA Mass Care Crew Lead
The FEMA Mass Care Crew Lead is assigned to support Joint PDAs report to the FEMA IA
PDA Team. The Crew Leads are responsible for coordinating with the State or Tribal
government. Mass Care Crew Leads document activity and evaluate capacity of government
agencies and NGOs providing MC/EM care and emergency assistance support. If a VAL is
assigned to support damage assessment activity, the MC/EM Crew Leads should coordinate with
them closely to avoid overlap and leverage the ability of the Mass Care Crew Lead to focus on
larger or traditional MC/EM service providers.
FEMA Support Personnel and Technical Experts
FEMA Mitigation Specialist
The FEMA Mitigation Specialists assigned to the PDA reports to the FEMA PDA Coordinator or
programmatic Team Lead. This Specialist provides information related to the National Flood
Insurance Program (NFIP) including information related to flood insurance policies and
communities that are not currently participating in the program. Additionally, they are
responsible for identifying mitigation opportunities on a site-specific, community, State or
Tribal-wide basis. In some cases Mitigation staff may conduct their own assessments. The
findings from the Mitigation Specialists will be included in the Mitigation portion of the RVAR.
FEMA Environmental and Historic Preservation Specialist
The Environmental and Historic Preservation (EHP) Specialists or a Regional Environmental
Officer (REO) assigned to the Joint PDA reports to the FEMA PDA Coordinator or
programmatic Team Lead. This Specialist ensures that environmental and historic preservation
concerns identified during the Joint PDA are understood and can be addressed at the appropriate
level of government. While this assignment is not always necessary, ready access to
environmental-related expertise is useful for a comprehensive and effective damage assessment.
The REO or representative may accompany a Joint PDA team to obtain information for the PDA
as well as for immediate and future strategic planning purposes. The REO or representative may
help facilitate potential applicant communications with Federal and State resource and regulatory
agencies as needed to address real-time emergency recovery work in sensitive habitat areas
and/or involving historic properties.
FEMA External Affairs Specialist
The FEMA External Affairs (EA) Specialists assigned to the Joint PDA report to the FEMA
PDA Coordinator, or PDA Team Lead. The EA Specialists serve as the agency’s representative
to the media for matters related to the Joint PDA. External Affairs Specialists assigned to support
Joint PDAs must maintain close communication with FEMA Regional EA to ensure they are
aware of activity and potential challenges encountered in the field.

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Roles and Responsibilities
Small Business Administration Damage Assessment Team
U.S. Small Business Administration PDA Coordinator
The U.S. Small Business Administration (SBA) PDA Coordinator coordinates with the FEMA
PDA IA Team Lead. The Coordinator serves as the agency’s representative responsible for
overseeing the coordination of all SBA PDA related activity, and ultimately for the efficient and
accurate assessment of program related damage as defined by SBA standards and policies. The
Coordinator is responsible for collecting, aggregating, and archiving PDA data from SBA PDA
Team Members and formulating narratives and tables used to document validated damage. The
Coordinator may also function as a SBA PDA Team Member, if the PDA is localized and roles
can be combined.
SBA PDA Team Member
The SBA Team Member reports to the SBA PDA Coordinator and is responsible for accurately
reporting the results of damage and impact validation surveys conducted in the field in
accordance with SBA damage assessment guidelines. The Team Member should have a good
understanding of damage caused by various types of disasters and the methods and approximate
cost required to make repairs as they apply to SBA damage assessment policy.
Other
Other Federal Agencies (OFAs)
Information provided by OFAs and NGOs is helpful in the development of efficient and
effective damage and impact information. If agency representatives are physically deployed to
support PDA activity, they will coordinate with the FEMA PDA Coordinator, or programmatic
Team Lead.
Federal Coordinating Officer
Federal Coordinating Officers (FCO) are appointed following a Stafford Act declaration to
manage the Federal response, recovery, and mitigation operations for each presidentially
declared major disaster or emergency. Understanding this responsibility, potential FCOs should
coordinate with the Regional Recovery Division Director to maintain awareness of potential
challenges that will complicate the delivery of assistance should a disaster be declared.
Federal Disaster Recovery Coordinator
In large or catastrophic disasters or when OFAs may be deployed for a follow on NDRF
Recovery Coordination assessment, the RA or FCO may request that the regional Federal
Disaster Recovery Coordinator (FDRC) be part of the coordination and information sharing
process.

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Roles and Responsibilities
Regional Watch Office
FEMA Regional Watch Offices are critical to the agency’s ability to monitor and report threats
in the Region and capture essential information in the immediate wake of a disaster. In this
capacity, the Regional Watch Center is well positioned to capture information. By capturing
specific information required by FEMA Regional and headquarters leadership to determine the
need for expedited Federal assistance, the Watch office can help to ensure that Federal assistance
is available to meet the needs of impacted citizens and jurisdictions. The Regional Watch unit
works directly with the Regional Recovery Division to maintain awareness of completion status
during Joint PDAs. The Regional Watch Center reports PDA activity to the National Watch
twice daily.

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Evaluating Damage and Impact for FEMA Public Assistance Program

Evaluating Damage and Impact for FEMA
Public Assistance Program
This section is intended to create a common understanding of the information and documentation
collected during damage assessments to evaluate the need for the FEMA PA program. By
incorporating the information described in this section, emergency managers and potential
applicants will be able to confidently and consistently document damage, work, and the cost of
restoring damaged infrastructure.
The six primary factors considered when evaluating a request for the FEMA PA program
outlined in 44 CFR § 206.48 are:
1.
2.
3.
4.
5.
6.

Estimated cost of assistance
Insurance coverage in force
Programs of other Federal assistance
Localized impacts
Hazard mitigation
Recent multiple disasters

This set of factors represents the cornerstone of the PA damage assessment process. By outlining
the information that is collected and analyzed for each factor, this section will support its
development at the most local level possible and ready potential applicants for the verification
and validation process undertaken by State or Tribal and Federal emergency management
agencies.

Estimated Cost of Assistance
In order to determine that a disaster is of a size and magnitude that it might warrant Federal
Assistance, a total estimated program cost is developed and compared to established county,
State, and Tribal Government per-capita indicators. A minimum indicator of $1 million in PA
damage per disaster has been established, as FEMA expects that even the smallest States can
recover from this level of damage to infrastructure without Stafford Act assistance.
The following four program eligibility factors are considered
when developing PA program cost estimates: potential
applicant, facility, work, and cost. These are commonly
referred to as the building blocks of PA program eligibility.
Generally FEMA must determine that program eligibility
requirements have been met for each building block, starting at
the foundation (potential applicant) and working up to cost at
the top of the pyramid.
Estimating the total cost of assistance for the FEMA PA program requires an understanding of
regulations documented in Title 44 of the Code of Federal Regulations (44 CFR) and policies
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Evaluating Damage and Impact for FEMA Public Assistance Program
found in the FEMA PA Program and Policy Guide (PAPPG). Information contained in these
documents may be needed to gain specific understanding of FEMA’s PA program requirements;
therefore, references have been provided throughout this section. While it is not intended that
every potential applicant or emergency manager have a complete understanding of these
regulations and policies, a general understanding may be helpful.
There is no one-sized-fits-all approach to documenting damage, work, and costs, or to collecting
supporting documentation. Damage assessment teams must weigh the benefit of increased
accuracy against the timeline for delivering necessary assistance. Potential applicants should
generally be prepared to provide enough information and supporting documentation to allow
verification of submitted claims.
FEMA will require additional information or more substantial supporting documentation for (1)
projects greater than the large project threshold or (2) projects that, given the circumstances,
raise serious questions regarding eligibility. Such information and documentation may include,
but are not limited to:









Ownership, rental, or lease documents
Maintenance records
Insurance policies
PNP supporting documentation, such as a tax exemption letter
Contracts and procurement documentation
Invoices
Safety and inspection reports
Other documentation necessary to establish that program requirements have been met.

Identifying Potential Applicants and Damaged Facilities
Identifying Potential Applicants
Identifying potential applicants and damaged facilities are the first steps that jurisdictions must
take to conduct damage assessments for the FEMA PA program. There are four types of
applicants eligible for PA funding.
1. State and Territorial Government Agencies

The fifty States as well as the District of Columbia, American Samoa, the Commonwealth of
the Northern Mariana Islands, Guam, Puerto Rico, and the U.S. Virgin Islands.
2. Tribal Governments

Federally recognized Indian Tribal Governments, including Alaska Native villages and
organizations (hereafter referred to as “Tribal Governments”). Alaska Native Corporations
are not eligible, as they are private for-profit entities.
3. Local Governments

Counties and parishes; municipalities, cities, towns, boroughs, and townships; local public
authorities; school districts; intrastate districts; councils of government (regardless of
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Evaluating Damage and Impact for FEMA Public Assistance Program
whether incorporated as nonprofit corporations under State law); regional and interstate
government entities; agencies or instrumentalities of local governments; State-recognized
Tribal Governments; special districts established under State law; and Community
Development Districts that are legally responsible for ownership, maintenance, and operation
of an eligible facility that is accessible to the general public.
4. Certain Private Non-Profit Organizations

Private Nonprofit (PNP) organizations as defined in 44 CFR §206.221 (e).
For the purpose of damage assessments, potential applicants may be asked to verbally confirm
that they meet general program requirements.
Potential PNP applicants are typically further asked to confirm that they are nonprofit
organizations that perform a critical service or non-critical but essential government service as
defined by FEMA (see Appendix C). Defining the type of service provided (critical or noncritical) is important during damage assessments, as FEMA will generally only consider costs
that do not need to be first considered by the U.S. SBA in its estimated cost of assistance (see
Programs of other Federal assistance). Certain potential PNP applicants may be asked to verbally
confirm that they are open to the general public. In cases where nonprofit status is unclear, the
organization may be asked to provide a current ruling tax exemption letter from the Internal
Revenue Service (IRS), or documentation from the State substantiating it is a non-revenue
production nonprofit entity.
Departments, offices, and other entities formed
Departments, offices, and other
under potential applicants (public works,
entities formed under potential
police, fire, sanitation, water, parks, roads, etc.)
applicants often assess damage to
often assess damage to facilities they are
facilities they are responsible for
responsible for as a typical course of action
following a disaster. These departments are
as a typical course of action
also often the most capable of estimating the
following a disaster, and are often
cost of restoration. Emergency managers can
the most capable of estimating the
support these efforts by ensuring that these
cost of restoration.
offices are aware of the information and
documentation discussed in this section and
ensuring coordination. For simplicity, the term “potential applicant” used throughout this section
is intended to be inclusive of any entities formed under the four types of applicant’s eligible to
receive PA funding described above.
Identifying Damaged Facilities
When a disaster occurs, damage should be identified as quickly as possible. FEMA will consider
disaster related damage to any building, works, system, or equipment, built or manufactured, or
improved and maintained natural feature that a potential applicant has legal responsibility to
restore.
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Evaluating Damage and Impact for FEMA Public Assistance Program
The location of all damage sites should be documented as specifically as possible using street
addresses and/or GPS coordinates. FEMA damage assessment personnel should capture damage
locations by documenting the USNG location. (Reference-“Use of the USNG FEMA Directive
092-5). When possible, potential applicants should provide annotated maps showing damage
locations to the State or Tribal Government and FEMA at the time of the Joint PDA. These maps
are especially helpful when damage is spread across a system or jurisdiction.
For less costly damage, program facility eligibility requirements are generally confirmed
verbally with the potential applicant. For large projects or when facility’s program eligibility is
unclear, potential applicants will be asked to provide documentation to show that a facility meets
program eligibility requirements. These documents may include but are not limited to:





documents showing ownership;
lease, rental agreement, or other documents showing legal responsibility for restoration;
maintenance records or other documents showing that the facility was in use at the time
of the disaster; and/or
plans that show that improvements to natural features were made and maintained.

Additional information related to facilities can be found in Chapter 2, Section III of the PAPPG.
Documenting Damage, Work, and Cost
Once damage has been identified, potential applicants should document the work, and estimated
or actual cost required to perform Emergency Work or restore damaged infrastructure. To be
considered, work must be: (1) required as a result of the disaster; (2) be within a jurisdiction
being assessed (with the exception of sheltering and evacuation activities); and (3) be the legal
responsibility of a potential applicant.
Documenting damage
Potential applicants are encouraged to photograph
Potential applicants are
damage. This may expedite damage assessment
encouraged to photograph
verification and help potential applicants to document
damage in order to expedite
pre-restoration damage should a disaster be declared.
damage assessment
For the purpose of damage assessments, photographs
verification and document
only need to be submitted for a representative site
when multiple similar damage sites exist. It is not
pre-restoration damage
necessary to include photographs of all emergency
should a disaster be
protective measure work; however, photographs
declared.
should be included to verify damage at sites where
emergency construction is necessary (e.g. construction of an emergency roadway). Incorporating
these photographs into diagrams or maps can further illustrate the location and extent of damage
and expedite decision-making.
Potential applicants should document damage dimensions, materials, and the size or capacity of
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Evaluating Damage and Impact for FEMA Public Assistance Program
damaged facility elements. This is particularly important for work to be completed, as the
information gathered is often critical to estimating and verifying work and cost required for
restoration.
Documenting Work and Cost
In order to organize work-related information, FEMA divides each applicant’s work into logical
groupings. These groupings first separate activities into two primary work types, Emergency
Work and Permanent Work. These work types are further divided into Categories of Work (A-G)
defined by FEMA. This grouping structure is illustrated in the chart below:
Type
Emergency Work:
Permanent Work:

Category of Work
A

Debris Removal

B

Emergency Protective Measures

C

Roads and Bridges

D

Water Control Facilities

E

Buildings and Equipment

F

Utilities

G

Parks, Recreation and Other

Information describing work and cost should be broken down by Category of Work (Category).
If a potential applicant is unsure of the Category, work and cost required to restore the facility
should still be documented so that a Category can be assigned at the time of the Joint PDA.
Work and cost associated with completed work can be summarized and supported, when
necessary, with the documentation described in this section. Estimates will need to be developed
for work yet to be completed. Note, for accuracy, a member of a potential applicant’s staff that is
familiar with the damaged facility and regularly develops estimates for similar work, or a
qualified professional should develop estimates. Work and cost estimate calculations should be
provided for all work to be completed to allow validation of estimates and ensure that it meets
program eligibility requirements. When damage to a facility is complex or beyond the ability of a
potential applicant to estimate, FEMA technical experts may be requested by a State or Tribal
Government to estimate work and cost.
The following are common general methods used to accomplish disaster related work and
estimate cost. The information and documentation discussed are intended to assist potential
applicants and emergency managers to prepare work and cost estimations and are applicable
across all Categories of Work.

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Evaluating Damage and Impact for FEMA Public Assistance Program
Labor (Force Account)
FEMA refers to potential applicant’s personnel as “force account.” Force account labor
claimed should be based on hourly rates plus the cost of fringe benefits. Overtime,
premium pay, and compensatory time claimed by potential applicants should be
consistent with pre-disaster written policies. Costs related to stand-by time will be
considered when incurred in preparation for and directly related to actions necessary to
save lives and protect public health and safety. Hours claimed for force account
employees need to be reasonable and necessary.
FEMA’s criteria for considering straight-time and overtime labor costs differ depending
on the type of employee and whether that employee is performing Emergency Work or
Permanent Work.
Emergency Work – only overtime is considered for budgeted employees. For
unbudgeted employees performing Emergency Work, both straight-time and
overtime are considered. ‡
Permanent Work – both straight-time and overtime labor costs are considered for
budgeted and unbudgeted employees.
For the purpose of damage assessments, potential applicants may choose to use average
pay rates for groups of force account employees performing similar work, if calculating
the actual cost for individual employees is time-prohibitive. In either case, the rate
claimed needs to be reasonable for the type of work performed.
Potential applicants claiming force account labor costs during damage assessments
should document the number of employees performing a given task, type of employee
(budgeted or unbudgeted), type of work being performed, regular time and overtime
hours worked, and the hourly rate claimed in a summary. Timesheets, labor policies, and
documentation to support wage rates are not typically necessary during damage
assessments when the time and rates claimed are reasonable for the work.
Additional information related to potential applicant’s force account labor can be found
in Chapter 2, Section V (A) of the PAPPG.
Equipment (Force Account)
FEMA refers to equipment owned by a potential applicant as force account equipment.
FEMA considers the cost of using force account equipment, including permanently
mounted generators, based on hourly rates. Only time that the equipment was in use will
be considered unless it was used intermittently for more than half of the day.

‡

Note: Due to program allowances available through the alternate procedures debris removal pilot, authorized by
the Sandy Recovery Improvement Act, both straight-time and overtime labor costs will be considered for both
budgeted and unbudgeted employees engaged in debris removal work.

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Evaluating Damage and Impact for FEMA Public Assistance Program
Potential applicants may estimate the cost of force account equipment using FEMA
equipment rates or Tribal, State, or local equipment rates that meet criteria defined by
FEMA. FEMA may also consider cost based on mileage rates for vehicles, if less costly
than hourly rates.
Potential applicants submitting force account equipment costs during damage
assessments should specifically document the type of equipment being used, type of work
being performed, hours used / miles driven, and the equipment rate used in a summary.
Activity logs and equipment rate documents are not typically necessary during damage
assessments as long as the time and rates claimed are reasonable for the work.
Information related to a potential applicant’s force account equipment, including
FEMA’s policies on purchased equipment, can be found in Chapter 2, Section V (B) of
the PAPPG.
Leased Equipment
When a potential applicant leases equipment, FEMA will generally consider costs
submitted based on the terms of the lease.
Potential applicants that wish to claim leased equipment costs should specifically
document the type of equipment that was leased, type of work being performed, and the
cost of the leased equipment in a summary. Lease documents are not typically necessary
during damage assessments as long as the cost claimed is reasonable for the equipment.
Additional information related to leased equipment can be found in Chapter 2, Section V
(C) of the PAPPG.
Supplies
FEMA will consider the cost of supplies, including materials, if:


The supplies or materials are or will be purchased and are justifiably needed to
effectively respond to and/or recover from the incident; or



The supplies are or will be taken from the potential applicant’s stock and used for
the incident.

