Saginaw County Disaster Resources

FLOOD RESOURCES
2020 FLOOD SURVIVOR FURNACE SURVEY

If a FEMA applicant has already had an inspection and damage to the furnace wasn’t reported, please complete this important survey.

WAYS TO HELP
For the latest ways to help please follow United Way of Saginaw County on Facebook.

Volunteer Alerts. Click here to sign up  Saginaw County Community Foundation Response Fund. Click to donate.  United Way of Saginaw County Response Fund. Click to donate.

 

MAY 2020 FLOODING IN SAGINAW COUNTY DECLARED FEDERAL DISASTER

The President has declared that a major disaster exists in Saginaw County as a result of May’s severe storms and flooding. The Saginaw County Long-Term Disaster Recovery Group is providing the information below to help aid impacted families with action steps for moving forward.

Anyone in Saginaw County who has sustained damage due to the flood MUST apply directly for federal assistance to FEMA, even if they have already reported their damage to the Saginaw County Emergency Manager or to 211. Those affected must register online at http://www.DiasterAssistance.gov, using the FEMA app, or by calling (800) 621-FEMA (3362) or (800) 462-7585 (TTY) for the hearing and speech impaired. The toll-free telephone numbers will operate from 7 a.m. – 9 p.m. seven days a week until further notice.

Federal assistance can include: 

  • Grants for temporary housing and home repairs
  • Low-cost loans to cover uninsured property losses
  • Other programs to help families recover from effects of the flood 

The Saginaw County Long-Term Disaster Recovery Group cautions those affected by the flooding to manage their expectations. Federal assistance is limited to a maximum of $33,000 with the average award being closer to $5,000 or less for each incident.

Beginning July 20, a full-time case manager (funded by the Saginaw Community Foundation) will begin to help impacted families navigate the process of accessing federal, state and local dollars for assistance. If flood victims haven’t yet called 211, they should do so immediately. This will make certain affected residents will be placed into a local database the case manager will use for outreach.

Impacted residents are encouraged to follow The Saginaw County Emergency Management Department @SaginawCoEM on Facebook for the latest developing details. The Saginaw County Long-Term Disaster Recover Group will begin working with FEMA as the agency mobilizes a disaster relief center in the near future. This is likely to take place in Midland and Gladwin counties first, so continued patience is required.

Meanwhile, flood victims should gather all evidence to show the damage to your home, vehicles, or other structures with photos or video. Also, flood victims should keep receipts for any expenses incurred related to the flood. If your insurance carrier has denied your claim, get a denial letter.

The Saginaw County Long-Term Disaster Recovery Group is made up of key organizations in Saginaw County that are collaborating to ensure that the county’s 600+ households affected by May’s historic flooding are connected to resources for long-term recovery. The group is concerned that too many people are receiving mixed messages focusing primarily on Midland and Gladwin counties where the devastation was most severe.

“In Saginaw County, we estimate close to $10 million in damages, with many residents confused about what to do here in our county,” said Mark Przybylski, Saginaw County emergency manager. His office, along with United Way of Saginaw County and the Saginaw Community Foundation, have gathered leaders from 211 of Northeastern Michigan, American Red Cross, Michigan State Police, Michigan Community Service Commission, nonprofits, corporations, and faith-based organizations to coordinate efforts to manage the emergency, provide relief, and long-term recovery in Saginaw County.

By the group’s estimates, at least 13 homes in Saginaw County were destroyed by the floods, nearly 150 sustained major damage, nearly 160 minor damage, and more than 130 were affected with water in some way. Homes and businesses were particularly affected in the City of Saginaw, Thomas Township, James Township, Saginaw Township, Spaulding Township, Zilwaukee Township, and Tittabawassee Township.

The group fears that Saginaw County residents are missing opportunities to engage in much- needed support.

“Even combining all our resources here locally and working to get maximum assistance from the state and federal government, we will not have the resources to fully restore homes and families,” Przybylski says regretfully. “But together, we can stretch and maximize to try to get the best possible outcome for our residents.”

 

DOWNLOADABLE RESOURCES

FEMA Individual Assistance Program Fact Sheet (PDF)

SBA Low-Interest Federal Loans for Disaster-Related Damages (PDF)

U.S. Small Business Administration Disaster Loans Fact Sheet (PDF)

ACTION ITEMS FOR THOSE IMPACTED BY MAY’S FLOODING 

(Updated, November 16)

PHASE THREE UPDATE 

Relief efforts around May’s historic flooding are still evolving. Disasters like this one require a phased, collaborative approach. And that has been the case here in Saginaw County since May as we navigated through Phase One (the actual emergency) and Phase Two (emergency declaration and FEMA relief). Now, we are in Phase Three, where we work together as a community to connect you with financial and human resources to rebuild. This phase can be lengthy as everyone’s needs are unique. What remains constant is our commitment to helping you with basic needs and a wonderful local case manager in Felicia Rose-Barry.  

If you have questions or need help, please do not hesitate to reach out to Felicia at (989)598-3772 or frosebarry@michiganumc.org

FURNACE REMINDER WE ARE CONCERNED ABOUT YOUR WARMTH! 

Each week, we learn of more flood survivors heading into winter without a working furnace. If yours is not working properly as a result of flood damage, we encourage you to take a short, online survey so we can get a better handle on this situation and help you. 

https://forms.gle/diktddxhwfpafhUDA 

If you’ve already had a FEMA inspection and furnace damage wasn’t reported, you may send FEMA a dated and signed letter, along with a contractor’s estimate, indicating you are appealing for these items.  Likewise, if you’ve already received FEMA assistance for your furnace but need additional assistance with these costs, you may submit an appeal for that. Here’s what you need: 

  • Verifiable estimate/receipt indicating the furnace was damaged as a direct result of the disaster. 
  • The dated and signed letter, along with the contractor’s estimate, indicating you are appealing for the additional costs of these items.  
  • If you are appealing past the deadline, you must indicate in the letter why you are submitting late.  

Mail to: FEMA’s Individuals and Households Program, National Processing Service Center, P.O. Box 10055, Hyattsville MD 20782-7055.  

Fax to: (800) 827-8112. 

Submit your appeal via a FEMA online account: To set up an online account, visit DisasterAssistance.gov, click on “Check Status” and follow the directions. 

Again, Felicia is here to help! 

COMMUNICATIONS 

As state above, Phase Three is a marathon, not a sprint. We will continue to communicate with you regularly as needed – though possibly not weekly as we have for the last four months. Follow us on Facebook @SaginawCoEM, or call 2-1-1.  

The Saginaw County Long-Term Disaster Recovery Group is comprised of representatives of Saginaw County government, local non-profit agencies, charitable organizations, corporations, and faith-based groups working collaboratively to meet the needs of families in Saginaw County. The group’s goal is to make sure everyone affected by May’s devastating severe storms and flooding is aware of and connected to recovery process details.  

 

ACTION ITEMS FOR THOSE IMPACTED BY MAY’S FLOODING 

(Updated, October 26)

WE CARE! 

As temperatures drop, COVID-19 surges, and holidays approach … we genuinely want to know HOW ARE YOU?

Consider it a community-wide “hug” from the folks who continue to focus on getting you and your neighbors back into safe, livable homes. We know recovery extends far beyond receding flood waters and structural damage. Disasters can have a profound impact on emotional and physical well-being as well.    

If you feel overwhelmed, alone, or “stuck” in the details of getting back on your feet, please reach out to us for support. The best way to start is either:

  • all 211 – These compassionate experts may not have all the answers but they will connect you with the right people who do.
  • Reach out to Felicia Rose-Barry – she is your local “go-to” person, and it’s her job to help you navigate this process. frosebarry@michiganumc.org, (989) 598-3772.

Meanwhile, please remember that lots of good folks continue to work collaboratively behind the scenes to bring you information, resources, solutions, and closure to May’s disaster. Be well!

FURNACE CHECK 

Seasons are changing! Be sure to check your furnace now to make sure it is in working order!

If you do not have water, heat and insulation to stay warm, FEMA can help you with temporary housing – even if you didn’t need to relocate when you first registered. Contact FEMA again at (800) 621-3362 (TTY: (800) 462-7585) or reach out to Felicia Rose-Barry. 

FEMA UPDATE 

Our local FEMA liaison tells us that Saginaw County has 1,736 valid registrations. To date, the Individuals and Households Program has paid out $4,643,051 in our county. The average claim is $5,547. Saginaw County renters have been helped more than any other county – 559 have received assistance.

FEMA APPEALS 

You can still appeal FEMA’s decision about your claim. Just send a letter within 60 days asking for reconsideration. Explain why you think the decision was not correct.

  • Provide supporting information and documents.
  • Include your FEMA registration number on all documents.
  • Sign the letter.

Mail to: FEMA’s Individuals and Households Program, National Processing Service Center, P.O. Box 10055, Hyattsville MD 20782-7055.
Fax to: (800) 827-8112.
Submit your appeal via a FEMA online account: To set up an online account, visit DisasterAssistance.gov, click on “Check Status” and follow the directions.

 

 

 

ACTION ITEMS FOR THOSE IMPACTED BY MAY’S FLOODING 

(Updated, October 12)

UPDATE 

Though the registration deadline has passed, FEMA remains committed to serving the victims of May’s flooding. In all five counties impacted by the disaster, FEMA approved 2,289 applications and provided $24.8 million as direct assistance to homeowners and renters. In addition, the National Flood Insurance Program, managed by FEMA, has paid out more than $26.9 million for this disaster. Combined with the $31.8 million in low-interest loans from the SBA, that is over $80 million in direct relief to disaster victims.

OPTIONS 

If you registered with FEMA and SBA by the deadline, these are some options for assistance you may still have:

  • FEMA rental assistance is provided to pay for temporary housing if you have been displaced from your pre-disaster primary residence due to the floods. It can be used for renting an apartment or a hotel room when long-term rental accommodations are not available. These options may be especially important as winter approaches, to ensure your temporary living situation has the water, heat, and insulation necessary to stay safe.
     
  • If you didn’t need to relocate when you registered, but your home is unsafe to occupy and your situation has changed, contact FEMA. Within 30 days of your initial FEMA decision letter, you can call the FEMA helpline at 800-621-3362 (TTY: 800-462-7585) and inform them of the need to relocate. If it has been more than 30 days, submit the request for temporary housing assistance in writing.
     
  • If you received an initial payment of FEMA rental assistance and are unable to return to your pre-disaster primary residence due to the May floods, submit a request for continued rental assistance. If you did not receive a form by mail, you may request one by calling the FEMA helpline at 800-621-3362 (TTY: 800-462- 7585). Even if you received the maximum housing grant, you may still be eligible for continued rental assistance. Be sure to complete the application form, and if you didn’t receive one, contact the FEMA helpline.
     
  • As it gets colder, residents should check their furnace. If it was damaged as a result of the disaster, FEMA can help get it repaired. If this was not part of the initial inspection, residents will have to appeal to FEMA and provide a contractor’s estimate for the project.
     
  • If your insurance company has denied coverage, send the denial letter to FEMA to reopen your case. If you’ve filed a claim with NFIP, send your claims to FEMA to ensure there is no overlap in assistance.
     
  • If you applied for an SBA loan but it wasn’t approved and you were referred back to FEMA, you have up to six months to apply for reconsideration. In your letter of denial, it should explain why you were denied, how to overcome the denial, and how to send it back to SBA.
     
  • If you turned down an SBA loan, you have six months from the date of the determination letter, which states you’re eligible for a loan, to change your mind and accept it. Garrett said this can be helpful for people who originally turned down a loan due to fear of debt, but then perhaps their financial situation changed.
     
  • If you already have an SBA loan and want to change categories – what the loan is used for – you must notify your loan officer. You should have an ongoing relationship with an SBA Loan Office and call them to explain what’s going on to adjust your loan, if necessary. For example, if you have a $5,000 loan for personal property but later decide you’d rather use it for landscaping, you must talk to your case manager.

FEMA APPEALS 

Even though the registration deadline has passed, you can still appeal

FEMA’s decision about your claim. Just send a letter within 60 days asking for reconsideration. Explain why you think the decision was not correct.

  • Provide supporting information and documents.
  • Include your FEMA registration number on all documents.
  • Sign the letter.

Mail to: FEMA’s Individuals and Households Program, National Processing Service Center, P.O. Box 10055, Hyattsville MD 20782-7055.
Fax to: (800) 827-8112.
Submit your appeal via a FEMA online account: To set up an online account, visit DisasterAssistance.gov, click on “Check Status” and follow the directions.

NEED HELP? 

Saginaw County’s long-term recovery case manager has emailed nearly 1,300 households in Saginaw County to check on their status since the flooding. If you were not contacted or if you need help, please reach out to her: Felicia Rose-Barry, frosebarry@michiganumc.org, (989) 598-3772. This is especially important as winter approaches to ensure you have water, heat and insulation to stay warm.

 

ACTION ITEMS FOR THOSE IMPACTED BY MAY’S FLOODING 

(Updated, October 5)

FEMA APPEALS 

Even though the registration deadline has passed, you can still appeal

FEMA’s decision about your claim. Just send a letter within 60 days asking for reconsideration. Explain why you think the decision was not correct.

  • Provide supporting information and documents.
  • Include your FEMA registration number on all documents.
  • Sign the letter.

Mail to: FEMA’s Individuals and Households Program, National Processing Service Center, P.O. Box 10055, Hyattsville MD 20782-7055.
Fax to: (800) 827-8112.
Submit your appeal via a FEMA online account: To set up an online account, visit DisasterAssistance.gov, click on “Check Status” and follow the directions.

INSPECTION INFO 

If you have a valid FEMA registration but are among the nearly 200 households in Saginaw County that have not yet had an inspection, be sure to answer your phone. That is how FEMA schedules inspections. If you believe you may have ignored a call from a FEMA representative, call FEMA at (800) 621-3362 or TTY (800) 462-7585 to let them know you’re waiting for inspection.

FOOD DISTRIBUTION 

United Way of Saginaw County will be holding a food box distribution on Wednesday, October 9, 10 a.m. at Holy Spirit Catholic Church, 1035 N. River Road in Shields. Stay in your vehicle, wear a mask, and drive-thru for a box (as supplies last).

NEED HELP? 

Saginaw County’s long-term recovery case manager has emailed nearly 1,300 households in Saginaw County to check on their status since the flooding. If you were not contacted or if you need help, please reach out to her: Felicia Rose-Barry, frosebarry@michiganumc.org, (989) 598-3772. This is especially important as winter approaches to ensure you have water, heat and insulation to stay warm.

 

ACTION ITEMS FOR THOSE IMPACTED BY MAY’S FLOODING 

(Updated, September 21)

PROGRESS UPDATE 

So far, more than 800 Saginaw County households have registered with FEMA. Of those 795 are valid. Remember, an invalid registration most likely requires additional documentation – be sure to provide that if asked. Nearly $2 million has already been paid out in our county for the Individuals and Households Program. 

