A widespread misconception is that the Federal Emergency Management Agency (FEMA) and/or the National Flood Insurance Program (NFIP) will cover all losses incurred from a major hurricane. In truth, both of these programs use extensive guidelines to determine who is eligible for assistance and how much assistance will be provided. In addition, the guidelines are continuously amended to incorporate "lessons learned" from previous active seasons.

This article will highlight a few recent changes made and recommend the next steps you should take to ensure protection for your municipality during this hurricane season.