For the purpose of damage assessments, potential applicants should document any
materials or supplies required for Emergency Work or Permanent Work in a summary.
Minor supplies and materials may be listed as miscellaneous; however, significant
expenditures should be specifically noted and include unit costs.
The cost of supplies and materials should be based on invoices, a potential applicant’s
established methods for pricing supplies and materials, historic prices for materials, or
prices from area vendors. Unless it is a large project, it is not typically necessary for
potential applicants to provide invoices or other supporting documentation to support
supply cost estimations during damage assessments.

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Evaluating Damage and Impact for FEMA Public Assistance Program
Additional information related to supplies and materials can be found in Chapter 2,
Section V (D) of the PAPPG. FEMA’s policy on the disposition of purchased equipment
and supplies can be found in Chapter 2, Section V (E) of the PAPPG.
Contract Services
FEMA will consider the cost of contract services based on the terms of the contract.
While procurement methods and contract requirements are generally not reviewed during
damage assessments, potential applicants should note that complying with procurement
standards and contract requirements are a conditions for receiving PA funding. Failure to
adhere to these standards and requirements could jeopardize PA funding if a disaster is
declared.
For the purpose of damage assessments, potential applicants should document all contract
work and cost in a summary. The estimate, bid, or contract should also be made available
as supporting documentation when the cost is above the large project threshold.
Additional information related to Federal procurement and contracting requirements can
be found in Chapter 2, Section V (G) of the PAPPG and 2 CFR § 200.
Mutual Aid Agreements
When a potential applicant requests resources from another jurisdiction through a mutual
aid agreement, FEMA will consider costs incurred by the potential applicant. When a
State has a statewide mutual aid agreement that designates the State as being responsible
for reimbursing mutual aid costs, FEMA will consider costs incurred by the State. In
either case, agreements and cost should be consistent with past practices for mutual aid.
Additional information related to mutual aid, including post incident agreements and
eligibility, can be found in Chapter 2, Section V (H) of the PAPPG.
For the purpose of damage assessments, potential applicants or States submitting mutual
aid costs should provide labor, equipment, supply, and/or material costs in a summary as
described previously.

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Other PA program considerations can have a substantial impact on work and cost estimates. The
information and documentation discussed below are intended to assist potential applicants and
emergency managers to prepare work and cost estimates, and are applicable across multiple
Permanent Work Categories (C-G).
Codes and Standards
Generally, damage assessment work and cost estimations should be focused on that
required to restore the facility to its pre-disaster design and condition. Improvements
required by current applicable codes, specifications, and standards (hereinafter referred to
as “standards”) may be considered when facility restoration triggers the upgrade
requirement, and when the standard:
1. Applies to the type of restoration required;
2. Is appropriate to the pre-disaster use of the facility;
3. Is reasonable, in writing, formally adopted by the State, Tribal, or local
government, and implemented by the potential applicant at the time of the
disaster, or is a legal Federal requirement;
4. Applies uniformly; and
5. Was enforced during the time it was in effect.
If a potential applicant would like to include upgrades required by standards, the upgrade
will be evaluated according to the five criteria above. When a code or standard will
dramatically increase the cost of restoration, potential applicants should provide the
specific code or standard to be considered, in writing, as early as possible to State or
Tribal and FEMA damage assessors for consideration. Additional information related to
codes and standards can be found in the PAPPG Chapter 2 Section VII (C).
Repair vs. Replacement
If the cost of repairing a facility is estimated to exceed 50% of the replacement cost, an
estimate based on the replacement of the facility may be considered. If a potential
applicant would like a facility to be considered for replacement, they should provide
information and documentation used to develop their estimate to State, Tribal, and FEMA
technical experts for review and validation. This practice does not apply to individual
structural or mechanical components of a facility. Additional information on the repair
vs. replacement calculation, including the specific factors considered, can be found in the
PAPPG Chapter 2 Section VII (E), and 44 CFR § 206.226 (f).
Landslides and Slope Stabilization
If a facility is located on a slope and is damaged as a result of a landslide or slope
instability triggered by the incident, FEMA determines the stability of the slope that
supports the facility before it considers costs required to restore the facility. Site
inspections and limited geotechnical assessments to determine site stability and to obtain

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Evaluating Damage and Impact for FEMA Public Assistance Program
a technical opinion of the cause of the slope failure may be considered. The cost of
restoring integral ground (ground necessary to physically support a facility) may be
considered. Permanent Work to stabilize natural ground that is not integral to an eligible
facility’s function is not considered. Additional information regarding landslide and slope
stabilization work can be found in the PAPPG Chapter 2 Section VII (H)(6).
Cost Not Considered
Costs that are not eligible for PA funding will not be considered in the calculation of the
estimated cost of assistance. Examples include, but are not limited to:








Capital improvements not required by codes and standards
Loss of revenue
Loss of useful service life of facilities
Tax assessments
Increased operating expenses (with limited exceptions for specific emergency health and
safety tasks)
General surveys to assess damage
Cost of restoring facilities that were not in active use at the time of the disaster

Unique Considerations for each Category of Work
As discussed previously, FEMA divides work into seven categories (A-G). Each category of
work has specific considerations and policies that should be taken into account when conducting
a damage assessment. To assist emergency managers and potential applicants in addressing these
and collecting appropriate information and documentation during damage assessments, the
following sections will examine each of the FEMA PA Categories of Work. Where additional
policy related information may be required, references are provided.
Category A – Debris Removal
Debris removal activities, such as clearance, removal, and disposal, will be considered during
damage assessments if they do not fall under the authority of OFA’s (see OFA section below)
and the removal is in the public interest. Public interest is based on whether the work:
 Eliminates immediate threats to lives, public health, and safety;
 Eliminates immediate threats of significant damage to improved public or private property;
or
 Ensures economic recovery of the affected community to the benefit of the community at
large.

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The types of debris considered include, but are not limited
to, vegetative debris, construction and demolition debris,
sand, mud, silt, gravel, rocks, boulders, vehicle/vessel
wreckage, and contaminated debris.
Removal of debris from improved public property and
public right-of-ways (ROWs), including Federal-aid
roads, will be considered. If State, Tribal, or local
governments authorize residents to place incident-related
debris on public ROWs, FEMA will consider the cost of
removing the debris from the ROWs for a limited period
of time. Removal of debris placed on the public ROW
from commercial properties will not be considered.
Removal of materials related to the construction, repair, or
renovation of either residential or commercial structures
will not be considered.

Debris removal work may be
considered during damage
assessments if it is necessary
to eliminate an immediate
threat to lives, public health
and safety, and improved
property, or to ensure the
economic recovery of the
affected community to
benefit the community at
large.

FEMA has defined specific eligibility criteria and documentation requirements for hazardous
limbs, trees, and stumps. While costs associated with the removal of these hazards will be
considered, potential applicants are encouraged to review FEMA’s policy located in Chapter 2,
Section VI (A)(2) of the PAPPG to avoid jeopardizing PA funding should a disaster be declared.
Debris removal from the following locations/areas will not be considered:





Federally maintained navigable channels and waterways
Flood control works under the authority of the Natural Resources Conservation Service
(NRCS)
Agricultural land
Natural, unimproved land, such as heavily wooded areas and unused areas

Debris removal from waterways that is necessary to eliminate the immediate threat to life, public
health and safety, or improved property will be considered when not under the authority of an
OFA. For navigable waterways this may include the removal and disposal of debris that
obstructs the passage of vessels, to specific depths defined by FEMA. For non-navigable
waterways and flood control works this may include debris that obstructs or could obstruct intake
structures, debris that could damage bridges, culverts, or other structures, and debris that is
causing or could cause flooding to improved public or private property during the occurrence of
a five-year flood. Removal of debris in a waterway that does not meet these immediate threat
criterion will not be considered, even if the debris is deposited by the incident. All work in
waterways should be noted to assist in the early identification of potential environmental
requirements.
When debris removal is required to restore the pre-disaster carrying or storage capacity of
engineered channels, debris and sediment basins, storm water detention and retention basins, and

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Evaluating Damage and Impact for FEMA Public Assistance Program
reservoirs it may be considered as permanent work under Category D, if information and
documentation is provided to show that it meets program eligibility requirements. Additional
information can be found in Chapter 2, Section VII (H)(2) of the PAPPG.
Work requirements developed for damage assessments should include the type and estimated
amount of debris that will need to be removed in units (cubic yards or tons). Potential applicants
should survey damage and estimate the total amount of debris that will need to be removed. For
damage assessments, a rough estimate can be developed by first estimating the amount of debris
that needs to be removed for an area or length of road that represents a typical or average
amount of debris. This estimated quantity can then be divided by the area, or length of road to
yield an average unit estimate. This unit estimate can then be used to estimate the total amount of
debris in the jurisdiction. These calculations should be provided to support estimates developed.
Locations where these estimates were developed should be documented and photographs should
be taken to aid in verifying estimates.
Once a debris estimate has been developed, the cost of removal must be calculated. Costs for the
pick-up, staging/transferring, separating, reducing, and disposing of debris should be taken into
account. (Note alternative procedures allowance for straight time. See p.25)
Potential applicants may also use cubic yard rates supplied by contracts or historic costs to
estimate costs. Unit costs for debris removal can also be calculated by dividing the amount of
debris removed by the cost of removal. Calculations used to estimate the cost of debris removal
should be provided to support estimates.
If a potential applicant still has work to be completed, a total estimated cost of removal can be
calculated by multiplying the unit cost developed for completed work by the cubic yards of
debris still requiring removal. If work is partially complete at the time of the Joint PDA,
locations where typical amounts of debris can be measured should be provided to validate
estimates for the remaining work.
Potential applicants should document the location of all temporary and permanent debris sites,
including temporary debris staging and reduction sites (TDSR). These locations are important to
validate quantity estimates and the early identification of potential environmental requirements.
Potential applicants should be aware of environmental requirements for the disposal of debris
and take appropriate measures to ensure that disposal sites and methods comply with applicable
laws and regulations. This is particularly important when debris removal operations may impact:








Waterways,
Floodplains,
Wetlands,
Federally listed threatened and endangered species,
Critical habitats,
Historic properties,
And when the amount of debris will challenge existing certified TDSRs.

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While these requirements do not typically impact damage assessment cost estimates, failure to
adhere to local, State, and Federal environmental and historic preservation laws could jeopardize
Federal funding if a disaster is declared.
Additional information related to debris removal can be found in Chapter 2, Section VI (A) of
the PAPPG.
Example - Category A:
Vegetative debris on roadways:







Total miles of road impacted = 65 miles (map)
Average amount of debris per mile = 230 cy/mile (photographs and locations provided)
Cost for removal and disposal = $12/cy (contract provided)
75% work complete – locations of work to be completed provided (map)
Cost calculation = (65 mi x 230 cy/mile = 14950 cy) x $12/cy = $179,400
Locations for reduction and disposal sites (map)
Total estimated cost = $179,400.

Category B – Emergency Protective Measures
Emergency Protective Measures are actions taken before, during, and after a disaster to eliminate
or lessen immediate threats to life, public health, or safety, or to eliminate or lessen immediate
threats of significant additional damage to improved public and private property in a cost
effective manner.
Saving lives or Protecting Public Health and Safety
The following is a list of emergency protective measures often taken to save lives or protect
public health or safety that may be considered. This list is not all-inclusive.











Transporting and pre-positioning
equipment and other resources for
response
Flood fighting
Emergency Operations Center
(EOC)-related costs
Emergency Access
Supplies and commodities
Medical care and transport
Evacuation and sheltering costs
Childcare
Safety inspections

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






Search and Rescue
Fire fighting
Security, such as barricades, fencing,
or law enforcement
Use or lease of temporary generators
for facilities that provide essential
community services
Dissemination of information to the
public to provide warnings and
guidance about health and safety
hazards

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Evaluating Damage and Impact for FEMA Public Assistance Program
Protecting Improved Property
The following are emergency protective measures to protect improved property that may be
considered when specific requirements are met. This list is not all-inclusive.






Constructing emergency berms or
temporary levees to provide
protection from floodwaters or
landslides
Emergency repairs necessary to
prevent further damage, such as
covering a damaged roof to prevent
infiltration of rainwater
Buttressing, shoring, or bracing
facilities to stabilize them or prevent
collapse



Temporary slope stabilization



Mold remediation



Removal and storage of contents
from facilities that meet program
requirements for the purpose of
minimizing additional damage



Extracting water and clearing mud,
silt, or other accumulated debris
from facilities that meet program
requirements

For potential PNP applicants, emergency protective measures considered are generally limited to
activities associated with preventing damage to facilities that meet program requirements.
Information and documentation collected by potential applicants during damage assessments to
describe required emergency protective measures are generally focused on documenting the type
of actions taken, force account mutual aid or contract resources employed, and cost. Note that
only overtime will be considered for permanent employees engaged in emergency protective
measures. Stand-by force account labor costs will be considered when it is directly related to
actions necessary to save lives and protect public health and safety. Stand-by time for equipment
is not considered. Photographs should be included to verify damage and work required at sites
where emergency construction is necessary. Because actions taken for emergency protective
measures can be widespread, annotated maps can be particularly helpful in capturing and
describing actions taken.
Additional information related to emergency protective measures can be found in Chapter 2,
Section III of the PAPPG.
Example - Category B
Sandbagging of City Buildings




FA labor - 60 overtime hrs @ $35/hr avg. = $2,100
FA equipment - (1) 15 cy dump truck for 60 hrs @ $65/hr = $3,900
Materials – sand and sandbags = 3,100
Total estimated cost = $9,100

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Evaluating Damage and Impact for FEMA Public Assistance Program
Category C – Roads and Bridges
Permanent Work required to restore roads (paved, gravel, and dirt), bridges, and their
components to their pre-disaster design and function is considered unless the restoration falls
under the authority of an OFA. Permanent restoration of private roads, including homeowners’
association roads, are not eligible for FEMA PA funding, and thus are not considered.
Road components include but may not be limited to:






Surfaces
Bases
Shoulders
Ditches
Drainage structures, such as culverts




Low water crossings 

Associated facilities, such as
lighting, sidewalks, guardrails, and
signs






Pier
Slope protection
Approaches
Associated facilities, such as
lighting, sidewalks, and signs

Bridge components include but may not be limited to:






Decking
Guardrails
Girders
Pavement
Abutments

Damage must be the result of the disaster to be considered. Work to repair potholes or fatigue
cracking is generally not considered as this type of damage is rarely caused directly by a single
incident.
When a system is damaged (e.g. road system), work and cost should be documented by site but
may be combined into a single summary for evaluation. However, to simplify review by
technical specialists, bridge restoration work should be separated from other roadwork. For large
projects in which the pre-disaster condition may impact estimates, potential applicants will be
asked to provide bridge inspection/safety reports to verify pre-disaster condition. If deficiencies
identified in these reports were addressed, documentation supporting work performed should
also be provided.
Work to repair scour or erosion damage to a channel or stream bank will be considered if the
repair is necessary to restore the structural integrity of a road, culvert, or bridge. Any work
required in a waterway should be noted to promote the early identification of environmental
requirements.
Additional information related to road and bridge work can be found in Chapter 2, Section VII
(H)(1) of the PAPPG.

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Example - Category C
Lake Arnold Bridge Washout – CR 233 (map)





Two span, 80 ft long x 24 ft wide, concrete beam and deck structure
Restoration cost est = $240/sq ft. (historic costs provided by county engineer)
Cost calculation = 80 ft x 24 ft x $240/sq ft = $460,800; engineering (15%) = $69,120; geotechnical
(1.5%) = 6,912
Safety inspection and basis for historic cost estimate are available
Total estimated cost = $536,832

Category D – Water Control Facilities
Work done to restore publicly-owned water control facilities that do not fall under the authority
of an OFA may be considered. Water control facilities are those facilities built for the following
purposes:






Channel alignment
Recreation
Navigation
Land reclamation
Irrigation







Maintenance of fish and wildlife
habitat
Interior drainage
Erosion prevention
Flood control
Storm water management

They include:












Dams and reservoirs
Levees and floodwalls
Lined and unlined engineered
drainage channels
Canals
Aqueducts
Sediment and debris basins
Storm water retention and detention
basins
Coastal shoreline protective devices
Irrigation facilities
Pumping facilities
Navigational waterways and
shipping channels

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Evaluating Damage and Impact for FEMA Public Assistance Program
Restoring the pre-disaster carrying or storage capacity of engineered channels, debris and
sediment basins, storm water detention and retention basins, and reservoirs may be considered,
but only if the potential applicant can establish:



The pre-disaster capacity of the facility; and
The facility was maintained on a regular schedule.

Flood control works, such as levees, floodwalls, flood control channels, and water control
structures generally fall under the under the authority of USACE or NRCS. For work to restore
these facilities to be considered, it must first be confirmed that it does not fall under the authority
of these OFA’s. Secondary levees riverward of a primary levee are not considered, unless they
protect human life.
Additional information related to the eligible repair or replacement of damaged water control
facilities can be found in Chapter 2, Section VII (H)(2) of the PAPPG.

Example - Category D
Fish Creek Debris Basin Restoration






Basin dimensions: 300 ft x 200 ft x 10 ft
Estimated depth of debris = 1.5 ft
Amount of debris attributable to flood = 80% (basin last cleaned 3 mo earlier @ $20.00/cy)
FA labor and equipment
Cost calculation = 0.8 x (300ft x 200ft x 1.5 ft) x (1cy/27 cu ft) x $20.00/cy = $53,333
Total estimated cost = $53,333

Category E – Buildings and Equipment
Buildings
Work required to restore damaged buildings will be considered along with upgrades
required by codes and standards. This includes all structural and non-structural
components, including mechanical, electrical, and plumbing systems, as well as contents,
furnishing and equipment within the building. Specific policy guidance related to the
restoration of files, research-related contents, animals, irreplaceable collections and
individual objects, and library books and publications can be found in Chapter 2, Section
VII (H)(2) of the PAPPG.
Mold remediation and removal of mud, silt, or other accumulated debris will be
considered as Permanent Work when conducted for the purpose of restoring the facility.
When this work is required to eliminate or lessen an immediate threat, it will be
considered but captured under Category B.

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Evaluating Damage and Impact for FEMA Public Assistance Program
Environmental and historic preservation requirements are common to the restoration of
public buildings. Potential applicants are encouraged to identify damaged facilities over
45 years old, and any work that may be environmentally or culturally sensitive to avoid
jeopardizing Federal funding should a disaster be declared.
Equipment
Work required to restore damaged equipment will be considered. This includes any
vehicles and construction equipment. When equipment is not repairable, potential
applicants may use “blue book” values or similar price guides to estimate the cost of
replacing the damaged equipment with equivalent items – similar age, condition, and
capacity. If the cost to replace damaged equipment is less than the cost to repair it, the
estimate should be based on the replacement cost as it represents the lowest cost option.
Equipment that is damaged performing Emergency Work, will be considered under the
appropriate Emergency Work Category (A or B).
Additional information related to the restoration of damaged public buildings and equipment can
be found in Section VII (H)(3) of the PAPPG.

Example - Category E
Building #212 – 123 City Center (map)







4 stories ea. = 120 ft. x 100 ft
Built 1998
Basement and first floor flooding – flood debris removal, building mechanical systems, damaged
furniture removal and replacement, interior wall repair and painting
Repairs to be performed by contract services
Estimated cost to repair = $840,000 (contract provided)
Insurance = $700,000 (policy provided)
Total estimated cost = $140,000

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Evaluating Damage and Impact for FEMA Public Assistance Program
Category F – Utilities
Work required to restore damaged utility facilities to pre-disaster design and function will be
considered under Category F. This includes:






Water storage facilities, treatment plants, and delivery systems
Power generation, transmission, and distribution facilities, including, but not limited to,
wind turbines, generators, substations, and power lines
Natural gas transmission and distribution facilities
Sewage collection systems and treatment plants
Communication systems

Restoration work that will be considered includes but is not limited to:





Permanent restoration of any component of the system, including buildings, structures, or
systems, even if not contiguous.
Electrical conductor replacement (subject to specific criteria)
Inspection or assessment of damaged components of a system (note general surveys to
identify damage are not considered)
Inspection or assessment of an inaccessible structure or component of a system (e.g.
underground systems), but only when there is evidence of damage

FEMA will consider the cost of limited clearance of disaster-related debris from a right of way
(ROW) to enable access to the facility. Additionally, if trees in the vicinity of the facility were
damaged by the incident and an arborist confirms that the trees cause an immediate threat of
further damage to the facility (e.g. overhead power lines), FEMA will consider the cost of
removing those trees. Any further clearance of debris from the ROW will not be considered.
Work and cost estimates should be based on specific disaster related damage. As an example, if
there is evidence of a broken sewer line between A and B Streets, potential applicants should not
estimate complete replacement between A and B Streets, but use an appropriate length of repair
given the above ground indicators. Likewise, potential applicants should not include sites where
damage is suspected, but not confirmed.
If an electric utility cannot effectively repair damaged conductors and would like to have
conductor replacement work considered, information supporting the need should be provided for
review, in writing, as early as possible to State or Tribal and FEMA damage assessors for
consideration. Specific information can be found in Chapter 2 Section VII (H)(4).
The cost of obtaining an alternative source of power because of the shutdown of a power
generation plant will not be considered as it is an increased operating expense. Similarly, FEMA
cannot provide funds for revenue lost if a utility is shut down.
Additional information related to the restoration of damaged public utilities can be found in
Section VII (H)(4) of the PAPPG.

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Evaluating Damage and Impact for FEMA Public Assistance Program

Example – Category F
Common Electric
 14 utility poles destroyed – conductor will be re-hung (photos)
 FA labor, equipment, and materials
 Estimated cost of repair = $4,750/pole. (historic cost)
 Work has begun on 5 of 14 poles
 Cost calculation = 14 poles x $4,750/pole = $66,500
Total estimated cost = $66,500

Category G – Parks, Recreation Facilities, and Other
Eligible publicly owned facilities in this category include:


Mass Transit facilities such as railways









Beaches
Parks
Playground equipment
Swimming pools
Bath houses
Tennis courts
Boat docks









Piers
Picnic tables
Golf courses
Ball fields
Fish hatcheries
Ports and harbors
Other facilities that do not fit in
Categories C–F

Unimproved natural features are not eligible. The cost of replanting trees, shrubs, and other
vegetation will be considered when they are part of the restoration of an eligible facility and are
needed for erosion control, to minimize sediment runoff, or to stabilize slopes, including dunes
on eligible improved beaches. Grass and sod replacement will be considered if it is an integral to
the facility. Vegetation replacement necessary to restore the function of the facility (e.g. if
vegetation is a component of a sewage filtration system) will also be considered. Long-term
monitoring to ensure vegetative growth is not considered. Plantings ineligible for replacement
include, but are not limited to:


Replacement of trees, shrubs, and other vegetation not required for erosion control



Replacement of destroyed crops



Cosmetic or aesthetic vegetation, such as landscaping around public facilities or in
median strips along roadways. This restriction applies even when the vegetation is
damaged during performance of eligible work, such as when repairing underground
utilities within landscaped areas.

Replacement of sand on beaches is only considered under certain conditions outlined in Section
VII (H)(5) of the PAPPG.

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Evaluating Damage and Impact for FEMA Public Assistance Program
Environmental and historic requirements are common to parks and recreation facilities. Potential
applicants are encouraged to identify damaged facilities over 45 years old, any work in
waterways, and other potential restoration work that may have environmental or historic
preservation requirements early to avoid jeopardizing Federal funding should a disaster be
declared.
Additional information related to the restoration of damaged parks, recreation facilities, and
other items can be found in Section VII (H)(5) of the PAPPG.
Example - Category G
Springfield Park





Clean/ repair: 10 wood picnic tables, playground apparatus, 4 benches, 16 trash receptacles, 2 sets of
bleachers. (photos)
Replace: 400 playground safety play surface tiles @ $24.50/tile - verbal quote (photos)
FA labor = 20 regular hr @ $25/hr avg. (with benefits) = $500
Playground safety tiles = 400 tiles at $24.50/tile = $9,800
Total estimated cost = $10,300

Insurance Coverage in Force
When estimating the amount of anticipated assistance during damage assessments, FEMA must
reduce PA program costs for restoring a facility by actual or anticipated insurance proceeds. The
reduction is based on the amount of insurance that is in place or was required following a
previous disaster. If the facility is located in a Special Flood Hazard Area, estimated costs are
reduced in accordance FEMA’s insurance regulations including when the facility is uninsured or
under insured. This is discussed in 44 CFR § 206.48 (a)(3)
Costs not addressed by insurance, including a
Assembling available insurance
potential applicant’s deductible, damage not
policy and settlement information
covered under an existing policy or required
after the disaster can dramatically
by regulation, and in circumstances where
reduce the time required to
restoration costs exceed policy limits, will be
considered. For less costly damage, insurance
complete damage assessments.
coverage and deductibles are generally
confirmed verbally with the potential
applicant. For a large project, or if a potential applicant would like costs other than a deductible
considered for an insured facility, a copy of their insurance policy and other related
documentation should be provided to the State or Tribal Government and FEMA as soon as
possible for evaluation.

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Evaluating Damage and Impact for FEMA Public Assistance Program
For a NFIP-insurable facility located in a Special Flood Hazard Area (SFHA), FEMA will
reduce estimated program costs when the facility is:


Located in an area that FEMA has identified as a SFHA for more than 1 year;



Damaged by flooding; and



Uninsured for flood loss.

If a potential applicant does not have flood insurance for the facility or carries inadequate flood
insurance for the insurable facility, FEMA will reduce program costs by the lesser of:


The maximum amount of insurance proceeds that could have been obtained from an
NFIP standard flood insurance policy for the building and its contents; or



The value of the building and its contents at the time of the incident.

Assembling available insurance policy and settlement information after the disaster can
dramatically reduce the time required to complete the damage assessment process. Emergency
managers are encouraged to work with potential applicants to ensure that they are aware of the
importance of providing this information as part of the damage assessment process.
If an applicant’s facility has a requirement to obtain and maintain insurance as a result of
previously receiving Public Assistance in a previous disaster, and the applicant has failed to
obtain and maintain the required insurance, that facility is ineligible for assistance and FEMA
will not consider the damage to that facility in the damage assessments.

Programs of Other Federal Agencies (OFA’s)
FEMA considers programs of OFA’s during damage assessments. This is discussed in 44 CFR §
206.48 (a)(6).
Additionally, 44 CFR § 206.226 (a) states that disaster assistance generally will not be made
available under the Stafford Act when an OFA has specific authority to restore facilities
damaged or destroyed by a Major Disaster event.
When it appears that a damaged facility may be within the authority of an OFA, FEMA will ask
the specific Federal agency with responsibility to review the damage and advise FEMA whether
the work would be eligible under that agency's authority. In most cases, decisions made for the
purpose of damage assessments can be made quickly over e-mail or the telephone. If the work
falls outside the statutory authority of an OFA, FEMA will include the work in its program cost
estimate.
Potential Private Nonprofit Applicants
Following a Major Disaster Declaration, the SBA can provide disaster loans to individuals and
businesses for facility restoration. PNPs that provide non-critical services (see Appendix C) must
first apply for a disaster loan from the SBA for Permanent Work. Therefore, FEMA will only
consider Permanent Work costs that a SBA loan will not cover for those PNPs. Emergency Work
costs submitted by PNPs providing non-critical services, and both Emergency Work and
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Evaluating Damage and Impact for FEMA Public Assistance Program
Permanent Work costs submitted by PNPs providing critical services will be considered.
Road Restoration
The Federal Highway Administration (FHWA) has authority to restore public roads under the
Emergency Relief (ER) Program. Roads that are eligible for ER assistance are identified as
Federal-aid routes, which include highways on the Federal-aid highway system and all other
public roads not classified as local roads or rural minor collectors.
Debris removal from Federal-aid routes is considered; however emergency repairs and
permanent restoration of Federal-aid routes is not considered during FEMA PA damage
assessments regardless of whether the ER Program is activated. When a potential applicant is
unsure if a damaged road is a Federal-aid route, the location of damage should be documented
and coordinated with the State, FHWA, and/or FEMA to evaluate authorities for restoration.
The restoration of roads on U.S. Government “trust lands” falls under the authority of the Bureau
of Indian Affairs (BIA) absent any other agreement. For this reason Permanent Work on these
roads is not considered by FEMA. BIA, however, does not have authority for restoration of
disaster related damage to roads on tribally owned lands, regardless of whether they are owned
or maintained by BIA. Therefore, work and costs associated with the restoration of public roads
on tribally owned lands are considered by FEMA during damage assessments.
Flood Control Works and Streams
Debris removal from streams, that meet FEMA’s program eligibility requirements, is considered
even where debris removal would also be eligible under the authority of the NRCS unless NRCS
has provided assistance for the debris removal. FEMA and NRCS should coordinate during
damage assessments to evaluate damage and maximize the effectiveness of their independent
programs.
Debris removal and flood fighting activities for flood control works are considered even if they
are associated with a facility that is eligible for the U.S. Army Corps of Engineers (USACE)
Rehabilitation and Inspection Program (RIP), as USACE cannot reimburse applicants for flood
fighting. Debris removal and flood fighting activities are not eligible if associated with flood
control works under the specific authority of NRCS.
Emergency repairs or permanent restoration of flood control works that are under the authority of
NRCS or USACE are not considered by FEMA during damage assessments, even if these OFAs
do not have sufficient funding or do not provide assistance.
Federally Maintained Navigable Waterways
Debris removal from federally maintained navigable waterways is not considered by FEMA
during damage assessments as it falls under the authority of the U.S. Coast Guard (USCG) and
the USACE.

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Evaluating Damage and Impact for FEMA Public Assistance Program
Hazardous Material Removal
EPA and USCG have the specific authority to remove hazardous materials. EPA is responsible
for removing such material from inland zones and USCG is responsible for coastal zones.

Capturing Localized Impact
Capturing the impact that lost or damaged infrastructure had on the jurisdiction is an essential
damage assessment task. Narrative statements that illustrate the impact of the disaster can help
show whether or not the disaster is beyond the capacity of the impacted jurisdiction or State or
Tribal Government, and whether supplemental Federal assistance is required to recover.
Generally delivered in a series of short narratives, Impact Statements should include numbers or
statistics that lend context to the disaster. These statements, included in the Governor’s or Chief
Executive’s request, are important as the impact of a disaster will be taken into account
regardless of whether or not a State or Tribal Government meets the per capita cost indicators.
At times there are extraordinary
concentrations of damage that might
warrant Federal assistance even if the
statewide per capita indicator is not met.
This may be particularly true where
critical facilities are involved or where
the cost of restoring damaged
infrastructure in a localized area is
extremely high. This is discussed in 44
CFR § 206.48 (a)(2). On the other hand,
Federal assistance may not be warranted
following disasters where the statewide
indicator is met, but the damage is still
within the State’s or Tribal
Government’s ability to address without
supplemental Federal assistance.

At times there are extraordinary
concentrations of damage that might
warrant Federal assistance even if
the statewide per capita indicator is
not met. This is particularly true
where critical facilities are involved
or where the cost of restoring
damaged infrastructure in a
localized area is extremely high.

To capture impact local, State or Tribal, and Federal damage assessment teams should document
the direct and indirect consequences that damaged and destroyed infrastructure has on the
community. The loss or degradation of facilities built to support normal community functions
like roads, bridges, and critical infrastructure can have an immediate impact on the population
and slow recovery. While this reality exists following most disasters, the question that needs to
be considered when writing impact statements needs to be ‘how will the unique resources of the
Federal Government reduce the impact of the disaster and/or expedite recovery?’

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Hazard Mitigation
In order to recognize and encourage mitigation, FEMA considers the extent to which in-place
hazard mitigation projects undertaken by State or Tribal Government and/or local governments
contributed to the reduction of disaster damage for the disaster under consideration. This is
discussed in 44 CFR § 206.48 (a)(4).
For example, if a State or Tribal Government can demonstrate in its disaster request that a
statewide building code or other mitigation measure is likely to have reduced the cost of
repairing damage from a particular disaster, this will be considered in the evaluation of the
request. Impact statements developed to illustrate the positive impact that in-place mitigations
measures have had may be significant in those disasters where, because of mitigation, the
estimated cost of assistance falls below per capita indicators.
To help quickly capture this information as part of the damage assessment process, States or
Tribal Governments and local jurisdictions are encouraged to maintain awareness of mitigation
measures taken. This information should be provided to the FEMA damage assessment lead at
the time of the Joint PDA and included in the Governor’s or Chief Executive’s request for
Federal assistance.

Recent Multiple Disasters
Recent disasters can have a dramatic impact on a State or Tribal Government or jurisdiction’s
ability to recover. For this reason, FEMA considers any disasters that have occurred in the
jurisdiction within the last 12 months. This is discussed in 44 CFR § 206.48 (a)(5).
FEMA considers Stafford Act declarations as well as declarations made by the Governor or the
Chief Executive of a Tribal Government and the extent to which the State or Tribal Government
has spent its own funds to support recovery.
States or Tribal Governments are encouraged to include information related to the prior disasters,
including the counties or tribal jurisdictions designated in the declaration and specific expenses
incurred by the State or Tribal Government, in their request for Federal assistance. While not
required, additional information related to the ability of the State or Tribal Government to
provide support following the disaster being assessed (e.g. the status of State or Tribal
Government assistance programs) can provide further support for narrative statements made in
requests for assistance.

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Evaluating Damage and Impact for FEMA
Individual Assistance Programs
This section is intended to promote efficient coordinated damage assessments by outlining the
specific information that is used to evaluate the need for the FEMA IA programs. By
incorporating the standards described in this section, emergency managers can obtain better
information faster, expedite aggregation and analysis, and increase the confidence of senior
leadership at every level.

Evaluating and Documenting Damage to Homes
To evaluate damage to homes, FEMA has identified several elements of information that should
be collected during damage assessment including:










Cause of damage
Jurisdictions impacted and concentration of damage
Types of homes
Homeownership rate of impacted homes
Percentage of affected households with insurance coverage appropriate to the peril
Number of homes impacted and degree of damage
Inaccessible communities
Special Flood Hazard Areas, sanctioned communities, Coastal Barrier Resource
System zones and other protected areas
Primary or secondary residence



Other relevant PDA data, such as income levels, poverty, trauma, and special needs

Understanding these factors and obtaining accurate and timely standardized information to
inform decision-makers is critical to delivering appropriate assistance to impacted individuals
and households. As the majority of the information required to assess impacted residents is
available only at the local level, it is paramount that local emergency management practitioners
understand the information required by decision-makers and work to develop systems and
assessment teams capable of collecting standardized information quickly following a disaster. To
support this activity, this section will provide an overview of the key factors used by FEMA to
evaluate damage to residences.
Cause of Damage
The cause of damage is a foundational element of information that is used throughout the
assessment process. Specific causes of damage may also be useful in determining if impacted
residences are insured for the peril.

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Causes of damage include:








Earthquake
Fire
Flooding (include mudslide)
Hurricane or Typhoon
Landslide
Severe storms
Sewer back-up








Utility outages and impacts
Straight-line winds/Derecho
Tornado
Tsunami
Terrorism
Volcanic Eruption

Jurisdictions Impacted and Concentration of Damage
Capturing and mapping location information generally (e.g. jurisdictions impacted) and
specifically (e.g. physical address of a damaged dwelling) can show the magnitude of the event
and identify areas of concentrated damage. (Reference-“Use of the USNG” FEMA Directive
092-5). Collecting physical addresses of damaged homes according to the standardized degrees
of damage (affected, minor, major, and destroyed) described below, along with the category for
inaccessible homes, allows practitioners and senior officials to better understand the severity and
magnitude of the event. Collecting this information prior to the Joint PDA will reduce the time
required to verify and validate damage.
General location information can be used to show the severity and magnitude of the disaster.
Widespread or statewide disasters can have an impact on the ability of the State or Tribal
Government to provide assistance given the number of homes potentially impacted, while
concentrated areas of damage may have a greater impact on a community’s ability to recover
without assistance.
More specific location information is helpful in organizing efforts to verify and validate
information, and analyze the impact of the disaster. To support standard reporting information,
locals should collect this information on the Street Sheet (Appendix H), or similar form used by
local, State and Tribal Government for the same purpose.
Types of Homes
When identifying damaged structures, assessment teams should note whether the structure is a
single family residence, a multi-family residence or a manufactured home.






Single family residence: Any residence designed to accommodate a single family that is
built using conventional building methods. This includes modular homes factory-built to
uniform construction code standards and assembled on site.
Multi-Family residence: Any residence designed to accommodate more than one family
that is built using conventional building methods. Each unit should have a separate entrance,
bathroom, kitchen, and living area. This may include duplexes, condominiums, and
apartment buildings.
Manufactured homes: a structure, transportable in one or more sections, which in the
traveling mode is 8 body feet or more in width or 40 body feet or more in length or which when

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Evaluating Damage and Impact for FEMA Individual Assistance Program
erected on-site is 320 or more square feet, and which is built on a permanent chassis and
designed to be used as a dwelling with or without a permanent foundation when connected to
the required utilities, and includes the plumbing, heating, air-conditioning, and electrical systems
contained in the structure. (24 CFR 3280.2 and 24 CFR 3285.5)

Information should be provided on the common types of construction in the impacted area, such
as slab on grade, basements, and the number of manufactured home parks impacted. This
information can be helpful in illustrating the length of time that may be necessary for repairs and
potential impacts on the community.
Homeownership Rates of Impacted Homes
The ownership and occupancy status for impacted residences are important as factors in
estimating the cost of potential FEMA assistance to the community. Under the Individuals and
Households Program (IHP), only a homeowner’s primary residence is eligible for home repair
and personal property assistance, while renters may be eligible for temporary rental assistance
and Other Needs Assistance (ONA). FEMA does not provide assistance for damage to
secondary residences and outbuildings. The information collected to inform decision-making
includes:
Ownership Status



Owner
Renter

Occupancy Status




Primary residence: A permanent residence that is occupied more than six months out of
the year.
Secondary residence: A vacation home, home under construction, or home occupied less
than six months out of the year. Not considered/assessed during damage assessments.
Vacant property: Not considered/assessed during damage assessments.

FEMA uses U.S. Census Bureau information to estimate demographic, income, homeownership,
occupancy, and insurance trends and identify areas of potential greater need. If local, State, or
Tribal Governments would like FEMA to consider more localized or more recently updated
information, that information should be provided to FEMA before the conclusion of the Joint
PDA. If current data does not exist or does not appear to be correct, Joint PDA assessment teams
may be used to collect or verify critical elements of information from residents or other
knowledgeable local sources.

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Evaluating Damage and Impact for FEMA Individual Assistance Program
Percentage of Impacted Households with Insurance Coverage Appropriate to the
Peril
FEMA assistance cannot duplicate assistance available through insurance. In order to estimate
the level of applicable insurance coverage, the State should provide, and FEMA will utilize the
best available information.
State Insurance Commissions, recent U.S. Census data, local officials, and impacted residents
themselves can be useful in determining whether an impacted area or group of homes are
insured. When damage may be covered under the NFIP FEMA will coordinate with program
administrators within the Flood Insurance and Mitigation Administration when evaluating the
number of insured homes. FEMA may be able to provide information on the number of
households located in a special flood hazard area (SFHA) that have a flood insurance
requirement from a previous disaster.
Disaster survivors in a SFHA that have previously received assistance and have not maintained
their required flood insurance are ineligible for flood insurable real and personal property
assistance from FEMA in future flooding disasters, except for non-insurable losses such as
private bridges, wells, septic, etc. Additionally, if flooding has impacted homes in a community
that does not participate in the NFIP, FEMA is prohibited from providing assistance to residents
in the identified floodplain for damage that would have otherwise been available through the
program. FEMA will coordinate with States or Tribal Governments to identify and communicate
the status of non-participating communities at the outset of the damage assessment process.
Generally, insurance that may cover disaster related perils include:







Homeowners insurance
Condominium insurance
Insurance for manufactured homes
Flood insurance
Renters insurance
Sewer back-up rider

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






Earthquake rider
Landside rider
Subsidence rider
Tornado rider
Structural only insurance
Fire only insurance

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Evaluating Damage and Impact for FEMA Individual Assistance Program
It is important to note that FEMA may assist with some items not covered under many of these
policies and riders, such as damaged septic systems. A discussion of the disaster type and the
types of damage covered by various insurance policies should occur with assessment teams prior
to conducting field assessments. This will help assessment team members to more confidently
and consistently identify residences that are insured for the peril and increase the quality of
information provided to decision-makers. The IA Insurance Matrix in the Appendix F may be
useful in explaining assistance available through various insurance policies and riders.

Example Impact Statement - Homeownership:
While statistical information provided by the United States Census Bureau indicates that
homeownership for Washington County is less than 40 percent, the homeownership rate
in the area along the Washington River impacted by recent flooding is much higher.
Local emergency management has stated that many of these residents have lived in the
homes for multiple generations, and may be uninsured or underinsured since they do not
have a mortgage requirement for maintaining insurance on the property. Based upon
this input, it is estimated that insurance coverage for the affected homes is
approximately 25%. As homeowners without insurance, there is likely to be high
eligibility rate for FEMA’s IHP in this county. Additionally, the local emergency
manager stated that up to 10% of the impacted homes along the Washington River in
this county are not primary residences and are used by residents that spend more than
half their year in other parts of the county. These residents are unlikely to be eligible for
FEMA assistance.

When insurance data is available, it generally will only be available on whether a residence is
insured. If a potential underinsured population is present, then information on that population
may be included in narrative Impact Statements. An example of an underinsured population may
be homeowners impacted by an earthquake who have high deductibles. Additionally, in areas
where property values have increased over time, longtime residents may not have purchased
additional coverage and are more likely to be underinsured. Depending on the level of damage
and amount of the insurance award, some of these disaster survivors may be eligible for FEMA’s
IHP assistance.

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Number of Homes Impacted and Degree of Damage
In order to standardize damage assessment vocabulary, FEMA has established four categories to
describe damage to homes; Destroyed, Major, Minor, and Affected with an Inaccessible category
for the homes that cannot be reached for assessment. When assigning damage levels, it is
important to recognize that FEMA assistance is not intended to restore damaged property to its
pre-disaster condition but rather to provide survivors with a safe, sanitary and functional
dwelling from which they can continue their recovery. The damage categories defined below
closely correlate to assistance available through FEMA’s IHP. They are not intended to align
with other types of local assessments such
as red or yellow tagging of damaged
Surveys conducted to assess damage
homes. FEMA’s damage levels and
to individual homes should be
criteria should be used for all damage
conducted quickly and focus on
assessment information reported to FEMA
collecting the observable
and should be assigned to residences
information necessary to assign a
independently of other assessments that
may be necessary at the local or State or
final damage level
Tribal level.
All determinations should be based on viewed damage and focus only on disaster-related
damage. Damage not caused by the disaster event should not be included when determining the
level of damage, as it is not eligible for assistance through the FEMA’s IHP. For multi-family
buildings such as apartment buildings, only report visible damage. For example, do not assume
all units in a building are damaged if the roof is missing over only a few units.
Unlike an insurance company, the purpose of the PDA is not to document all damage. Surveys
conducted to assess damage to individual homes should be conducted quickly and focus on
collecting the observable information necessary to assign a damage level Teams should not
become preoccupied with property value, individual items of personal property, or with assessing
damage to outbuildings, fences, unattached garages, recreation rooms, or other non-essential
areas of the home. These items will not influence the damage level. However, narrative
statements submitted in the declaration request may include examples of these types of damage
to illustrate the severity and magnitude of the disaster. Narrative statements should include other
variables that may further impact the homeowner’s recovery, such as how long the water stayed
in the home, the materials used to build the home, and the presence of contaminants in flood
water (fuel oil, sewage, debris, etc.) if they present a health or safety hazard that renders the
home uninhabitable. However, these variables should not influence the assigned damage levels.
Photographs taken by damage assessment teams can be very useful to FEMA in verifying
damage determinations. Assessment teams are encouraged to photograph damage that was used
to assign damage levels (e.g. close ups of waterlines on residences as opposed to landscapes
taken from the street). Local, State and Tribal Government damage assessment teams are
encouraged to photograph homes evaluated as major or destroyed, as in most circumstances

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Evaluating Damage and Impact for FEMA Individual Assistance Program
FEMA staff will be required to take photographs of damaged or destroyed dwellings.
Inaccessible: Conventionally built structures and manufactured homes

Homes located on the flooded road are
generally counted as inaccessible. For
those residences that have damage that
can be clearly viewed from a safe
vantage point, a damage level should
also be assigned.

This group includes homes that are inaccessible by reasonable means, due to disaster-related loss
of access (e.g. bridge out, road flooded or blocked by landslide, mudslide, severe erosion,
washed out, etc.). If the homes can safely be reached by another route, they should not be
considered inaccessible. Typically, inaccessible is used to denote homes that cannot be accessed
or viewed at the time of the assessment. If the damage is viewable, it is preferable to assign the
appropriate damage category. Individual apartment units that are not habitable due to damage to
lower floors should also be included in the assessment.
Basement Damage Assessment Methods- For the purpose of recording flood or sewer back up
damage, a finished basement is defined as one which contains any of the following essential
rooms: Occupied bedrooms, bathrooms, kitchen and/or living room. During the assessment
process, the level of damage will be recorded using the same depth of water level measurements
shown for flood assessment contained within Major and Minor. Recreational and other common
areas of the basement are non-essential living space, and assessments and damage should be
evaluated as though the basement is unfinished.

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Evaluating Damage and Impact for FEMA Individual Assistance Program
Destroyed: Conventionally built structures
NOTE: One photo per dwelling is requested in this category.
The residence is a total loss, or damaged to such an extent that repair is not feasible.
Any of the following factors may constitute a status of destroyed:




Complete failure of two or more major structural components - e.g. collapse of basement
walls, foundation, load-bearing walls, or roof
Only foundation remains
A residence that is in imminent threat of collapse because of disaster-related damage or
confirmed imminent danger - e.g. impending landslides, mudslides, or sinkholes.
The foundation and two or more walls
of this residence have failed.

This residence has collapsed.

The roof and walls of this home have been
compromised and it is off its foundation.

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Evaluating Damage and Impact for FEMA Individual Assistance Program
Major: Conventionally built structures
NOTE: One photo per dwelling is requested in this category.
A residence may be categorized as having major damage when it has sustained significant
structural damage and requires extensive repairs. Some examples of major damage include:






Failure or partial failure to structural elements of the roof to include rafters, ceiling joists,
ridge boards, etc.
Failure or partial failure to structural elements of the walls to include framing, sheathing,
etc.
Failure or partial failure to foundation to include crumbling, bulging, collapsing,
horizontal cracks of more than two inches, and shifting of the residence on the foundation
of more than six inches
Residences with a water line 18 inches above the floor in an essential living space, a
water line above the electrical outlets, or a water line on the first floor when basement is
completely full
Based on this view, at least 12
units should be classified as
having major damage. All
units in an apartment building
will not necessarily have the
same damage level.

The visible water line on the
residence is higher than 18
inches on the first floor.

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Evaluating Damage and Impact for FEMA Individual Assistance Program
Minor: Conventionally built structures
Minor damage encompasses a wide range of damage that does not affect the structural integrity
of the residence. Some examples of minor damage include:









Nonstructural damage to roof components over essential living space to include large
areas of shingles e.g. roof covering, fascia board, soffit, flashing, and skylight
Non structural damage to the interior wall components to include drywall, insulation;
exterior components to include house wrap, missing doors, broken window framings; or
substantial loss of exterior covering, such as missing siding, vinyl, stucco, etc.
Multiple small vertical cracks in the foundation
Damage to chimney to include, tilting, fallen, cracks, or separated from the residence
Damage to or submersion of mechanical components, e.g. furnace, boiler, water heater,
HVAC, electrical panel, pressure tanks or well pressure switch, etc.
Water line less than 18 inches in an essential living space
Damage or disaster related contamination to a private well or septic system
This residence has
nonstructural damage to the
roof and broken windows.

The roof on this residence has
been tarp covered after it lost
some shingles.

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Evaluating Damage and Impact for FEMA Individual Assistance Program
Affected: Conventionally built structures
This category includes residences with minimal damage to the exterior of the home and nonessential basements. Residents can remain in the structure. Some examples of affected damage
include:








Partial missing shingles or siding (non-continuous/sporadic), home kept roof structure
intact
Cosmetic damage such as paint discoloration or loose siding
Broken screens
Gutter damage and debris
Damage to an attached structure such as a porch, carport, garage, or outbuilding not for
commercial use
Damage to landscaping, retaining walls, or downed trees that do not affect access to the
residence or has not collapse into residence
Any water line in the crawl space or basement when essential living space or mechanical
components are not damaged or submerged
Damage to this soffit
represents nonstructural
damage to the roof.

Only an outbuilding has
sustained damage.

The residence has gutter and
roof damage. The tree does not
impact the damage level of the
home.

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Evaluating Damage and Impact for FEMA Individual Assistance Program
Destroyed: Manufactured home
NOTE: One photo per dwelling is requested in this category.
The residence is a total loss. Any one of the following factors may constitute a status of
destroyed regardless of the cause of damage due by disaster:



The residence's frame is bent, twisted, or otherwise compromised
The residence is missing the roof covering and the structural ribbing has collapsed for the
majority of the roof system
The manufactured home is
missing the roof and at least
two walls.

The frame of the manufactured
home has been bent.

This manufactured home is
missing the roof covering, and
at least one wall has been
compromised.

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Evaluating Damage and Impact for FEMA Individual Assistance Program
Major: Manufactured home
NOTE: One photo per dwelling is requested in this category
The residence has sustained structural or significant damage that requires extensive repairs.
Any one of the following may constitute major damage:



The residence has been displaced from the foundation, block or piers, and other structural
components have been damaged
Water has come into contact with the floor system to include belly board insulation,
ductwork, and subflooring

Although much of the roof is
missing, the structural ribbing
of the roof system is still
intact.

Visible water line above the
floor system.

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Evaluating Damage and Impact for FEMA Individual Assistance Program
Minor: Manufactured home
The residence is damaged and requires minimal repairs. Some of the items that determine minor
damage are listed below:





There is no structural damage to the residence and it has not been displaced from the
foundation
Nonstructural components have sustained damage - e.g. windows, doors, wall coverings,
roof, bottom board insulation, ductwork, and/or utility hook up
Water line is below the floor system
HVAC interior mechanical unit is impacted

A portion of the roof has been
damaged.

The visible water line is below
the floor system.

Nonstructural components of
one wall have sustained
damage.

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Evaluating Damage and Impact for FEMA Individual Assistance Program
Affected: Manufactured home
This category includes residences with cosmetic damage only. It also applies to residences with
damage to a porch, carport, garage, and/or an outbuilding.

The only damage missing the
skirting.

There is no visible water line
and only skirting is missing or
bent.

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Evaluating Damage and Impact for FEMA Individual Assistance Program
Estimated Cost of Assistance
In order to estimate the cost of the disaster and the State or Tribal Government cost share for
FEMA Other Needs Assistance (ONA), if the incident were to be declared, FEMA will calculate
a probable assistance cost estimate at the conclusion of the Joint IA PDA. This estimated cost of
the disaster is based on the uninsured damage to homes collected during the PDA and includes
the following:






Historic program costs for repair or replacement assistance for uninsured owner occupied
primary residences for each of the four dwellings assessment levels -affected, minor,
major, destroyed
Cost of providing temporary housing assistance based on the U.S. Department of
Housing and Urban Development (HUD) fair market rent for the area of impacted owners
and renters for each of the four dwelling assessment levels - affected, minor, major,
destroyed and for inaccessible areas
Historic program costs for ONA awards

Red Cross Damage or Disaster Assessment (DA) Information
The American Red Cross (ARC) conducts Damage Assessments to proactively assess what is
required to deliver the organization’s assistance program and estimated cost. While the criteria
and methods used by the ARC in conducting these Damage Assessments are tailored to their
programs, they generally align to the criteria used by FEMA (described in this manual), the
information collected by the ARC can help emergency managers to develop an early
understanding of the damage impact.
Emergency managers should coordinate with ARC Government or Tribal Liaisons to gather
information similar to chart below to develop awareness and potentially identify areas where
local damage assessments are needed.
Red Cross Disaster Assessment information by county:
Jurisdiction

Destroyed

Major

Minor

Affected

County Total

TBD

TBD

TBD

TBD

TBD

TBD

Note: Financial information related to assistance provided by nongovernmental organizations
including the estimated cost of the operation may be sensitive and is not required for damage
assessments.

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Information Collected to Document Impact
The impact of disasters and the ability of the State or Tribal Government and affected
jurisdictions to support recovery can vary greatly and cannot often be illustrated solely by the
number of destroyed homes. For this reason, a variety of disaster related information should be
collected to lend substance context to requests for Stafford Act assistance. This information,
provided by emergency managers and nongovernmental organizations or through the use of
existing databases, should illustrate the
overall impact the disaster has had, and
Narrative Impact Statements should
underscore how the unique resources of the
illustrate the overall impact that the
Federal Government are required to support
disaster has had and underscore how
disaster survivors. This information will
the unique resources of the Federal
develop over time, but emergency managers
Government are required to support
are encouraged to begin collecting it early on
in the process to ensure it is available to be
disaster survivors.
included in the request for assistance. To
support the identification of information that may be used to develop these impact statements,
and to illustrate how it can be used to lend context to other information included in the
declaration request, examples have been provided throughout this section.
There is no established threshold or indicator associated with FEMA IA; however, factors
considered when evaluating the need for the IA program are discussed in the 44 CFR. Among
these factors are five areas that should be taken into account as local, States or Tribal
Governments are describing the impact of a disaster:
1. Concentration of damage
2. Trauma (deaths and injuries, disruption of normal community functions, emergency
needs, etc.)
3. Impact on populations with greater need
4. Ability of local, State or Tribal Government, and voluntary organization programs to
address needs
5. Uninsured/underinsured home and personal property losses
This section will examine each factor and discuss the kind of information that can be used to
illustrate damage and impact. As information used to illustrate impact may come from a variety
of sources, emergency managers are encouraged to coordinate with governmental and
nongovernmental service providers prior to a disaster to discuss how they can support damage
assessment efforts with reports or specific information.
Concentration of Damage
The concentration of damage to individuals is considered when evaluating requests for the
FEMA IA program. High concentrations of damage may indicate a greater need for Federal

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Evaluating Damage and Impact for FEMA Individual Assistance Program
assistance in some areas. However, FEMA also recognizes that widespread damage throughout
much of a State may be more difficult for the State to respond to.
Example statement on concentration:
The concentration of damage in Adams county (100 destroyed, 75 major, 200 minor, and
300 affected) will have a dramatic impact on recovery, as the number of people requiring
assistance will easily overwhelm the existing support network in the area. Federal
assistance provided through FEMA’s IA program would reduce the local burden and
concerns related to the future stability of the community.

Trauma
Generally, trauma considered when evaluating requests for the FEMA IA program includes
deaths and injuries, disruptions to normal community functions, and extended power or utility
outages. As trauma is discussed, preparers are encouraged to consider the ability of IA program
components to address the need. Incorporate these findings in your impact statement.
Disaster Related Deaths and Injuries
The number of individuals who are missing, injured, or deceased due to a disaster may indicate
higher levels of trauma and underscore the need for supplemental Federal disaster assistance
such as crisis counseling. States or Tribal Governments are encouraged to capture and report
disaster-related fatalities and injuries and include them in impact statements developed for the
declaration request.
Disruption of Normal Community Functions
Disasters can have dramatic impact on infrastructure that supports normal community functions.
State or Tribal Governments and local jurisdictions are encouraged to outline how damaged or
destroyed infrastructure has impacted commerce, disrupted normal life in the community, and/or
will complicate the recovery of individuals that depended on access. The following types of
impacts to a community’s infrastructure may adversely affect a population’s ability to reside
within the community and should be considered when preparing narrative impact statements
included in the declaration request for Federal assistance.


Loss of roads or bridges that serve as the sole/primary transportation route in a
community



Impact to water or sanitary treatment facilities



Impact to schools, government offices, and other important public infrastructure

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Evaluating Damage and Impact for FEMA Individual Assistance Program


Impact to public transportation, including busses, rail, and accessible transportation
services



Impact to supply of power and water to residential homes

Example impact statement on disruption of community functions:
Damage to the State Rt. 5 Bridge in Polk County has impacted the daily commute of more
than 2,500 residents and may have an aggravating effect on the local tourist economy as
the community recovers. The County Engineer estimates that the bridge will take more
than a year to repair. Assistance available through the FEMA IA program and the SBA
disaster loan program can help to alleviate anticipated economic injury and its impact on
rebuilding damaged homes.

Transportation infrastructure or utility disruptions may render housing uninhabitable or
inaccessible. Such conditions may affect the delivery of life sustaining commodities, provision of
emergency services, ability to shelter in place, and efforts to rebuild. The local, State or Tribal
Government may provide information regarding the impact on transportation infrastructure and
utilities of a period greater than 72 hours. Examples include closed roads and bridges, impacts to
public transportation such as a bus system, and extended utility outages. To the extent known,
information should be provided on the length of time for critical infrastructure and utilities to be
restored.
Impact to populations with greater need
The demographics of the disaster impacted population may be helpful in identifying areas of
increased need that require a more robust response from the State or Tribal and Federal
Government. This is important as disasters can disproportionately affect existing vulnerable
populations and impact recovery. As part of the damage assessment process, FEMA and the
State or Tribal Government should collect information related to and consider demographics of
impacted communities. The following data points available from the U.S. and Tribal
Government Census Bureau can be used by States or Tribal Governments to help illustrate
impact:






The percentage of the population living under poverty thresholds
The percentage of the population already receiving government assistance such as
Supplemental Security Income and Supplemental Nutrition Assistance Program Benefits
The pre-disaster unemployment rate
The percentage of the population that is 65 years and older
The percentage of the population 18 years and younger

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



The percentage of the population with a disability
The percentage of the population who speak a language other than English and speak
English less than “very well”
Any unique considerations regarding American Indian and Alaskan Native tribal
populations that may not be reflected in the U.S. Census Bureau data

Example impact statement regarding demographics:
US Census information shows that the population over 65 in northwestern Washington
County is more than twice that of state and national averages. Given the high percentage of
these residents living on fixed incomes, there is concern that the cost of recovery will have
a serious and potentially life-long impact on homeowners if Federal assistance is not made
available.

Local, State or Tribal Government
A variety of factors can affect the ability of even the most well-resourced local, State or Tribal
Government to provide assistance following a disaster. Understanding this, State or Tribal
Governments are encouraged to discuss available governmental and nongovernmental resources
available to support recovery, and specifically discuss limiting factors that may impact the
recovery of disaster survivors. This section will outline information that local, States or Tribal
Governments generally use to show that current capabilities are not adequate to address disaster
related needs without the support of the Federal Government.
State or Tribal Government Disaster Assistance Programs
State and Tribal Governments have a responsibility to take care of their citizens. In furtherance
of that responsibility, some States and Tribal Governments have developed assistance programs.
These programs vary in the amount and type of assistance available, requirements, and funding
sources. When a State or Tribal disaster assistance program may be available to support disaster
related unmet needs, narrative statements should be included in the declaration request to outline
the assistance that will be provided and how/if the program may be applied to address needs
unmet by the FEMA IA programs. As an example, a State or Tribal Government program may
have in place a self-funded assistance program, specifically related to disaster assistance or
generally available for housing repair or other needs that could be utilized.

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Assistance from Voluntary Organizations
Voluntary, faith and community-based organizations will often provide support to disaster
survivors following a disaster. Needs identified by voluntary organizations may be helpful in
illustrating the scale and magnitude of the event, and limitations that impact their ability to
address survivor needs may highlight the need for Stafford Act assistance. It is important to note
that financial information related to assistance provided by NGOs including the overall cost of
the operation may be sensitive and is not required for damage assessments.
Example impact statement regarding voluntary organization support:
The response of voluntary organizations to the feeding and sheltering needs of McHenry
County has been robust, but there is concern that high profile disasters on the Gulf coast
will have a negative impact on philanthropic giving and the availability of trained
volunteers to support recovery. This will dramatically affect the ability of impacted lowincome homeowners to rebuild damaged homes without Federal disaster assistance.

Emergency Sheltering Information – Information related to congregate and non-congregate
(i.e. shelter with family, dorms, ships, tents) care sheltering operations can help to estimate the
number of people displaced from their homes and serve as a key gauge that can be used to
illustrate the scale and magnitude of the disaster. Activity related to emergency sheltering should
be included in the declaration request for assistance, especially in cases when shelters are
required for more than 72 hours and when displaced residents are unable to return to their homes
due to damage sustained in the disaster. Information that can be helpful in developing these
statements includes:








Location of each shelter
Daily overnight population for each shelter
Number of schools closed because facility is being used as a shelter
Number of residents provided with hotel rooms as part of a sheltering program
Support provided by government and partners to assist with emergency sheltering
Assistance and services required to support people with access and functional needs in
emergency shelters
Location and population of shelters established to support household pets

Information related to individual shelters described in the table below:
Jurisdiction
TBD

Shelter Name

Shelter Location

TBD

TBD

Date
Opened

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TBD

Date Closed
TBD

Peak
Population
TBD

Current
population
TBD

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Evaluating Damage and Impact for FEMA Individual Assistance Program
Mass Care/Emergency Assistance-Feeding Operations Information – Can be helpful in
illustrating the scale and scope of the disaster especially when government assistance is required
or feeding operations are maintained for more than 72 hours. Information that can be used to
describe activity and impact may include:






Number and location of fixed feeding sites (by county)
Number of vehicles providing mobile feeding
Jurisdictions being supported by mobile feeding
Number of meals served
Partners involved in feeding operations

Individual Client Assistance (Client Casework) Information – State social service agencies
and disaster service organizations, like the ARC, will routinely open cases following a disaster to
support the immediate needs of survivors. This information can be helpful in illustrating the
disaster impact to survivors in a community, and can be used to illustrate the overall scale and
magnitude of the disaster. Information that can be used to describe activity and impact may
include:











Agency or organization providing assistance
Number of cases opened
Number of clients served in cases
Number of cases closed
Number of health services contacts
Number of mental health contacts
Types of assistance requested
Presence of resources to meet the needs of clients
Number of cases expected to be referred for substantive repair or rebuild assistance
Number of cases with unmet needs

Information Related to Distribution – (Distribution of Emergency Supplies) – The quantity
and type of assistance provided through distribution can be helpful in illustrating the scale and
magnitude of the disaster. This is especially true following disasters like urban basement
flooding where damage assessment may be difficult, when distribution is used to address critical
life-saving/sustaining needs (e.g. distribution of shelf-stable meals and water, or health related
distribution), or when government assistance is necessary to support distribution of emergency
supplies. Information that can be used to describe activity and impact may include:







Distribution used to address a critical life-saving or sustaining need
Durable medical equipment
General categories of items (e.g. cleanup kits, shelf-stable meals, medicine, etc.)
Government assistance required
Jurisdictions served by distribution
Trend line of the volumes of distributed items by type

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Information Referral Services – Information referral services like 2-1-1 and 3-1-1 are
frequently used by people dependent on the social service network and may serve as a key source
of information related to the needs of vulnerable populations. Increased call volume and the
general type of services requested may also help to illustrate the scale and magnitude of the
disaster and assist with identifying areas of unmet need. Information that can be used to describe
activity and impact may include:





Number of calls received following the disaster as compared to average steady-state call
volume
Zip codes where calls were received from
General types of assistance requested
The presence or absence of a service provider to refer callers to for their categories of
need

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Evaluating Damage and Impact for FEMA Individual Assistance Program
Uninsured/Underinsured Home and Personal Property Losses
Discussed in much more detail in pages 45-60 above, capturing an accurate picture of the
number of uninsured homes is critical to the damage assessment process. Large numbers of
damaged uninsured homes or damaged homes without insurance applicable to the peril, may
suggest a greater need for supplemental Federal assistance. Generally this information is
developed in conjunction with State insurance commissions or through their avenues such as GIS
or CENSUS information.
To protect the personally identifiable information of impacted individuals and the proprietary
information held by the insurance industry, insurance information is typically aggregated at the
county, census block, or zip code level.
Other Relevant Impact Data
When the factors addressed in the 44 CFR do not fully capture the impact of a disaster, the State
or Tribal Government requesting Stafford Act assistance may use other impact information that
better describes the situation and the need for Federal assistance. Information regularly used by
States and Tribal Government includes:









Evacuations - estimated duration
Lack of building materials
Contractor shortages
Extreme weather conditions and seasonal shifts that may impact recovery
The loss of low-cost or subsidized housing
Economic Impact created by displaced employees or damaged businesses
Disaster-Related Unemployment
Cumulative Effect of Recent Disasters

Example impact statement regarding other relevant information:
Based on field assessments and self-reporting in Franklin County, it is estimated that
nearly 25,000 furnaces have been damaged or destroyed. Given the short window of time
available before the onset of winter (average low temperatures in October will dip below
freezing), there is concern that residents will be able to make necessary repairs without
Federal assistance.

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Damage Assessment Methods

Damage Assessment Methods
Efficient damage assessments require an understanding of the different methods that can be used
to collect damage and impact information. While the information that is gathered to assess
damage and evaluate the impact of a disaster is relatively simple and does not change, a one
dimensional approach to collection may increase the time required to assess damage or limit the
quality of information developed.
The assessment methods used will directly affect staffing and timeline requirements, so care
should be taken to select methods that can most efficiently deliver information needed to make
disaster declaration decisions. This requires emergency managers to employ methods that
balance speed with quality, and to constantly consider information that can be used to verify or
validate the ground-level information being obtained.
When evaluating what methods will be used to assess damage and impact, emergency managers
should consider the information and timeline requirements and options available. Often, a phased
approach that leverages the utility of various methodologies will be used in order to quickly
assess and then refine damage and impact information. For instance, an emergency manager may
choose to use a phone bank or internet-based self-reporting system to collect initial IA damage
information from residents before sending field assessment teams into the field to verify the
information provided.
By outlining the different methods that can be used to assess damage and impact after a disaster
and the factors that influence how and when these methods may be employed, this section will
assist emergency managers in developing and implementing damage assessment strategies
capable of efficiently delivering accurate damage and impact information to decision makers.

Factors That Influence Assessment Methods Used
Damage assessment methodology should adapt to information collection verification and
validation requirements. Major factors that influence the methodology employed include incident
type, program being evaluated, and assessment phase.
Incident Types
Different types of incidents may require different approaches and timelines. While disasters like
fires, tornadoes, and hurricanes often produce readily visible damage that can quickly be
assessed using windshield assessments, fly-overs, or geospatial analysis, other disasters like
basement flooding may require more time and resource intensive door-to-door assessments.
Programmatic Requirements
PA and IA programmatic damage assessment requirements also influence how disaster damage
is assessed. While information required to make damage determinations for the FEMA IA
programs may be able to be gathered quickly with minimal contact with survivors, information
and supporting documents needed to accurately assess damage and estimate cost for the FEMA
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Damage Assessment Methods
PA program will often require more in-depth site assessments and direct contact with potential
applicants. This may limit the effectiveness of certain damage assessment methods or require
that they be used in conjunction with others capable of gathering more granular information.
Assessment Phase and Timeline Requirements
The assessment phase may influence the methods used to collect damage and impact
information. This is easily understood when one considers that methods employed and the
timeline required to identify and assess damage during the local assessment phase will differ
from those used to validate the same during the Joint PDA. While the methods used may differ,
emergency managers and assessment teams at every level should take into account the actions
and information requirements of each phase when developing plans, training staff, and
conducting damage assessments.

Typical Damage and Impact Assessment Methods
Self-Reporting
Self-reporting is primarily conducted at the local or county level to develop initial damage
information and may use one or more intake systems including phone banks, web-based forms
linked to existing local webpages, paper forms, and mobile applications. This method can be an
extremely efficient way to gather initial damage information from survivors and potential
applicants when damage is not easily seen, when a large number of impacted homes will
challenge assessments, or when damage is extremely widespread. Initial damage information
gathered through self-reporting methods will need to be verified by local assessment teams
before final numbers are delivered to the State or Tribal Government. This assessment method
requires forethought, effective communication, and the development of systems necessary to
intake information, but may dramatically decrease the amount of time required to conduct initial
damage assessments.
Benefit:

Leverages community and potential applicants to rapidly conduct initial
damage assessments and can be tailored to deliver more granular
information

Drawback:

Information will need to be confirmed and intake systems must be in place
at the time of the disaster to be effective

PA damage reported by potential applicants to local or county emergency management officials
will need to be confirmed before delivery to the State or Tribal Government. This will give
emergency managers an opportunity to ensure that damage and cost are adequately captured and
that supporting documents needed during State or Tribal Government and Federal verification
and validation efforts are prepared.
Self-reporting IA methods are often employed by local or county emergency managers to
quickly develop initial damage information. When aggregated, this information may be helpful
in identifying areas of concentrated or heavy damage. Self-reporting systems should be designed
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Damage Assessment Methods
carefully so that the information is collected in a way that recognizes that users are not familiar
with the standardized FEMA assessment criteria. Residents reporting damage are largely
accurate about the information they provide, however, they will often state that they have “major
damage” if given only the option of the four standard damage categories (Affected, Minor,
Major, Destroyed). Therefore initial damage reports will need to be confirmed in some manner
before being delivered to the State or Tribal Government. While it may not be feasible to
confirm all reported damage information, local assessment teams should confirm damage to
homes categorized as Major or Destroyed and sample homes categorized as Minor and Affected
to ensure accuracy. Assessment teams confirming damage should take photographs of damage
used to assess a home as Major or Destroyed to reduce the time required to verify and/or validate
information.
Fly-Over
Fly-over surveys are an efficient way to assess damage and are used to collect information when
damage is visible from the air, when rapid assessments are required, and/or when damage is
remote or not easily accessed. Because this assessment method may reduce the quality of
information collected, it is generally associated with disasters where damage is obvious and for
initial assessments where information will be confirmed with ground-level assessments.
Benefit:

Allows rapid assessment of damage

Drawback:

Damage must be easily observable from the air and the quality of
information may not be adequate to make IA damage assessments or
estimate the cost of PA projects without follow-up

Because PA damage assessments require a considerable amount of site-level information, flyover surveys may only be appropriate for specific categories of work where damage information
and cost estimates can be developed from the air. More commonly, information developed from
the air is combined with site-level information. Assessment teams conducting fly-overs should
take photographs of infrastructure damage to leverage verification and validation efforts.
Fly-over surveys may be used to collect IA damage information when damage is visible from the
air. Typically, damaged homes are counted in clusters (e.g. a cluster may equal 5 to 100 homes
depending on the magnitude of the disaster, speed of the flight, and the density of the dwellings).
It is strongly suggested that some “on the ground verification” be done to confirm damage
reported during the fly-over and to collect anecdotal information related to insurance coverage,
occupancy type (owner or renter), and other significant information to support census
information collected to develop impact statements. Assessment teams conducting fly-over
surveys should take photographs of damage clusters containing homes assessed as Major or
Destroyed to reduce the time required to verify and/or validate information.
Windshield Surveys
Windshield surveys are an efficient way to assess damage from a vehicle and are used to collect

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Damage Assessment Methods
field-level information when damage is visible from the road. This assessment method can be
used to quickly assess, and validate damage but may reduce the quality of information collected
for certain types of incidents and PA categories of work.
Benefit:

Efficient field-level assessment method

Drawback:

Damage must be easily observable

Because PA damage assessments require a considerable amount of site-level information,
windshield surveys may only be appropriate for specific categories of work where damage
information and cost estimates can be developed from a vehicle. Local PA assessment teams
conducting windshield surveys should take photographs of damage to reduce the time required to
verify and validate information. In this case, windshield assessments can leverage other
assessment methods (e.g. site assessments) to more efficiently develop required information.
Windshield surveys are often used during IA damage assessment to assess, verify, and validate
damage. Assessment teams will record observed damage while driving through impacted areas,
periodically stopping to conduct interviews to provide anecdotal evidence related to insurance
coverage, occupancy type (owner or renter), and other significant information to support census
information collected to develop impact statements. Assessment teams conducting windshield
surveys should take photographs of damage used to document a home as Major or Destroyed to
reduce the time required to verify and/or validate information. This process is repeated street-bystreet for the team’s assigned area.
Door-To-Door and Site Assessments
Door-to-door and site assessments are regularly used to collect field-level information needed to
assess damage for the IA and PA programs. This assessment method is labor intensive but highly
accurate and is generally used when damage is less visible or when a higher degree of confidence
in the information is required.
Benefit:

highly accurate

Drawback:

time and labor intensive

Because PA damage assessments require a considerable amount of site-level information, Local
PA damage assessment teams will almost always need to conduct site assessments. The teams
conducting site assessments should take photographs of damage to support restoration work and
cost estimates and reduce the time required to verify and validate information. If the information,
photographs, and supporting documentation developed during these local assessments is
adequate to remotely verify and validate damage, program requirements, and cost, local, State or
Tribal Government and Federal teams may only be required to conduct site assessments for large
projects (adjusted annually) and/or projects that have environmental or historic significance.
IA damage assessment teams will often use door-to-door assessments during appeal PDAs or
when damage cannot otherwise be assessed, verified, or validated due to the type of damage.
Assessment teams conducting door-to-door assessments should take photographs of damage used
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Damage Assessment Methods
to assess a home as Major or Destroyed to reduce the time required to verify and/or validate
information. It is important to note that assessment teams are not required to enter the home
during door-to-door assessments – typically information needed to make a damage determination
can be gained from the occupant or viewed from outside the home. Teams should only enter
damaged dwellings as a last resort, and should do so only with the permission of the occupant
and after safety-considerations are evaluated by the team.
Geospatial Analysis and Geographic Information Systems
Geospatial analysis and Geographic Information Systems (GIS) play important roles throughout
the damage assessment process. Geospatial analysis uses existing and post event satellite or flyover imagery and data to assess damage and is typically used to expedite damage assessments
when more traditional methods will unnecessarily protract the time required to assess damage.
GIS can be used throughout the process to describe damage, perform analysis, and illustrate
impact. These tools can greatly improve the efficiency and effectiveness of damage assessments;
however, the capacity must be developed prior to a disaster.
Benefit:

Allows rapid assessment of damage and enhances analysis

Drawback:

GIS capabilities vary by State or Tribal Government and jurisdiction and
Federal resources are often required for geospatial analysis. It can be
difficult to discern specific damage details from GIS imagery.

GIS datasets can be a great asset during both IA and PA damage assessments, giving emergency
managers the ability to analyze damage against information available from other sources (e.g.
critical infrastructure networks, hazards, demographic information, and historic damage).
Geospatial analysis provides a tremendous asset that can be used to quickly identify and assess
damaged homes and infrastructure in the wake of a disaster. These resources will be discussed
further in the Integration of Geospatial Analysis and Technology section. Additional information
is available in FEMA publication 9321.1-PR Remote Sensing in Federal Disaster Operations for
procedures.
Modeling
Predictive modeling can be used in a variety of ways to estimate probable damage. These
products are produced by a number of universities, private sector firms, and Federal agencies
including US Geological Survey, National Oceanic and Atmospheric Administration, National
Hurricane Center, National Weather Service, USACE, and FEMA. Predictive modeling can be
used to get an approximation of the extent and location of damage in large events. While damage
will need to be confirmed in most cases, modeling may be helpful in identifying areas of
probable damage.
Benefit:

Allows rapid identification of probable damage areas

Drawback:

Federal resources are often required to develop models and damage will
need to be confirmed through ground-level assessments in most cases

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Damage Assessment Methods
Predictive modeling can be used to rapidly predict damage that is likely to be or likely to have
been caused by a disaster and can be used to leverage resources during both IA and PA damage
assessments. Common modeling products used include hurricane prediction maps (wind speed,
rainfall, and storm surge), earthquake shake maps, tornado track maps, and Hazards United
States (HAZUS).

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Integration of Geospatial Analysis and Technology

Integration of Geospatial Analysis and
Technology
Geospatial analysis and technology supports all phases of the damage assessment process and
program implementation. Such analysis and other technical methods of gathering data related to
disaster impacts can be used to augment damage assessment teams at all levels. Remote sensing
data collection and analysis can be focused on areas with the most impact and visibly discernable
damage, while ground teams could be directed to areas with lesser impacts that would require inperson assessments to make a damage determination. By using a combination of geospatial
analysis and ground teams, more of the impacted area can be assessed at a faster rate than
traditional ground team methods. In some instances the geospatial damage assessment may be
capable of replacing ground assessment teams, especially in circumstances when damage
assessments need to be conducted on a timeline that would not allow the use of traditional
ground methods.
Geospatial analysis is an emerging tool within FEMA and the emergency management
community and it is important for program decision-makers to have an understanding of the
opportunities and limitations to the analysis. The information provided in this section has been
developed to illustrate opportunities and best practices in the use of geospatial technology and
how it can be used to support damage assessments.
Geospatial Analysis and Technology Overview
Geospatial analysis may be used to identify damage and quickly determine the type of assistance
needed to support the recovery of individuals and communities. The analysis process involves
the evaluation of multiple sources of imagery, using geospatial models, and other remote sensing
data to assess damage.
In order to accurately and consistently evaluate damage, FEMA has developed peril specific
definitions for the geospatial analysis of damaged homes and infrastructure. These damage
definitions have been developed and refined over time in collaboration with FEMA program
experts, experienced geospatial analysts, and structural engineering specialists from multiple
organizations.
FEMA relies on multiple internal and external sources to provide data and/or analysis to support
the geospatial damage assessments. Representing agencies and organizations from across
government and the private sector geospatial damage assessment partners include:






State or Tribal Governments
FEMA Geospatial Information Officer (GIO)/Regional Geospatial Staff
FEMA Modeling Task Force (MOTF)
National Geospatial-Intelligence Agency (NGA)
U.S. Geological Survey (USGS)

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Integration of Geospatial Analysis and Technology



National Oceanic and Atmospheric Administration (NOAA)
Private contractors.

Geospatial Damage Assessment Process
Before, during, or after an event, an Area of Interest (AOI) is determined by analyzing forecast
models or event data such as a storm track, tornado track, USGS Shake maps and other products
that can be compared to population density and demographic data. After coordination to ensure
the AOI meets FEMA/Federal, State or Tribal Government, and local requirements, the AOI is
defined by using the U.S. National Grid and submitted to a FEMA remote sensing collection
entity. If there is more than one AOI, they are prioritized before being provided to the remote
sensing collection entity. There are a variety of remote sensing options available for use during
an event, descriptions of which can be found in the data discussion below.
Once the imagery has been collected, it needs to be evaluated by analysts with proven
understanding of the geospatial damage assessment process. Analysts can include internal FEMA
geospatial analysts, a private contractor/organization, or a Federal agency such as NGA. This
data is then merged with impact data produced by such groups as the FEMA MOTF and OFA’s
(NOAA, USGS, etc.) resulting in a detailed, house-by-house assessment that can be used to
assess the need for the IA programs. This methodology can be equally applied to support
geospatial damage assessments of roads, bridges, schools, hospitals and other public
infrastructure used to assess the need for the PA) program.
Partnerships between FEMA and local, State or Tribal Government counterparts are important
for data and analysis sharing and the accurate efficient assessment of damage. Quality parcel and
imagery information maintained by States, Tribal Governments, and local jurisdictions can
dramatically shorten assessment timelines and improve the quality of analysis. Similarly,
information maintained by FEMA may be helpful to States or Tribal Governments as they
analyze the damage and impact of an event. When needed, FEMA can often provide geospatial
specialists to State or Tribal Government following a disaster to assist with the aggregation and
analysis of damage information provided by municipal and county emergency managers.
Using Static and Event Data and Imagery
Data is the most significant variable in the geospatial damage assessment process. A highly
accurate damage assessment begins with access to quality data from many different sources.
Pre-event static data such as population density, demographic data, and property parcel
information should be compared to post event information and imagery – damage to locations
developed during ground-based damage assessments, hurricane path, tornado track, fire-lines,
lava-flows, and other disaster related geospatial information. Static data must be analyzed along
with event-specific data to determine the actual extent and severity of the disaster.

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Integration of Geospatial Analysis and Technology
Parcel data is incredibly valuable because it provides owner specific property information such
as, commercial versus residential, primary versus secondary residential use, number of structures
on the parcel and valuation.
Static Data
•
•
•
•
•
•
•
•
•
•

Pre-event imagery (see below)
Parcel/Structure Data
LandScan/Census Population data
Elevation (Digital Elevation Model)
Zip codes (+ 4)
Floodplain Data
Environmental/Historical Event Data
Critical Infrastructure/Key Resources
National Flood Insurance Program
(NFIP) Data
Census/Demographic Data

Event Data
•
•
•
•
•
•
•
•
•
•
•
•
•

FEMA Damage Assessment Operations Manual

Damage infrastructure or home
locations
Post event imagery (see below)
High Water Lines or Flood Depth
Property damage from aerial analysis
Storm Track
Shake Map (USGS)
Sea, Lake, and Overland Surges
from Hurricanes (SLOSH) Models
HAZUS Data (economic loss
impacts)
Stream/River Gauge Data
Depth Grids for flooding
Precipitation Forecasts/Observations
Road Closure/Infrastructure Status
Data
Utility/Power Outage Data

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Integration of Geospatial Analysis and Technology
Geospatial Imagery
Remote sensing imagery helps analysts determine the extent of damage to homes and
infrastructure. Imagery can fall into both the static and event category based on when it is
captured. The following is a list of imagery data sources used to support analysis in which
geospatial analysts will determine and request the most appropriate source based on the event
and availability of the data:









High Resolution Orthorectified Satellite Imagery (20 inch or 0.41 meter pixel resolution
if possible)
High Resolution Orthorectified Airborne Imagery (10 inch pixel resolution or better).
This imagery should be acquired at an overhead/nadir angle. For best results, 6 inch
oblique imagery should be acquired.
Synthetic Aperture Radar (SAR) or Light Detection and Ranging (LiDAR) sensors: Used
for mapping flooding extents and change detection on land.
Civil Air Patrol (CAP) Photos: Geo-tagged photos collected through mission assignment
that are most often simple airborne collected images that are not Orthorectified, and can
also include ground collected photos.
Traditional Media: Photos or news footage can be geo-located in order to determine
locations of damaged houses.
Social Media: Geo-tagged photos or videos posted to social media sites such as
Facebook, Twitter, Instagram, etc.

Figure 1: The below graphic shows house-by-house damage assessments of flooding in Minot,
ND. The analysts used multiple sources of imagery to provide the assessments

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Integration of Geospatial Analysis and Technology
Geospatial Considerations for All Disasters
There are limitations for geospatial damage assessments that may greatly impact its use in
analysis. When the following limitations exist, the timeliness of geospatial analysis can be
affected.


Weather: Cloud cover can often obstruct views for collection of damage in both satellite
and airborne imagery. In addition, dangerous weather conditions can prevent planes from
flying to collect airborne imagery.



Flight Prohibition: Airborne imagery collection may be temporarily prohibited in areas
with ongoing Search and Rescue Operations.



Poor Data Environments: In some areas of the United States, detailed parcel and
population data are not available. This creates a challenge during analysis and may affect
the ability to provide the information required to support processing by the National
Processing Service Center (NPSC).



Contract Acquisition Timeline: The FEMA acquisition process to obtain needed
airborne imagery and/or analytic support can be delayed; impacting the timely attainment
of data.



Impacted Area: In urban areas with more apartment buildings, geospatial analysis may
not be able to further refine the damage level by apartment unit. In rural areas steep
terrain, heavy tree canopies or a lack of parcel data can be a limitation. These kinds of
instances require additional analytical time and can prevent the analysis for certain
properties.

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Integration of Mobile Technology
Mobile damage assessment applications allow field assessment teams to disseminate intime actionable damage and impact information via cellular networks or the Internet.
Damage Assessment applications may eliminate the time required to deliver paper-based
assessment reports previously delivered at the end of the day. Additionally, the ability to
instantly distribute damage information to central databases removes the communication
lag between local, State or Tribal Government, and Federal emergency managers.
The standardized information used to assess damage described in previous sections may
appear daunting to a field assessment team member. Mobile damage assessment
applications can increase the accuracy of information collected by serving as job-aids that
walks the assessor through the information required to evaluate damage. This
standardized information intake approach combined with the ability to attach photographs
to each assessment conducted, also allows for immediate verification and feed-back.
Together, these simple elements increase the quality of information developed in the field
and enable emergency managers to further leverage the use of non-emergency
management staff to conduct assessments and increases capability.
Collecting assessment data electronically
and storing it in one central location
makes it much easier to develop standard
reports that allow local, State or Tribal
Government, and Federal emergency
management agencies to more quickly
analyze information developed in the
field. Rooted in the concept of
interoperable communications, this
requirement is fundamental to our ability
to develop a common operating picture.
This approach also makes it easier to take assessment data and combine it with other data
sources such as demographic data from the U.S. Census Bureau or historical data from
FEMA and emergency management organizations and leverages our ability to understand
how an event has impacted a community.

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Appendix A: Roles and Responsibilities
Note: The checklists provided in this Appendix are intended to serve as guiding principles that may assist
the user with applicable tasks in their roles. They are not intended to represent a one-size fit all approach
or to require staffing for any specific role.

Local or County Damage Assessment Coordinator
Identify and train personnel to assess damage to homes according to criteria
defined by FEMA
Identify potential PA applicants and train them to collect necessary information
and supporting documentation defined by FEMA
Aggregate and submit local damage assessment information and supporting
documentation to the County, State or Tribal Government as appropriate
Coordinate with the County, State or Tribal Government as appropriate to
schedule joint PDA field assessments
Coordinate with potential PA applicants so they are prepared to schedule and
attend the PA PDA briefing and interview
Provide an overview of the incident for Joint PDA team
Provide map(s) illustrating damage in the jurisdiction
Serve as an expert on local disaster history, unique cultural considerations, and
other challenges that complicate recovery
Provide impact statement information to State or Tribal Government as requested
Guide Joint PDA team members to damaged sites
Confirm that all damaged areas are surveyed during the Joint PDA

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Local or County PA Damage Assessment Team Member
(Representative of Potential Applicant)
Identify and document damage to infrastructure and estimate restoration cost
Document emergency protective measure and debris removal activity and
estimate cost
Confirm insurance deductibles and limits for damaged facilities
Collect documentation necessary to support estimates (important for large
projects or when PA program eligibility may be in question)
Summarize damage on annotated map(s)
Summarize the impact damage will have on normal community functions (e.g.
number of people impacted and estimated duration)
Submit damage assessment information to the Local or County Damage
Assessment Coordinator according to established protocol
Answer questions related to submitted damage, activities, and impacts posed by
Joint PDA team members
Guide and accompany Joint PDA team to damaged sites as necessary
Collect and submit additional information or supporting documentation requested
by Joint PDA team members

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Local or County IA Damage Assessment Team Member
Document the location of and level of damage to homes and businesses
according to criteria defined by FEMA
Document trauma, disruption of normal community functions, areas of
concentrated damage, and areas where there is a high numbers of residents from
defined special populations observed in the field.
Accompany Joint PDA field teams when necessary

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State or Tribal Government Damage Assessment Coordinator

Establish and maintain communication with local or county emergency managers
conducting damage assessments
Provide technical or subject matter expertise to local or county damage
assessments as necessary
Support IA and PA programmatic lead efforts to ensure that information
provided by Local or County Damage Assessment Coordinators is verified in
some manner and that impacted jurisdictions are ready to receive Joint PDA
teams
Coordinate the development of a State or Tribal damage assessment summary
prior to the Joint PDA
Coordinate transportation for Joint PDA teams, including the need for specialized
transportation when necessary, e.g. aircraft, boats, etc.
Sufficiently equip staff for successful task completion
Identify and secure the facilities necessary to support Joint PDA operations
Establish operational strategy, schedules and reporting requirements in
conjunction with the FEMA PDA Coordinator
Provide an overview of the disaster during the Joint PDA briefing for Joint PDA
team members
Participate in conversations related to PA programmatic eligibility questions and
IA damage determinations that are unable to be resolved in the field (as
necessary)
Identify an External Affairs representative to serve as the primary point of
contact for media inquiries
Identify a primary State or Tribal Government point of contact for
environmental, historic, mitigation, and other special considerations
Participate in the exit briefing at the conclusion of the Joint PDA
Participate in the development of the request for Federal assistance as necessary

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State or Tribal Government PA Damage Assessment Team Lead
Serve as a principal State or Tribal Government PA programmatic point of
contact throughout the damage assessment process
Provide PA programmatic guidance to Local or County Damage Assessment
Coordinators as necessary
Ensure that information provided by Local or County Damage Assessment
Coordinators is verified in some manner and that impacted jurisdictions are
ready to receive Joint PDA teams
Provide PA input for the State or Tribal damage assessment summary that will be
delivered to the FEMA Regional Office with the PDA request
Work with the FEMA PA PDA Team Lead to develop PA Joint PDA team
assignments
Provide State or Tribal Government PA input during the Joint PDA briefing
Coordinate with Local or County Damage Assessment Coordinators to schedule
interviews with potential applicants and field assessments
Maintain contact with Local or County Damage Assessment Coordinators and
keep them apprised of changes to the Joint PDA schedule
Provide programmatic guidance to assigned staff as needed
Participate in conversations related to PA pragmatic eligibility questions that are
unable to be resolved in the field, and coordinate with potential applicants as
necessary to address challenges
Confirm that Joint PDA teams have met with all impacted jurisdictions and
validated all reported damage
Participate in the exit briefing at the conclusion of the Joint PDA
Participate in the development of the request for Federal assistance as necessary

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State or Tribal Government PA Damage Assessment Team Member

Serve as the State or Tribal representative on Joint PDA PA field team
Record and maintain contacts, operational strategy, schedule, reporting
requirements, and other information provided in the initial briefing
Coordinate with Local or County Damage Assessment Coordinators to confirm
schedule and meeting location for interviews with potential applicants and site
assessments
In coordination with FEMA counterpart, provide local officials and potential
applicants with an overview of PA program and the information and
documentation that the Joint PDA team will use to validate estimates
Conduct interviews with potential applicants and field assessments to validate
information provided
In coordination with FEMA counterpart, review information and documentation
provided or observed to validate estimates
Provide guidance to potential applicants necessary to address missing
information or documentation
Maintain copies any documents provided by potential applicants
Provide guidance to potential applicants on special considerations that must be
taken into account as infrastructure is restored (e.g. contract requirements,
environmental or historic considerations, etc.)
Work with the FEMA counterpart to reconcile differences in assessments, and
elevate challenges to State or Tribal PA Damage Assessment Lead when they
cannot be resolved in the field
Confirm with each potential applicant that no additional damage or impact
information is available at the conclusion of the interview or site assessments
Prepare and submit findings to the State or Tribal Government PA PDA Team
Lead according to established requirements and timelines

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State or Tribal IA Damage Assessment Team Lead
Serve as a principal State or Tribal Government IA programmatic point of
contact throughout the damage assessment process
Provide IA programmatic guidance to Local or County Damage Assessment
Coordinators as necessary
Ensure that information provided by Local or County Damage Assessment
Coordinators is verified in some manner and that impacted jurisdictions are ready
to receive Joint PDA teams
Provide IA input for the State or Tribal damage assessment summary that will be
delivered to the FEMA Regional Office with the PDA request
Work with the FEMA PDA IA Team Lead to develop IA PDA team
assignments, reporting requirements, and schedule of operations
o

While FEMA will coordinate with SBA for the Joint PDA, the State or Tribal
Government will work directly with SBA when a SBA only damage assessment
is requested

Coordinate with Local or County Damage Assessment Coordinators to schedule
IA Joint PDA field assessments
Provide State or Tribal Government IA input during the Joint PDA briefing
Maintain contact with Local or County Damage Assessment Coordinators and
keep them apprised of changes to the Joint PDA schedule
Provide updated or localized demographic, income, homeownership, occupancy,
and/or insurance to FEMA when the State or Tribe would like information other
than that available from the U.S. Census to be used.
Provide programmatic guidance to assigned staff as needed
Participate in conversations related to damage determinations that are unable to
be resolved in the field
Confirm that Joint PDA teams have met with all impacted jurisdictions and
validated all reported damage
Conduct post field assessment briefings with assigned team members to gain any
missing/additional information
Collect and refine data and draft county impact narratives submitted by State or
Tribal Government IA PDA Team Members
Coordinate with other State or Tribal Government agencies to gather impact data.
Participate in the exit briefing at the conclusion of the Joint PDA
Participate in the development of the request for Federal assistance as necessary

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State or Tribal Government IA Damage Assessment Team Member
Serve as the State or Tribal representative on Joint PDA IA field team
Record and maintain contacts, operational strategy, schedule, reporting
requirements, and other information provided in the initial briefing
Coordinate with Local or County Damage Assessment Coordinators to confirm
schedule and meeting location
In coordination with FEMA counterpart, provide local officials with an overview
of IA program and the criteria that the Joint PDA team will use to validate
damage
Discuss impacts that the disaster has had with the Local Damage Assessment
Coordinator
Conduct field assessments as part of the Joint PDA team to validate damage
according to criteria defined by FEMA
Work with the FEMA counterpart to reconcile differences in assessments, and
elevate challenges to State or Tribal IA Damage Assessment Lead when they
cannot be resolved in the field
Confirm with Local or County Damage Assessment Coordinator that no
additional damage or impact information is available at the conclusion of the
field assessments
Prepare and submit findings to the State or Tribal Government IA PDA Team
Lead according to established requirements and timelines

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State or Tribal Government Voluntary Agency Liaison
Contact the leadership of active voluntary organizations, VOADs, and COADs to
gather information related to activity and capacity
Document any challenges that may limit assistance available from voluntary
organizations in the short and long term
Discuss any trauma reported by survivors
Discuss observed demographic trends that may impact recovery (i.e., high
numbers of clients who are elderly, low income, non-English speaking)
Document volunteer and donations management activity/capacity/challenges
Document existing VOADs, COADs, or long term recovery groups in the area,
ability to provide disaster case management, and other information that can be
used to anticipate capacity to address needs through recovery
Provide information gathered in narrative form to the State or Tribal Government
IA damage assessment Team Lead

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State or Tribal Government Mass Care and Emergency Assistance
Crew Lead
Contact active government and nongovernment agencies and organizations
involved in mass care activities to gather information related to activity and
capacity
Document shelter locations and the number of overnight stays
If shelters have closed or were not opened, document where impacted residents
are currently living
Document areas served by mass feeding operations and the number of meals and
snacks distributed
Document distribution activity, including the type and number items distributed
Document evaluations and mass care activity related to evacuation support
Document the number of health and safety contacts
Document the number of mental health contacts
Document the number of client cases opened and closed
Document operation or activation levels established by active national
organizations
Document any challenges that will challenge the continued provision of required
mass care and emergency assistance support
Provide information gathered in narrative form to the State or Tribal Government
IA damage assessment Team Lead

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FEMA PDA Coordinator
Establish an operational strategy, schedules, and reporting requirements in
conjunction with the Local, State or Tribal Government PDA Coordinator
Ensure that appropriate staff are deployed to support State or Tribal Government
PDA requests
Ensure that FEMA staff are appropriately equipped to accomplish assigned tasks
in conjunction with the FEMA PA and IA Leads
Coordinate with IA and PA Team Leads and the State or Tribal Government to
provide an overview of programmatic validation requirements at the Joint PDA
briefing
Participate in conversations related to programmatic challenges that are unable to
be resolved in the field
Ensure that questions posed by the State or Tribal Government are responded to
or appropriately routed to the FEMA Region
Maintain awareness of PDA progress and inform the FEMA Region as
appropriate
Coordinate with FEMA External Affairs representative to respond to political
and media inquiries
Participate in PA and IA PDA exit briefings to confirm that questions and
concerns are efficiently addressed
*Refer to the Use of the United States National Grid (USNG), FEMA Directive 092-5, when applicable.

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FEMA PA PDA Team Lead
Serve as a principal FEMA PA programmatic point of contact during the Joint
PDA
Work with the State or Tribal Government PA PDA Team Lead to develop team
assignments
Ensure that assigned staff are appropriately briefed and prepared to validate
estimates according to defined standards
Ensure coordination with USACE, NRCS and OFAs
Provide FEMA PA input during the Joint PDA briefing
Provide programmatic guidance to assigned staff as needed
Participate in conversations related to PA pragmatic eligibility questions that are
unable to be resolved in the field, and coordinate with potential applicants as
necessary to address challenges
Provide guidance on additional information and supporting documentation that
can be used to determine project eligibility and/or estimate cost
Adjust estimates as needed to align with program eligibility requirements
Ensure awareness of the State or Tribal Government of changes or adjustments
made to estimates provided by Joint PDA Field teams
Maintain awareness of PDA progress and inform the FEMA Region as
appropriate
Confirm the Joint PDA teams have met with all impacted jurisdictions and
validated all reported damage
Facilitate PA Joint PDA exit briefing with the State or Tribal Government and
FEMA Regional office
Compile final PDA data into required tables and summary reports for submission
to the FEMA Regional PA Branch Chief for review – Note: final FEMA Table A
will be provided by the FEMA Regional Recovery Division Director at the
conclusion of the Joint PDA
Develop draft text and tables for the Regional Verification Analysis and
Recommendation
*Refer to the Use of the United States National Grid (USNG), FEMA Directive 092-5, when applicable.

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FEMA PA PDA Team Member
Serve as the FEMA representative on Joint PDA PA field team
Record and maintain contacts, operational strategy, schedule, reporting
requirements, and other information provided in the initial briefing
In coordination with State or Tribal Government counterpart, provide local
officials and potential applicants with an overview of PA program and the
information and documentation that the Joint PDA team will use to validate
estimates
Conduct interviews with potential applicants and field assessments to validate
information provided
In coordination with State or Tribal Government counterpart, review information
and documentation provided or observed to validate estimates
Provide guidance to potential applicants necessary to address missing
information or documentation
Maintain copies any documents provided by potential applicants
Provide guidance to potential applicants on special considerations that must be
taken into account as infrastructure is restored (e.g. contract requirements,
environmental or historic considerations, etc.)
Work with the State or Tribal Government counterpart to reconcile differences in
assessments, and elevate challenges to the FEMA PA Damage Assessment Lead
when they cannot be resolved in the field
Confirm with each potential applicant that no additional damage or impact
information is available at the conclusion of the interview or site assessments
Prepare and submit findings to the FEMA PA PDA Team Lead according to
established requirements and timelines

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FEMA IA PDA Team Lead
Serve as a principal FEMA IA programmatic point of contact during the Joint
PDA
Work with the State or Tribal Government IA damage assessment Team Lead to
develop IA Joint PDA team assignments, reporting requirements, and schedule of
operations
Ensure coordination with assigned US SBA staff
Provide FEMA IA input during the Joint PDA briefing
Provide U.S. Census information that will be referenced to the State or Tribal IA
damage assessment Team Lead
Provide programmatic guidance to assigned staff as needed
Participate in conversations related to damage determinations that are unable to
be resolved in the field
Confirm that Joint PDA teams have met with all impacted jurisdictions and
validated all reported damage
Conduct post field assessment briefings with assigned team members to gain any
missing/additional information
Collect and refine data and draft county impact narratives submitted by FEMA
IA PDA Team Members
Facilitate IA Joint PDA exit briefing with the State or Tribal Government and
FEMA Regional office
Compile final PDA data into required tables and summary reports for submission
to the FEMA Regional IA Branch Chief for review – Note: final FEMA Joint
PDA report will be provided by the FEMA Regional Recovery Division Director
at the conclusion of the Joint PDA
Develop draft text and tables for the Regional Verification Analysis and
Recommendation
*Refer to the Use of the United States National Grid (USNG), FEMA Directive 092-5, when applicable.

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FEMA IA PDA Team Member
Serve as the FEMA representative on Joint PDA IA field team
Record and maintain contacts, operational strategy, schedule, reporting
requirements, and other information provided in the initial briefing
In coordination with State or Tribal counterpart, provide local officials with an
overview of IA program and the criteria that the Joint PDA team will use to
validate damage
Discuss and document impacts that the disaster has had with the Local Damage
Assessment Coordinator
Conduct field assessments as part of the Joint PDA team to validate damage
according to criteria defined by FEMA
Work with the State or Tribal government counterpart to reconcile differences in
assessments, and elevate challenges to the FEMA IA PDA Team Lead when
they cannot be resolved in the field
Confirm with Local or County Damage Assessment Coordinator that no
additional damage or impact information is available at the conclusion of the
field assessments
Prepare and submit findings to the FEMA IA PDA Team Lead according to
established requirements and timelines

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FEMA Voluntary Agency Liaison
In coordination with State or Tribal Government counterpart…
Contact the leadership of active voluntary organizations, VOADs, and COADs to
gather information related to activity and capacity
Document any challenges that may limit assistance available from voluntary
organizations in the short and long term
Discuss any trauma reported by survivors
Discuss observed demographic trends that may impact recovery (i.e., high
numbers of clients who are elderly, low income, non-English speaking)
Document volunteer and donations management activity/capacity/challenges
Document existing VOADs, COADs, or long term recovery groups in the area,
ability to provide disaster case management, and other information that can be
used to anticipate capacity to address needs through recovery
Provide information gathered in narrative form to the FEMA IA PDA Team Lead

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FEMA Mass Care and Emergency Assistance Crew Lead
In coordination with State or Tribal Government counterpart…
Contact active government and nongovernment agencies and organizations
involved in mass care activities to gather information related to activity and
capacity
Document shelter locations and the number of overnight stays
If shelters have closed or were not opened, document where impacted residents
are currently living
Document areas served by mass feeding operations and the number of meals and
snacks distributed
Document distribution activity, including the type and number items distributed
Document evaluations and mass care activity related to evacuation support
Document the number of health and safety contacts
Document the number of mental health contacts
Document the number of client cases opened and closed
Document operation or activation levels established by active national
organizations
Document any challenges that will challenge the continued provision of required
mass care and emergency assistance support
Provide information gathered in narrative form to the FEMA IA PDA Team Lead

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Appendix B: PA Damage Assessment
Category of Work Checklists
Category A: Debris Removal
Important Information



Classification of debris by type:
ƒ Vegetative debris including hazardous limbs, trees, and stumps
ƒ White goods (Appliances such as refrigerators and other household appliances)
ƒ Construction and demolition (C&D) debris
ƒ Hazardous, infectious, putrescent, and/or CBRN waste White goods (appliances)
ƒ Buildings and contents/construction and demolition
ƒ Soil, Mud, and Sand
ƒ Wet debris
ƒ Vehicles and Vessels
ƒ Contaminated



Location of Debris* (roads, ROW, private property, waterways, parks, etc.)



Quantity of each type of debris being removed
How work was/will be accomplished
ƒ Force account
ƒ Contract
ƒ Combination
Force Account cost
ƒ Labor (include regular time and overtime hours and rates used)
ƒ Equipment (include time and rates used)
ƒ Supplies (list supplies used and cost)
Contract costs
Unit costs ($/ton or CY)– with explanation of calculation
Percent of debris removal completed at the time of assessment
Location of debris operations facilities (reduction sites, disposal sites, etc.)
Unique removal requirements (special equipment, long hauls, staging, reduction,
hazardous materials, local ordinances etc.)
Recycling or reusing any of the debris (yes/no)
Impact on normal community functions
Environmental and historic preservation considerations

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Supporting Documentation
	
Photographs
ƒ Work completed
ƒ Work to be completed
ƒ Locations where estimates were developed
Debris quantity calculation sheets
Contracts (provide for large projects)
ƒ Contractor Bids or invoices
ƒ Disposal invoices
Force Account
ƒ Labor cost summary (separate regular time from overtime)
ƒ Equipment cost summary
ƒ Supply cost summary
Notated maps
ƒ Debris locations
ƒ Debris operations facilities

*When applicable refer to the Use of the United States National Grid (USNG), FEMA Directive 092-5

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Category B: Emergency Protective Measures
Important Information


Location (specific location address and GPS/USNG location or jurisdiction wide)



Emergency protective measures required
How work was/will be accomplished
ƒ Force account
ƒ Contract
ƒ Mutual Aid
ƒ Combination
Force Account cost
ƒ Labor (include overtime hours and rates used)
ƒ Equipment (include time and rates used)
ƒ Supplies (substantial expenditures should be noted specifically with unit cost)
Mutual aid cost
Contract cost
Percent of emergency protective measures completed at the time of assessment
Unique requirements that impact cost
Impact on normal community functions

Supporting Documentation
	
Photographs of unique requirements
Force Account
ƒ Labor cost summary (overtime)
ƒ Equipment cost summary
ƒ Supply cost summary
Mutual aid agreements used (provide for large projects)
Contracts, bids, or invoices (provide for large projects)
Notated maps

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Category C: Roads and Bridges
Important Information


Location(s) (address and/or GPS/USNG location)
Federal Aid Road or BIA road (yes/no/unsure)



Road or bridge type (specific structure and material)
Repair/replacement required (in-kind)
ƒ Damaged elements
ƒ Damage dimensions
How work was/will be accomplished
x Force account
x Contract
x Combination
Force account cost (actual or estimate)
ƒ Labor (include regular time and overtime hours and rates used)
ƒ Equipment (include time and rates used)
ƒ Supplies (list supplies used and cost)
Material cost (actual or estimate)
Contract cost (actual or estimate)
Unique requirements that impact cost
Impact on normal community functions
Environmental and historic preservation considerations

Supporting Documentation
	
Photographs (sample if multiple similar damage has occurred)
ƒ
ƒ
ƒ
ƒ

Force Account (work completed)
Labor cost summary (separate regular time from overtime)
Equipment cost summary
Supply cost summary

Contracts, bids, or invoices (provide for large projects)
Basis for estimations (for work to be completed)
ƒ Historic costs for similar work (provide example for large projects)
ƒ Estimate by professional familiar with the facility (provide breakdown)

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ƒ

Commercial estimating source (RS Means, Cost Works, etc.) report

Recent safety inspection reports or maintenance records that show pre-disaster condition
(provide for large projects)
Codes and standards to be considered (provide when the code or standard will
dramatically increase the cost of restoration)
Notated maps

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Category D: Water Control Facilities
Important Information
Location(s) (address and/or GPS/USNG location)
Facility type
Are repairs to these facilities the responsibility of USACE or NRCS? (yes/no/unsure)
Repair/replacement required (in-kind)
 Damaged elements
 Damage dimensions
How work was/will be accomplished
 Force account
 Contract
 Combination
Force Account cost (actual or estimate)
 Labor (include regular time and overtime hours and rates used)
 Equipment (include time and rates used)
 Supplies (list supplies used and cost)
Material cost (actual or estimate)
Contract cost (actual or estimate)
Unique requirements that impact cost
Impact on normal community functions
Environmental and historic preservation considerations
Supporting Documentation
Photographs (sample if multiple similar damage has occurred)
Force Account (work completed)
 Labor cost summary (separate regular time from overtime)
 Equipment cost summary
 Supply cost summary
Contracts, bids, or invoices (provide for large projects)
Basis for estimations (for work to be completed)
 Historic costs for similar work (provide example for large projects)