With just a week and a half left, we encourage anyone not yet registered with FEMA to do so immediately: 

Online: www.DisasterAssistance.gov 
Mobile: Download FEMA app
Phone: (800) 621-3362 | TTY: (800) 462-7585

If you are in the system by September 30, you will be considered for any federal assistance you may be eligible for.

If you’ve applied for assistance with FEMA and are referred to the U.S. Small Business Administration (SBA), it’s important to complete the SBA application for a low-interest disaster loan. If SBA determines you are eligible for a loan, you don’t have to accept it. If you submit an SBA application and are denied, you may then be reconsidered for additional FEMA grants such as personal property replacement, disaster-caused vehicle repair, or moving and storage fees. 

As of September 14, SBA has approved 52 home loans and 2 business loans in Saginaw County totaling more than $2.5 million.  

To apply for an SBA low-interest disaster loan, complete an online application at disasterloan.sba.gov/ela. To reach an SBA customer service representative directly, call (800) 659-2955. Email questions to FOCE-Help@sba.gov.    

The deadline to register with FEMA and SBA is September 30.

INFO VIDEOS  

211 has published three Facebook Live videos with FEMA and SBA staff sharing information and answering questions. Check those out on Facebook @211nemichigan.  

FEMA APPEALS  

If you disagree with FEMA’s decision about your claim, send a letter within 60 days asking for reconsideration. Explain why you think the decision was not correct. 

  • Provide supporting information and documents. 
  • Include your FEMA registration number on all documents.
  • Sign the letter. 

Mail to: FEMA’s Individuals and Households Program, National Processing Service Center, P.O. Box 10055, Hyattsville MD 20782-7055. Or fax the documents to: (800) 827-8112. Or submit them via a FEMA online account. To set up an online account, visit DisasterAssistance.gov, click on “Check Status” and follow the directions. 

EMERGENCY PLANS   

September is National Preparedness Month. While some in our area are still actively working through the devastation of May’s flooding and will be for some time, others have cleaned up and moved on. For those, there’s no better time to invest in developing an emergency plan to minimize your home’s potential risk of future flood damage.  

Here are five DIY actions to be more prepared in the future: 

  • Invest in flood insurance – talk to an agent about your options.
  • Seal foundation cracks – mortar and masonry caulk will fill foundation cracks and help keep water out. 
  • Install a sump pump and backflow valve – make sure you have a sump pump with battery-operated backup in case of electrical failure and consider hiring a plumber to install a backflow valve to push water and sewer backup away from your home. 
  • Elevate utilities – raise and anchor air conditioning condensers, heat pumps, water meters, and other equipment at least 1 foot above the potential flood elevation. 
  • Landscape to improve runoff – build up any sunken areas around the foundation and otherwise improve your yard so it slopes away from your home.

NEED HELP?​

If you would like to speak with a local resource, call long-term recovery case manager Felicia Rose-Barry at (989) 598-3772.  

ACTION ITEMS FOR THOSE IMPACTED BY MAY’S FLOODING 

(Updated, September 14)

THE DEADLINE TO REGISTER WITH FEMA IS EXTENDED TO SEPTEMBER 30

The deadline to register with FEMA has been extended to September 30. If you are in the system before that date, you will be considered for any federal assistance you may be eligible for. Register in any of these ways:

Online: www.DisasterAssistance.gov 
Mobile: Download FEMA app
Phone: (800) 621-3362 | TTY: (800) 462-7585

FEMA APPEALS

If you disagree with FEMA’s decision about your claim, send a letter within 60 days asking for reconsideration. Explain why you think the decision was not correct.

  • Provide supporting information and documents.
  • Include your FEMA registration number on all documents.
  • Sign the letter.

Mail to: FEMA’s Individuals and Households Program, National Processing Service Center, P.O. Box 10055, Hyattsville MD 20782-7055. Or fax the documents to: (800) 827-8112. Or submit them via a FEMA online account. To set up an online account, visit DisasterAssistance.gov, click on “Check Status” and follow the directions.

SBA LOANS​

If you’ve applied for assistance with FEMA and are referred to the U.S. Small Business Administration (SBA), it’s important to complete the application for a low-interest disaster loan. Next to insurance, an SBA low-interest disaster loan is the primary source of funds for property repairs and for replacing contents destroyed during the flood.

If SBA determines you are eligible for a loan, you don’t have to accept it, but you should complete the loan application as soon as possible to keep your options open. If you submit an SBA application and are denied, you may then be reconsidered for additional FEMA grants such as personal property replacement, disaster-caused vehicle repair, or moving and storage fees.

To apply for an SBA low-interest disaster loan, complete an online application at disasterloan.sba.gov/ela. To reach an SBA customer service representative directly, call (800) 659-2955. Email questions to FOCE-Help@sba.gov. For more information, visit sba.gov.

Applications must be received by 11:59 p.m. EDT on Sept. 30, 2020, to be considered for assistance.

NEED HELP?​

If you would like personalized help navigating the process of accessing federal, state, and local dollars for assistance, call long-term recovery case manager Felicia Rose-Barry at (989) 598-3772.

