Emergency Financial Preparedness


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Preparing Financially for a Disaster

If a disaster or other emergency strikes your community, you may only have seconds or minutes to react. In those critical moments, your focus will be on your family’s safety. Once the immediate danger has passed, having your homeowners or renters insurance policy, bank account information, and other household records and contacts will be essential as you begin the recovery process. The Emergency Financial First Aid Kit (EFFAK) can help you be ready.

Access links below for more information regarding financial preparedness

The Emergency Financial First Aid Kit (EFFAK)

Ready.gov/Financial Preparedness

 Disasters in September

USGS (United States Geological Survey) lists 14 significant earthquakes world wide in the last 30 day ranging from 4.3 to 7.1 in magnitude.

In the Mexico City earth quake of  7.1 magnitude on September 19 ,

  1. A total of 38 buildings in the Mexican capital – mostly apartment blocks or office buildings – collapsed.
  2. Thousands more have been left homeless because their houses or apartment buildings are deemed uninhabitable.
  3. Nearly 17,000 people have been “attended to” at 48 shelters. Many are bunking with family or friends.

 Disaster Assistance

Information regarding Federal Disaster Assistance can be found at the fema.gov website. A brief statement from the website includes the following:

Disaster assistance “ It is meant to help you with critical expenses that cannot be covered in other ways. This assistance is not intended to restore your damaged property to its condition before the disaster. Most disaster assistance from the Federal government is provided in the form of loans administered by the Small Business Administration.

Earthquake Insurance

In developing your Emergency Financial Preparedness Plan having earthquake insurance may be right for you. You can go to Earthquake Authority’s website to calculate the cost of earthquake insurance to see if it makes sense.


To get an understanding of earthquake insurance in California and to find out what it will and will not cover, go to California Department of Insurance website: