Our Positions | Disaster Mitigation

Natural catastrophes are increasing in frequency and severity at an alarming rate. Having spent nearly $1 trillion on disaster recovery since 1983, the federal government is the largest payer of post disaster costs and taxpayers in recent years have been picking up an increasing share of the tab.

To illustrate just how much the disaster landscape in the U.S. has changed over the years, in 1955, after Hurricane Diane caused significant damage to the coast of South Carolina, the federal government paid 5 percent of the recovery efforts. By 2005, following Hurricane Katrina that number had risen to 50 percent, and in 2012 taxpayers were left to pay for a massive 77 percent of the recovery efforts following Superstorm Sandy. The dangerous trajectory of our nation’s post-disaster cost curve lends itself to an unsustainable model that ultimately puts Americans at risk.

Multiple studies have shown that every $1 spent on preventative mitigation saves approximately $4 in future losses, but the Federal Emergency Management Agency has taken a reactive posture to disasters. FEMA has spent 14 times more on incorporating mitigation measures after the catastrophe in recent years, instead of proactively preparing communities before the next storm. More troubling, FEMA currently spends 89 times more on post-disaster assistance than pre-disaster mitigation. Victims of catastrophes should always be put back on their feet in the aftermath of a disaster. But the fact that FEMA would invest such a small amount to prepare communities before the next storm while doling out billions in post-disaster assistance only adds furthers the argument for a wholesale change in approach.

NAMIC Position

NAMIC supports a shift in the current federal approach to disasters, advocating for the federal government to invest far more heavily in proactive, economically proven pre-disaster mitigation. To do this, NAMIC has called on Congress to create a National Mitigation Investment Strategy that would reform federal disaster policy while giving states and communities a package of tools and incentives to build structures more resiliently.

Connecticut: Tropical Storm Isaias State of Emergency Order Lifted

August 24, 2020 Gov. Ned Lamont has lifted the state of emergency declared as a result of Tropical Storm Isaias. Therefore, the grace period provisions of Bulletin IC-31 are terminated... Read more

FEMA Releases New Materials Outlining BRIC Eligible Activities, Including Stronger Building Codes

August 24, 2020 The Federal Emergency Management Agency has released new supporting materials to help applicants and stakeholders in the development of successful grant applications in response to the Building Resilient Infrastructure and Communities’ Notice of... Read more

FEMA to Conduct Series of Webinars on BRIC Program

August 17, 2020 After announcing the fiscal year 2020 Notification of Funding Opportunity for the new Building Resilient Infrastructure and Communities pre-disaster mitigation grant program earlier this month, the Federal Emergency Management Agency... Read more

Delaware DOI Releases Catastrophe Reporting Form Related to Tropical Storm Isaias

August 13, 2020 The Delaware Department of Insurance issued Domestic/Foreign Insurers Bulletin No. 122 requesting all admitted and non-admitted property/casualty insurance companies and surplus lines insurers, including companies that write flood insurance... Read more

NAMIC: First BRIC Grants a Milestone for Disaster Mitigation

August 5, 2020 Federal disaster policy achieved another milestone as the application process for the first grants under the Building Resilient Infrastructure and Communities grant program is getting underway, the... Read more


Andrew Huff
Senior Director of Federal Affairs