CONNECT WITH US 

Follow us on Facebook @SaginawCoEM for developing details, future distributions, and other timely details.

 

ACTION ITEMS FOR THOSE IMPACTED BY MAY’S FLOODING 

(Updated, August 31)

THE DEADLINE TO REGISTER WITH FEMA IS EXTENDED TO SEPTEMBER 30

Register in the following ways:

Online: www.DisasterAssistance.gov 
Mobile: Download FEMA app
Phone:(800) 621-3362 | TTY:(800) 462-7585

Your options to submit documents include:

• Mail to: FEMA Individuals and Households Program, National Processing Service Center, PO Box 10055, Hyattsville, MD 20782-7055.
• Fax to: (800) 827-8112.
• Via FEMA online account: To set up an account, visit DisasterAssistance.gov, click on “Check Status” and follow the directions.
Bring your documents to the document drop-off center this week at Holy Spirit Catholic Church, 1035 N. River Rd., 8 a.m. – 7 p.m.

DOCUMENT CENTER

If you don’t have a computer and either 1) need help registering with FEMA, or 2)need help scanning and submitting the necessary documentation, you may visit the FEMA Document Drop-Off Center this week, 8 a.m. – 7 p.m. at Holy Spirit Catholic Church, 1035 N. River Rd., 48609. FEMA personnel will be on hand, ready to scan documents on the spot and return them to applicants.

Wear a face mask and remain in your car as you hand your documents to FEMA personnel. If you have been asked by FEMA to provide additional documentation, please read your FEMA letter carefully and make sure to have everything needed when arriving at the drop-off center.

The document drop-off center will close permanently on Sept. 30 at 7 p.m.

APPEALS

If you disagree with FEMA’s decision letter about your claim, follow these steps:

1. Read the letter carefully to find out why the decision was made.

  • You might just need to provide additional information.
  • Common reasons for the initial decision are:
    • The damage was to a secondary home or rental property, not a primary residence.
    • Someone else in the household applied and received assistance.
    • Disaster-related losses could not be verified.
    • Insurance covered all losses.

2. Contact FEMA for help with filing an appeal or any questions:

  • (800) 621-3362 or (800) 462-7585 (TTY).
  • Visit the Saginaw County Document Drop-Off Center next week to talk directly to FEMA personnel.

3. File a written appeal.

  • Explain why you think the determination was not correct.
  • Provide supporting information and documentation.
  • Include your FEMA registration number and all documents.
  • Sign the letter.
  • Submit your appeal within 60 days of the letter date. Information on where to send your appeal is included in your decision letter.

FLOOD INSURANCE

The federal government wants to educate property owners about flood insurance as protection against potential future losses. You are invited to learn more at one of the following webinars, which will address flood risk, flood insurance compared to disaster assistance, standard flood insurance compared to group flood insurance, rate maps, how to purchase, coverage, claims, and appeals:

NEED HELP?​

If you would like personalized help navigating the process of accessing federal, state, and local dollars for assistance, call long-term recovery case manager Felicia Rose-Barry at (989) 598-3772.

CONNECT WITH US 

Follow us on Facebook @SaginawCoEM for developing details, future distributions, and other timely details. 

 

ACTION ITEMS FOR THOSE IMPACTED BY MAY’S FLOODING 

(Updated, August 24)

DROP-OFF SITE

FEMA is opening the document drop-off center August 31–September 30, 8 a.m. – 7 p.m. at Holy Spirit Catholic Church, 1035 N. River Rd. in Saginaw. The site will be staffed with FEMA personnel in personal protective equipment who can scan documents on the spot and return them to applicants.

You must wear face masks and will remain in your car as you hand your document to FEMA personnel. If you have been asked by FEMA to provide additional documentation, please read your FEMA letter carefully and make sure to have everything needed when arriving at the drop-off center.

Remember, you do not have to visit the center to register or submit documents. You may register the following ways:

Online: www.DisasterAssistance.gov
Mobile: Download FEMA app
Phone: (800) 621-3362 | TTY: (800) 462-7585

Documents may be submitted any of these ways:

• Mail to: FEMA Individuals and Households Program, National Processing Service Center, PO Box 10055, Hyattsville, MD 20782-7055
• Fax to: (800) 827-8112
• Via FEMA online account: To set up an account, visit DisasterAssistance.gov, click on “Check Status” and follow the directions

The document drop-off center will close permanently at 7 p.m. on September 30.

FEMA DEADLINE

As of today, more than 430 Saginaw County households have valid registrations with FEMA under consideration for individual assistance. In Saginaw County, $1,258.657 has been paid out as of late last week for FEMA’s Individuals and Households Program.

Remember, THE DEADLINE TO REGISTER WITH FEMA IS SEPTEMBER 8.

LEGAL SERVICES

Flood victims facing legal issues who are unable to afford a lawyer may call (866) 418-8315, 9 a.m. – 5 p.m., Monday – Thursday and 9 a.m. – 1 p.m. on Fridays to request assistance. When connected to the hotline, you should identify that you are seeking disaster-related legal assistance, give brief details of the assistance needed, and provide your location in Saginaw County. Individuals who qualify for assistance will be matched with Michigan lawyers who have volunteered to provide free legal assistance.

