Legal Aid of Southeastern PA (LASP) continues to help with legal issues caused by Hurricane Ida. If you have legal issues from Hurricane Ida, and live Bucks, Chester, Delaware or Montgomery counties, call 877-429-5994 Monday-Friday, 9 a.m.-1 p.m. Be sure to mention Hurricane Ida.

On Sept. 10, 2021, Hurricane Ida was declared a federal disaster in all four counties in Legal Aid of Southeastern PA’s service area. The eight Pennsylvania counties included in September 2021 disaster declarations included Bedford, Bucks, Chester, Delaware, Montgomery, Philadelphia, Northampton and York counties.

On June 22, 2022, Legal Services Corporation announced that Legal Aid of Southeastern PA is a disaster relief grant recipient. LASP will continue to help low-income residents who have legal impacts from the storm.

(updated Dec. 19, 2024)

Hurricane Ida Legal Helpline: 877-429-5994

The legal problems caused by Hurricane Ida in Pennsylvania are expected to continue for years.

LASP continues to help low-income survivors address legal problems caused by Hurricane Ida. Call our Helpline at 877-429-5994. Hours are Monday-Friday, 9 a.m.-1 p.m., or leave a message anytime. Or start an online application 24/7 at lasp.org/apply.

LASP continues to help Hurricane Ida survivors in Bucks, Chester, Delaware and Montgomery counties

Call 877-429-5994 Monday-Friday, 9 a.m.-1 p.m. or apply online at lasp.org/apply.

Legal problems related to Hurricane Ida in Pennsylvania are expected to last for years. LASP continues to help low-income survivors of Hurricane Ida in PA in Bucks, Chester, Delaware and Montgomery counties.

1-page PDF (print, download and/or share!)

(updated Sept. 1, 2024)

Through a grant from Legal Services Corporation (LSC), LASP continues to provide legal help for Hurricane Ida survivors with low incomes in Bucks, Chester, Delaware and Montgomery counties. LASP’s services are free.

All four counties were part of the federal disaster declaration for Hurricane Ida in PA. Call 877-429-5994 Monday-Friday, 9 a.m.-1 p.m., or leave a message 24/7. Be sure to say that Hurricane Ida impacted your legal problem.

See below for local, state and U.S. resources.

The federal disaster declaration in September 2021 included Bedford, Bucks, Chester, Delaware, Montgomery, Northampton, Philadelphia and York counties.

Some of the long-term legal problems caused by disasters:

Housing

  • Foreclosures

  • Landlord-tenant issues

  • Flood insurance disputes

  • Other housing disputes

Consumer

  • Bankruptcies

  • Disaster tax relief applications

General civil legal problems

  • Civil & disability rights cases

LASP is part of SEPA VOAD

As a result of ongoing work to help survivors of Hurricane Ida, LASP was elected as an official member of Southeastern PA Voluntary Organizations Active in A Disaster in December 2022. SEPA VOAD is a forum where organizations share knowledge and resources throughout the disaster cycle including response and recovery to help disaster survivors and their communities.

At the SEPA VOAD annual meeting in December 2023, LASP Staff Attorney Charles Burrows was elected to serve on the SEPA VOAD Board. He works with Hurricane Ida survivors and SEPA VOAD partners to address long-term legal problems stemming from Hurricane Ida.

Read more on our news page


In the news:

As Climate Change Fuels Disasters, Legal Aid Needs Grow

by Alison Knezevich | Law360 | Sept. 27, 2024 | https://bit.ly/Law360-9-27-2024

LASP Staff Attorney Charles Burrows discusses some of the legal problems faced by Hurricane Ida survivors in Pennsylvania.

‘FEMA’s hidden deadline for Kentucky flood survivors’

‘Federal Emergency Management Agency officials didn’t tell Kentucky flood survivors about an 18-month deadline to appeal for financial assistance. A disaster relief organization says that’s not the only time that’s happened.’

by Justin Hicks | Louisville Public Media | April 24, 2024 | https://bit.ly/LPM-4-24-2024

Note: On Jan. 24, 2023, FEMA announced the deadline of March 10, 2023 for Hurricane Ida appeals in Pennsylvania.

Hurricane Ida’s continued impact

Heavy rain, floods, and heat: How climate change makes life tougher for unhoused people in the Philly area: Hundreds of people live outside in the Philly area. Data shows some of the weather conditions they deal with are becoming more extreme

by Sophia Schmidt | WHYY News | Dec. 7, 2023 | https://bit.ly/WHYY-12-7-2023


What attorneys can do after a disaster strikes

TRAINING! Disaster legal help — FEMA Individual Assistance & Helping Applicants with Denials

Oct. 30, 2024

In response to Tropical Storm Debby in August 2024 and the federal disaster declaration that followed in four northern PA counties, North Penn Legal Services hosted a training for legal aid attorneys and pro bono attorneys Oct. 30 2024. The presentation addressed ”Disaster Legal Help: FEMA Individual Assistance & Helping Applicants with Denials.”