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


Estimate by professional familiar with the facility (provide breakdown –
especially when replacement is requested)
Commercial estimating source (RS Means, Cost Works, etc.) report

Recent inspection reports or maintenance records that show pre-disaster condition (when
pre-disaster condition may impact estimate of large project )
Specifications or as-built drawings of the damage facility (may be helpful – only for
large projects)
Codes and standards to be considered (provide when the code or standard will
dramatically increase the cost of restoration)
Notated maps

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Category E: Buildings and Equipment
Important Information
Location(s) (address and/or GPS/USNG location)
Facility type
Repair/replacement required (in-kind)
 Damaged elements
 Damage dimensions
 Damaged equipment type
 Damaged building contents
How work was/will be accomplished
 Force account
 Contract
 Combination
Force account cost (actual or estimate)
 Labor (include regular time and overtime hours and rates used)
 Equipment (include time and rates used)
 Supplies (list supplies used and cost)
Material cost (actual or estimate)
Contract cost (actual or estimate)
Value of equipment (blue book value) if replacement is required
Insurance deductibles and limits
Unique requirements that impact cost
Impact on normal community functions
Environmental and historic preservation considerations
Supporting Documentation
Photographs (sample if multiple similar damage has occurred)
Force Account (work completed)
 Labor cost summary (separate regular time from overtime)
 Equipment cost summary
 Supply cost summary

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Contracts, bids, or invoices (provide for large projects)
Insurance documentation needed to establish deductible and limits (provide for large
projects)
Basis for estimations (for work to be completed)
 Historic costs for similar work (provide example for large projects)
 Estimate by professional familiar with the facility (provide breakdown –
especially when replacement is requested)
 Commercial estimating source (RS Means, Cost Works, etc.) report
Codes and standards to be considered (provide when the code or standard will
dramatically increase the cost of restoration)
Notated maps

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Category F: Utilities
Important Information
Location(s) (address and/or GPS/USNG location)
Facility type
Repair/replacement required (in-kind)
 Damaged elements
 Damage dimensions (size, length, capacity, etc.)
Will reconductoring be required (yes/no/unsure)
How work was/will be accomplished
 Force account
 Contract
 Combination
Force account cost (actual or estimate)
 Labor (include regular time and overtime hours and rates used)
 Equipment (include time and rates used)
 Supplies (list supplies used and cost)
Material cost (actual or estimate)
Contract cost (actual or estimate)
Unique requirements that impact cost
Impact on normal community functions
Environmental and historic preservation considerations

Supporting Documentation
Photographs (sample if multiple similar damage has occurred)
Force Account (work completed)
 Labor cost summary (separate regular time from overtime)
 Equipment cost summary
 Supply cost summary
Contracts, bids, or invoices (provide for large projects)

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Basis for estimations (for work to be completed)
 Historic costs for similar work (provide example for large projects)
 Estimate by professional familiar with the facility (provide breakdown –
especially when replacement is requested)
 Commercial estimating source (RS Means, Cost Works, etc.) report
Information used to evaluate the need for reconductoring (if reconductoring is requested)
Codes and standards to be considered (provide when the code or standard will
dramatically increase the cost of restoration)
Notated maps

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Appendix B: PA Damage Assessment Category of Work Checklists

Category G: Parks, Recreational, and Other
Important information
Location(s) (address and/or GPS/USNG location)
Facility type
Repair/replacement required (in-kind)
 Damaged elements
 Damage dimensions
How work was/will be accomplished
 Force account
 Contract
 Combination
Force account cost (actual or estimate)
 Labor (include regular time and overtime hours and rates used)
 Equipment (include time and rates used)
 Supplies (list supplies used and cost)
Material cost (actual or estimate)
Contract cost (actual or estimate)
Insurance deductibles and limits
Unique requirements that impact cost
Impact on normal community functions
Environmental and historic preservation considerations

Supporting Documentation
Photographs (sample if multiple similar damage has occurred)
Force Account (work completed)
 Labor cost calculation sheet (separate regular time from overtime)
 Equipment cost calculation sheet
 Supply cost calculation sheet
Contracts, bids, or invoices (provide for large projects)
Insurance documentation needed to establish deductible and limits (provide for large
projects)

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Appendix B: PA Damage Assessment Category of Work Checklists
Basis for estimations (for work to be completed)
 Historic costs for similar work (provide example for large projects)
 Estimate by professional familiar with the facility (provide breakdown –
especially when replacement is requested)
 Commercial estimating source (RS Means, Cost Works, etc.) report
Codes and standards to be considered (provide when the code or standard will
dramatically increase the cost of restoration)
Notated maps

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Appendix C: PA PNP Program Requirements

Appendix C: PA PNP Program Requirements
PNP Eligible Critical Services
Education
•

•

•
•
•

•

•

Primary or secondary education as
determined under State law and provided
in a day or residential school, including
parochial schools, OR
Higher education institutions that meet all
of the following criteria:
o Admit students or persons having a
high school diploma or equivalent;
o Are legally authorized to provide
education beyond a secondary level;
o Award a bachelor’s degree or a 2year degree that is acceptable as full
credit toward a bachelor’s degree or
provides at least a 1-year training
program to prepare students for
gainful employment in a recognized
occupation; and
o Are accredited by a nationally
recognized agency or association (as
determined by the Secretary of
Education)

Utility
•

Medical
Emergency medical care (diagnosis or
treatment of mental or physical injury or
disease) provided in:
o Clinics
o Facilities that provide in-patient
care for convalescent or chronic
disease patients
o Hospices and nursing homes
o Hospitals and related facilities,
including:
 Central service facilities
operated in connection
with hospitals
 Extended-care facilities
 Facilities related to
programs of home-health
services
 Laboratories
 Self-care units
 Storage, administration,
and record areas
o Long-term care facilities
o Outpatient facilities
o Rehabilitation centers that provide
medical care

Emergency Services

Communications transmission and
switching, and distribution of
telecommunications traffic
Electric power generation, transmission,
and distribution
Irrigation to provide water for drinking
water supply, fire suppression, or
electricity generation
Sewer and wastewater collection,
transmission, and treatment
Water treatment, transmission, and
distribution, by a water company
supplying municipal water

•
•

•

Ambulance
Fire Protection
Rescue

Administrative and support buildings essential to the operation of PNP critical services are eligible
facilities.

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Appendix C: PA PNP Program Requirements

PNP Eligible Non-Critical Services
Community centers established and primarily used for the
purpose of offering the following services (or similar) to the
community at large:
•

•

•
•
•

•

•

Art services authorized by a State, Territorial, Tribal,
or local government, including, but not limited to:
o Arts administration
o Art classes
o Management of public arts festivals
o Performing arts classes
Educational enrichment activities that are not
vocational, academic, or professional training;
examples include hobby or at-home pursuits, such
as:
o Car care
o Ceramics
o Gardening
o Personal financial and tax planning
o Sewing
o Stamp or coin collecting
Multi-purpose arts programming
Senior citizen projects, rehabilitation programs,
community clean-up projects, blood drives, local
government meetings, and similar activities
Services and activities intended to serve a specific
group of individuals (e.g. women, AfricanAmericans, or teenagers) provided the facility is
otherwise available to the public on a nondiscriminatory basis
Social activities to pursue items of mutual interest or
concern, such as:
o Community board meetings
o Neighborhood barbecues
o Various social functions of community
groups
o Youth and senior citizen group meetings
Community centers operated by a religious
institution that provides secular activities, such as
fundraising, activities that help the community at
large

Facilities that do not provide medical care, but do
provide:
•
•
•

•

•
•
•
•
•
•
•
•

•
•
•
•
•
•

Alcohol and drug treatment
Assisted living
Custodial care, even if the facility is not open to the
general public (including essential administration
and support facilities)
Rehabilitation

•

Child care
Day care for individuals with disabilities or access and
functional needs (for example, those with Alzheimer’s
disease, autism, muscular dystrophy)
Food assistance programs
Health and safety programs
Homeless shelters
Libraries
Low-income housing (as defined by Federal, State,
Territorial, Tribal, or local law or regulation)
Museums:
o Constructed, manufactured, or converted with a
primary purpose of preserving and exhibiting a
documented collection of artistic, historic, scientific,
or other objects
o Buildings, associated facilities, fixed facilities, and
equipment primarily used for the preservation or
exhibition of the collection, including:

Permanent infrastructure, such as walkways
and driveways of outdoor museum-type
exhibition areas

Historic buildings, such as barns and other
outbuildings, intended for the preservation
and exhibition of historical artifacts within a
defined area

Permanent facilities and equipment that are
part of arboretums and botanical gardens

Infrastructure, such as utilities, and
administrative facilities necessary for
support
o The grounds at museums and historic sites are not
eligible
o Open natural areas/features or entities that promote
the preservation/conservation of such areas are not
eligible
Residential and other services for battered spouses
Residential services for individuals with disabilities
Senior citizen centers
Shelter workshops that create products using the skills of
individuals with disabilities
Zoos
Performing arts centers with a primary purpose of
producing, facilitating, or presenting live performances,
including:
o Construction of production materials
o Creation of artistic works or productions
o Design
o Professional training
o Public education
o Rehearsals
Public broadcasting that monitors, receives, and
distributes communications from the Emergency Alert
System

With the exception of custodial care facilities and museums, administrative and support buildings essential to the operation of
PNP non-critical series are NOT eligible facilities.

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Appendix D: PA Site Sheet Example

Appendix D: PA Site Sheet Example

FEMA Damage Assessment Operations Manual

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Appendix E: IA Damage Assessment Matrix

Appendix E: IA Damage Assessment Matrix
Assessment Matrix for Manufactured Homes
Degree of Definition
Damage

For Flood Damage

Affected

This category includes residences with
cosmetic damage only. It also applies to
residences with damage to a porch,
carport, garage, and/or an outbuilding
not for commercial use, etc.



No damage affecting habitability;
cosmetic damage only.

Minor

The residence is damaged and requires
minimal repairs.



Water line is below the floor
system.
Skirting or HVAC is impacted.
There is no structural damage to
the residence and it has not been
displaced from the foundation.




Major

Destroyed

The residence has sustained structural or
significant damage that require
extensive repairs.



The residence is a total loss.

•



Water has come into contact with
the floor system.
The residence has been displaced
from the foundation, block or
piers and other structural
components have been damaged.
The residence is a total loss.

For Damage Other Than Flood (e.g., Wind
Driven Rain, Earthquake)
The dwelling's frame is not bent, twisted, or otherwise
compromised. No structural components of the
dwelling have been damaged (e.g., windows, doors,
wall coverings, roof, bottom board insulation,
ductwork, and/or utility hook up).









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There is no structural damage to the
residence and it has not been displaced from
the foundation.
Nonstructural components have sustained
damage - e.g. windows, doors, wall
coverings, roof, bottom board insulation,
ductwork, and/or utility hook up.
Skirting or HVAC is impacted.
The residence has been displaced from the
foundation, block or piers and other
structural components have been damaged.

The residence's frame is bent, twisted, or
otherwise compromised.
The residence is missing the roof covering or
the structural ribbing has collapsed for the
majority of the roof system.

Appendix E: IA Damage Assessment Matrix

Damage Assessment Matrix for Conventionally Built Homes
Category of
Definition
Damage
Affected

Residences with minimal damage to
the exterior and/or contents of the
home.

Flood Examples


Any water line in the crawl space or basement when
essential living space or mechanical components are
not damaged or submerged

Non-Flood Examples







Minor

Encompasses a wide range of damage
that does not affect the structural
integrity of the residence.




Water line up to 18 inches in an essential living space.
Damage to mechanical components (e.g. furnace,
boiler, water heater, HVAC, etc.).









Major

A residence may be categorized as
having major damage when it has
sustained significant structural damage
and requires extensive repairs.



Water line above 18 inches in an essential living
space, a water line above the electrical outlets, or a
waterline on the first floor of a residence when
basement is completely full.





Destroyed

The residence is a total loss, or
damaged to such an extent that repair
is not feasible.



FEMA Damage Assessment Operations Manual

Complete failure of two or more major structural
components (e.g., collapse of basement walls,
foundation, walls, or roof).




114

Partial missing shingles or siding.
Cosmetic damage such as paint discoloration or loose
siding.
Broken screens.
Gutter damage and debris.
Damage to an attached structure such as a porch,
carport, garage, or outbuilding not for commercial
use.
Damage to landscaping, retaining walls, or downed
trees that do not affect access to the residence.
Nonstructural damage to roof components over
essential living space to include shingles e.g. roof
covering, fascia board, soffit, flashing, and skylight.
Non structural damage to the interior wall
components to include drywall, insulation
Non structural damage to exterior components
Multiple small vertical cracks in the foundation.
Damage to chimney to include, tilting, fallen, cracks,
or separated from the residence.
Damage to mechanical components (e.g. furnace,
boiler, water heater, HVAC, etc.).
Damage or disaster related contamination to a private
well or septic system
Failure or partial failure to structural elements of the
roof over required rooms to include rafters, ceiling
joists, ridge boards, etc.
Failure or partial failure to structural elements of the
walls to include framing, sheathing, etc.
Failure or partial failure to foundation to include
crumbling, bulging, collapsing, horizontal cracks of
more than two inches, and shifting of the residence on
the foundation of more than six inches.
Only foundation remains.
A residence that will require immediate demolition or
removal because of disaster-related damage or
confirmed imminent danger (e.g., impending
landslides, mudslides, or sinkholes).

Appendix F: IA Insurance Matrix

Appendix F: IA Insurance Matrix
Insurance
Type

Property Covered

Property Not
Covered

Perils Covered

Perils Not Covered

Flood

Owners Only: all real property from
the first floor up; real property in
basement below ground level
necessary for habitability (e.g.,
structural wall, furnace, water heater,
main panel); separate structures such
as storage buildings; cost of
preventing flood damage to home;
removal of debris deposited by
covered peril

RP: Water wells; well
pumps; oil or propane
tanks; septic tanks;
seawalls; retaining walls;
washouts (access); dikes

General condition of
flooding, (e.g. overflow of
inland or tidal waters; the
unusual and rapid run-off
or accumulation of surface
waters from any source);
mudflow/mudslide;
seepage caused by flood
(e.g. ground saturation or
seeping under doors from
rising water) {Note: not all
perils listed are included
nationwide or in OCONUS
areas, please consult with
Local/State or
Municipalities Insurance
Commissioners for details}

Anything other than perils listed,
e.g. WDR; landslide; sewer
backup when no general flood
exists; seepage not caused by
flood (e.g. melting snow or
WDR blowing water under
doors) {Note: not all perils listed
are excluded nationwide or in
OCONUS areas, please consult
with Local/State or
Municipalities Insurance
Commissioners for details}

Only the peril(s) specified
on the rider

All perils except those specified
by the rider

PP: property stored in
basements below grade
level as identified by the
individual policy

Homeowners and Renters: property
in basement necessary for
habitability (e.g., washer and dryer),
all personal property in dwelling and
separate enclosed structures (see
property not covered); personal
property stored away from premises
EQ, SBU and
other riders

Any property covered by the policy
rider.

FEMA Damage Assessment Operations Manual

Any property excluded
from coverage under the
policy the rider is
attached.

115

Appendix F: IA Insurance Matrix
Insurance
Type

Property Covered

Property Not
Covered

Perils Covered

Perils Not Covered

Home owners or
Renters

Owners: all real property, including
separate structures; removal of debris
deposited by covered peril; personal
property, Additional Living Expenses
(ALE) for covered perils.

Seawalls; retaining walls;
washouts (access)

Wind; hail; lightning; falling
objects including trees;
freezing of plumbing; weight
of ice, snow, or sleet; fire;
smoke; volcanic eruption;
power surge; explosion

Surface waters or flood; rain
through doors, windows, or bad
roof; seepage; landslides; mudslides;
earthquake; sewer backup

Wind; hail; lightning; falling
objects including trees;
freezing of plumbing; weight
of ice, snow, or sleet; fire;
smoke; volcanic eruption;
power surge; explosion

Sewer backup; leakage from rain,
snow, or sleet; freezing or electrical
failure, mudslide, earthquake; Flood
may or may not be covered
depending on the contract

Renters: all personal property, including
personal property away from premises
and ALE for covered perils.
Manufactured
Home

Condominium

Manufactured home, including separate
structures; removal of debris deposited
by covered peril; cost of emergency
repairs or removal to protect the
manufactured home; ALE for covered
perils; All personal property, including
personal property away from premises.
Structural only coverage excludes
personal property and ALE coverage.

Seawalls; washouts (outside
damage)

Unit: Structural elements not shared by
other tenants or owned by the
association, generally from the sheetrock
in, including sheetrock, paneling, wall
covering; ALE for covered perils; All
personal property, including personal
property away from premises

Seawalls; retaining walls;
washouts (access)

Flood may or may not be
covered depending on the
contract

Electrical failure does not pertain to
power surges, only to situations
where electrical service stops and
there is no damage to the home

Wind; hail; lightning; falling
objects including trees;
freezing of plumbing; weight
of ice, snow, or sleet; fire;
smoke; volcanic eruption;
power surge explosion

Surface waters or flood; rain
through doors, windows, or bad
roof; landslides; mudslides;
earthquake; sewer backup; leakage
from rain, snow, or sleet; freezing or
electrical failure

Master: Structural elements shared by
other tenants or owned by the
association, generally from the studs out

FEMA Damage Assessment Operations Manual

Sewer back up is usually covered in
an endorsement to the policy

116

Appendix G: IA GIS Product Examples

Appendix G: IA GIS Product Examples

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Appendix G: IA GIS Product Examples

FEMA Damage Assessment Operations Manual

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Appendix G: IA GIS Product Examples

FEMA Damage Assessment Operations Manual

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Appendix G: IA GIS Product Examples

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Appendix H: IA Street Sheet Example

Appendix H: IA Street Sheet Example

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