USDA PROGRAM

The United States Department of Agriculture (USDA) may be able to assist homeowners in Saginaw County. You can search your property address to see if it is eligible by going to the USDA website Property Eligibility page. To learn more about the program, visit rd.usda.gov, email: rdquestion@stl.usda.gov, or call (800) 414-1226 or (800) 438-1832 from 8 a.m. – 6 p.m., Monday – Friday.  Most rural development programs are income-based. However, loans may be available for those above the income threshold. Special consideration is often given to veterans and those 62 and older.

KNOW THE FACTS

Federal assistance can be an important recovery resource for those with uninsured or underinsured property damage. Know the facts about the help that may be available to you:

• You won’t be taking grand money away from someone else by applying.
• FEMA assistance does not have to be repaid, is non-taxable, and does not affect eligibility for Social Security, Medicaid, or other benefits.
• You only need to submit one contractor quote or estimate when appealing a FEMA decision.
• If your insurance is delayed by 30 days or more, and you need immediate money to relocate, FEMA may be able to help. The FEMA helpline is (800) 621-3362.
• You may be eligible for money to help repair or replace your car if it had uninsured damage caused by the disaster.
• SBA loans for the flood are separate from the SBA loans for COVID-19.
• You may be eligible for an SBA loan amount increase up to 20% of your property’s damage to make your home safer.
• If you applied for assistance through a voluntary organization or other federal or state agency, you are not registered with FEMA.

PROTECT YOURSELF

Here are some simple rules to follow to protect yourself from contractor fraud:

• Use only state-licensed contractors.
• Get more than one written estimate (although only one is needed for FEMA appeal).
• Check references and ask for proof of liability insurance and Worker’s Compensation.
• Don’t sign a contract with blank spaces and get any guarantees in writing.
• Pay in installments, and make the final payment after the work is completed.
• Report disaster-related fraud to the Michigan Attorney General’s Consumer Protection Division at (877) 765-8388.

NEED HELP?

If you would like personalized help navigating the process of accessing federal, state, and local dollars for assistance, call long-term recovery case manager Felicia Rose-Barry at (989) 598-3772.

UNEMPLOYMENT

Disaster unemployment assistance is available for those in Saginaw County whose employment, self-employment, or unemployment was lost or disrupted by the severe storms and flooding. It is designed, among other things, for those who are unemployed or self-employed and don’t qualify for regular unemployment. If you can no longer work because of damage to your place of employment or can’t perform work because of a flood-related injury, you are encouraged to apply.

First step: first apply for regular unemployment at www.michigan.gov/UIA. If your claim is denied, then apply for disaster unemployment assistance by immediately filling out the paper application packet at www.Michigan.gov/UIA or call (866) 500-0017.

NOT CLEANED UP? 

Don’t wait any longer! Call 2-1-1 and apply to FEMA immediately.

CONNECT WITH US 

Follow us on Facebook @SaginawCoEM for developing details, future distributions, and other timely details. 

 

ACTION ITEMS FOR THOSE IMPACTED BY MAY’S FLOODING 

(Updated, August 18)

CHECK-IN

With your neighbors! Please help us make sure the elderly, in particular, are informed so they can get the help they need. Many visit our supply distribution sites saying they come because they hear about the help from neighbors, rather than Facebook or this website. Even those who think they don’t have needs are encouraged to register with FEMA. So, share this information with your neighbors!

FEMA DEADLINE

Nearly 400 Saginaw County households have valid registrations with FEMA under consideration for individual assistance. In Saginaw County, $1,102,106 has been paid out as of late last week for FEMA’s individual household program. 

Remember, THE DEADLINE TO REGISTER WITH FEMA IS SEPTEMBER 30.

Here’s how to apply with FEMA:

FEMA funds are distributed in the form of direct deposit or check and can arrive within a few days for those with valid registrations and approved funding. If your registration is deemed “invalid,” please read your letter carefully! This is often easily remedied by following through with the requested items.

FLOOD INSURANCE

We now estimate that 45% of those with damage had flood insurance, which is an encouraging number compared to Midland or Sanford. Still, homeowners can apply for FEMA aid for recovery expenses NOT covered by insurance.

HOME HEATING 

As temperatures drop in the coming months, your furnace will become the most important appliance in your home. If floodwaters reached your furnace or hot water heater, you should have them checked for operating safety NOW by experienced repair personnel before the cold weather arrives. Homeowners who receive a FEMA grant for repairs and later discover their furnace or water heater needs replacing must use the FEMA appeal process for additional grant funds. The homeowner has 60 days to appeal and must submit a letter with a verified contractor’s estimate for replacement of the furnace or water heater.

CONTRACTORS 

We are aware that residents are having difficulty finding contractors to complete their home repairs. The Saginaw County Long-Term Disaster Recovery Group is working on building a list of smaller commercial contractors that may be available in the near term. Meanwhile, we encourage homeowners to contact the Home Builders Association of Saginaw or by calling (989) 793-1120 as a starting point for finding and selecting a quality residential contractor.

NEED HELP? 

If you would like personalized help navigating the process of accessing federal, state and local dollars for assistance, call long-term recovery case manager Felicia Rose-Barry at (989) 598-3772. 

NO COMPUTER? 

Our one-stop flood recovery drive-through center at Holy Spirit, 1035 N. River Rd.,Thomas Township, will open soon. FEMA and SBA representatives will be available to help those who are unable to fill out and submit paperwork virtually.

DO NOT WAIT for this event if you have other means for applying and submitting documents online. REMEMBER, THE DEADLINE IS SEPTEMBER 30 FOR FEMA AND SBA.

UNEMPLOYMENT 

Disaster unemployment assistance is available for those in Saginaw County whose employment , self-employment, or unemployment was lost or disrupted by the severe storms and flooding. It is designed, among other things, for those who are unemployed or self-employed and don’t qualify for regular unemployment. If you can no longer work because of damage to your place of employment or can’t perform work because of a flood-related injury, you are encouraged to apply. 

First step: apply for regular unemployment at www.michigan.gov/UIA. If your claim is denied, then apply for disaster unemployment assistance by immediately filling out the paper application packet at Michigan.gov/UIA or call (866) 500-0017. 

NOT CLEANED UP? 

Don’t wait any longer! Call 2-1-1 and apply to FEMA immediately.

CONNECT WITH US 

Follow us on Facebook @SaginawCoEM for developing details, future distributions, and other timely details. 



ACTION ITEMS FOR THOSE IMPACTED BY MAY’S FLOODING 

(Updated, August 3)

FEMA UPDATE

President Trump declared a major disaster for mid Michigan following the May floods, more than 1,200 homeowners and renters have been approved for more than $25 million in assistance from FEMA and the U.S. Small Business Administration (SBA). SBA has approved 141 loans to individuals and businesses nearing $11 million.

As of today, 319 Saginaw County households have valid registrations with FEMA under consideration for funding – which represents a little over half of those impacted by the floods in our county. We encourage others to register as soon as possible. Remember, renters may apply as well as homeowners. 

Here’s how to apply with FEMA:

For individuals and businesses seeking low-interest SBA loans, know that you must first register with FEMA. Once that is complete, we encourage you to talk directly with an SBA agent for help with the loan application. You can do so at any of these numbers: (571) 442-8013, (571) 422-6016, (571) 422-0331 M-F 8 a.m. – 5 p.m. (TTY: (800) 877-8339).

In the event that SBA denies a loan application, applicants can return to FEMA to request funding.

DEADLINE

The deadline to register with FEMA is September 30.

NO COMPUTER?

Our one-stop flood recovery drive-through “center” at Holy Spirit Parish, 1035 N. River Rd., Thomas Township, will open in mid-August. FEMA and SBA representatives will be available to help those who are unable to fill out and submit paperwork virtually. 

DO NOT WAIT for this event if you have other means for applying and submitting documents online.

CONSTRUCTION

We are extremely fortunate to have Herb Spence of Spence Brothers as the chair of our construction committee. Herb has volunteered to lend his time, expertise and leadership to coordinate local and national volunteer organizations that will be doing long-term repairs and rebuilds associated with the disaster damage in Saginaw County.  

IT TAKES A VILLAGE

Herb is just one example of Saginaw County’s outpouring of support for our neighbors impacted by the flood. Though much of the initial damage is cleaned up and trash has been removed from property, this event is far from over. The long-term recovery is ongoing and active, focused on getting families back into safe, livable homes. Individuals, businesses and organizations are still stepping up with donations, clean-up supplies, and volunteer service. And we couldn’t do it without the unwavering support from a close network of nonprofit agencies and charitable organizations that remain committed to lending a hand as well as their limited financial resources. 

NEED HELP?

If you would like personalized help navigating the process of accessing federal, state and local dollars for assistance, call case manager Felicia Rose-Barry at (989) 598-3772. 

NOT CLEANED UP?

Don’t wait any longer! Call 2-1-1 and apply to FEMA. 

CONNECT WITH US

Follow @SaginawCoEM on Facebook for developing details, future distributions, and other timely details. 

 

ACTION ITEMS FOR THOSE IMPACTED BY MAY’S FLOODING 

(Updated, July 27)

NEED HELP?

If you would like personalized help navigating the process of accessing federal, state and local dollars for assistance, call case manager Felicia Rose-Barry at (989) 598-3772.

APPLY WITH FEMA

Residents impacted by the flood must still apply with FEMA – even if you have already called 2-1-1, completed a self-reporting damage assessment survey, or have been visited by a local damage assessment team. To date, FEMA has approved $12.8 million in grants for this disaster from 1,100 applications. Here’s how to apply:

GRANTS MAY FUND

  • Rental assistance
  • Lodging expense reimbursement
  • Home repair
  • Home replacement
  • Repair or replacement of household items
  • Medical/dental
  • Child care
  • Transportation
  • Moving and storage expenses
  • Cleaning and disinfecting
  • Crisis counseling
  • Disaster unemployment
  • Disaster legal services
  • Disaster case management
  • SBA low-interest loans may be available for large, uninsured losses

FEMA APPEALS

If you disagree with your FEMA grant amount, you must appeal within 60 days. Send a signed, written explanation of why you disagree and any supporting documents. Make sure to provide your name, FEMA application number, disaster number, pre-disaster address, current phone and address.

  • Fax to: (800) 827-8112 ATTN: FEMA appeals officer, or
  • Mail to: FEMA, P.O. Box 10055, Huntsville, MD 20782-8055

LET THE COMMUNITY HELP YOU

Throughout the clean-up process – even at our recent supply distributions – we are meeting people who are reluctant to accept assistance from community organizations reaching out with cleaning supplies, food boxes, gift cards, and volunteer labor. Please accept your community’s assistance because it will help relieve the financial strain of this disaster in small but impactful ways.

NOT CLEANED UP?

Don’t wait any longer! Call 2-1-1 and apply to FEMA. 

NO COMPUTER?

The FEMA application process is being conducted almost entirely online because of the current pandemic. If you have access to a smart phone or computer, or have friends or family who can help you, do not delay in applying to FEMA.

Documents can be easily scanned using smart phone apps or even the “Notes” app on iOS devices.

However, for those without access to a computer or scanner, we have finalized a one-stop flood recovery drive-through “center” at Holy Spirit Parish on River Rd. in Thomas Township for mid August (exact date to be announced soon). FEMA and SBA representatives will be available to help those who are unable to fill out and submit paperwork virtually. 

Do not wait for this event if you have other means for applying and submitting documents.

CONNECT WITH US

Follow @SaginawCoEM on Facebook for developing details, future distributions, and other timely details. 

 

 

ACTION ITEMS FOR THOSE IMPACTED BY MAY’S FLOODING 

(Updated, July 20)

FIRST STEP

Register with FEMA for disaster assistance. This step is required even if you have already contacted 2-1-1 or reported damage via the self-reporting damage assessment site. 

HAVE READY

  • Social security number (one per household)
  • Address of damaged home or apartment
  • Description of damage
  • Information about insurance coverage
  • Telephone number, mailing address
  • Bank account and routing numbers for direct deposit of funds

KEEP

  • FEMA Registration Number

HOME INSPECTIONS

  • Part of the process for verifying damage and loss for applicants
  • Conducted by phone instead of in-person
  • Calls will take 20-30 minutes
  • About inspectors:
  • might be from out of state or “caller ID unavailable”
  • will provide a call-back number on voicemail if you don’t answer
  • will know your FEMA registration number
  • will ask about the type and extent of damage sustained
  • will NEVER ask for social security number or bank information
  • When in doubt, do not give out any information, but call (800) 621-3362 
  • After a home inspection, a record of the damage is given to FEMA
  • If you qualify, funds will be issued 7-10 days after your application

APPLY WITH SBA

For low-interest federal loans for disaster-related damages. You must complete registration with FEMA first.

DOCUMENT DROP-OFF

Saginaw County Long-Term Disaster Recovery Group is working with FEMA to set-up a one-stop flood recovery drive-through “center”. Once established, FEMA and SBA representatives will be available to help those who are unable to fill out and submit paperwork virtually. Dates and the location will be announced soon.

HELP

Beginning Thursday, July 20, Saginaw County will have the expertise and assistance of a full-time case manager to help affected families navigate the process of accessing federal, state and local dollars for assistance. Be sure to call 2-1-1 for this assistance.

BEWARE

The Attorney General warns disaster victims that scammers are attracted to locations in hopes of taking advantageof otherwise careful consumers who have FEMA money for repairs.

Ignore door-to-door solicitors offering damage recovery or discounts with leftover supplies from another job. 

If you believe a retailer or contractor is charging a price “grossly in excess” of what others are charging for similar goods or services, contact the Attorney General’s Consumer Protection Division at (877) 765-8388 or file an online complaint at https://secure.ag.state.mi.us/complaints/consumer.aspx

 

ACTION ITEMS FOR THOSE IMPACTED BY FLOODING

(Updated, June 25)

CALL

Call 2-1-1 if you haven’t already.

CLEAN

If you have not cleaned up yet, you must now. Don’t wait for your insurance carrier to assess damages. At this point, due to expected mold growth, clean-up should be done wearing protective gear. We can connect you with organizations ready to safely help you with these efforts.

DOCUMENT

Have evidence to show the damage to your home, vehicles, or other structures with photos or video and keep receipts for any expenses you have incurred related to the flood. If your insurance carrier has denied your claim, get a denial letter. 

CONNECT

We are waiting for a decision on whether or not the federal government will declare our area a federal disaster, which could mean Federal Emergency Management Agency (FEMA) assistance. Saginaw County’s initial data and damage assessments are being reviewed at the federal level. There is no timeline on when a decision will be made.

If a federal disaster declaration is secured, those impacted by the flood may be able to apply for low-interest loans for personal property, moving, storage, and transportation. In the event those are denied, FEMA has other resources that could potentially be available. 

However, we caution everyone to manage their expectations. The maximum federal assistance award is $33,000 while the average award amount is far less.