Shrushti Kothari from the Legal Services Corporation and Charles Burrows from Legal Aid of Southeastern PA provided information about the FEMA appeals process to help PA survivors of Tropical Storm Debby and/or future events that receive a federal, “Presidential” disaster declaration. Burrows also discussed some “lessons learned” from Hurricane Ida. LASP continues to help people in Bucks, Chester, Delaware and Montgomery counties who were impacted by Hurricane Ida in September 2021.

The federal disaster declaration for Tropical Storm Debby covered four counties (Lycoming, Potter, Tioga, and Union) in northern Pennsylvania. The declaration allowed survivors with critical needs and losses to apply to the Federal Emergency Management Agency (FEMA) for “Individual Assistance,” which funds home repairs, property losses, and other allowable requests. Some requests are denied in part or in full, and applicants have a right to appeal these decisions.

FEMA rules were updated in March 2024 to improve the coverage available, so if you’ve had this training before, you may want an update this year to help survivors of Tropical Storm Debby and be prepared to help those recovering from local and regional disasters.

Presenters:

  • Shrushti Kothari, Esq. is a Disaster Grants Program Counsel in the Office of Program Performance at Legal Services Corporation (LSC). She previously served as Project Manager of National Disaster Content and Resources and as a Staff Attorney in the Disaster Relief Unit at Lone Star Legal Aid in Houston, Texas. She also served as a Subject-Matter Expert and Content Manager for LSC’s multi-partner Legal Aid Disaster Resource Center website and the Disaster Assistance Recovery Tool. Ms. Kothari is a member of the American Bar Association’s Standing Committee on Disaster Response and Preparedness and the Vice Director of Implementations ABA Young Lawyers Division’s Disaster Legal Services Program.

  • Charles L. Burrows, Legal Aid of Southeastern PA Disaster Relief Attorney, joined LASP in 2022. He is based in the Community Engagement Unit in Norristown. Along with providing direct services in Bucks, Chester, Delaware and Montgomery counties, his role in the Community Engagement Unit includes conducting outreach, clinics, community education, and workshops. LASP continues to help survivors of Hurricane Ida in 2021. Charles holds a J.D. from Villanova University Charles Widger School of Law. He holds a B.S. in Management and B.A. in Political Science, cum laude, from Penn State Schreyer Honors College. He can be reached at cburrows@lasp.org.

FEMA webpage for Tropical Storm Debby in PA

Watch on YouTube (1 hour, 1 minute)


Legal Services Corporation’s 50th anniversary

Disaster legal services

Legal Services Corporation is celebrating its 50th anniversary in April 2024. LSC provides funding for LASP’s work to help survivors with legal recovery from Hurricane Ida in Bucks, Chester, Delaware counties.

Flyer (1-page PDF): read, print, and/or download

(April 4, 2024)

Legal Services Corporation (LSC) is celebrating 50 years of working to close the justice gap — and giving Americans equal access to the civil legal aid they deserve. That includes help when disaster strikes. LSC continues to fund LASP's work to help survivors of Hurricane Ida in Pennsylvania with long-term legal recovery and work with the Southeastern PA Voluntary Organizations Active in Disasters (SEPA VOAD) and other organizations to strengthen disaster response.

Learn how LSC is protecting America’s promise of equal access to justice: lsc.gov/celebrate50

  • Flyer (1-page PDF): read, print, and/or download


Disaster legal needs: short-term, medium-term and long-term

Legal Services Corp.’s Report of the LSC Disaster Task Force (April 2018) contains a 1-pager showing the life cycle of disaster legal needs (page 14; 1-page PDF).

The Legal Services Corporation’s Report of the LSC Disaster Task Force, a 98-page document published in April 2018, includes a list of disaster legal needs that evolve during the life cycle of a disaster (see page 14). The needs include:

Short-term legal needs after a disaster: 1-6 weeks after event

Housing

  • Lease Terminations & Evictions, Utility Shutoffs, Security Deposits, Repair Issues, FEMA Applications, Insurance Claims

Document Replacement

  • Birth Certificates, Driver's Licenses, Social Security Cards, Deeds

Income Protection

  • Wage Theft IssuesUnemployment Applications/Appeals, Public Benefits Applications/Appeals, U.S. Small Business Administration, Disaster Loan Applications

Medium-term legal needs after a disaster: 1-6 months after event

Housing & Consumer

  • FEMA/SBA Appeals, Landlord-Tenant Issues, FEMA/U.S. Department of Housing and Urban Development Rent Subsidy Renewals, Displaced Public Housing Tenant Issues, Foreclosure Prevention, Real Property Title Clearing & Probate, Section 8 Portability, Mobile Home Questions, Repair & Contractor Scams, Insurance Scams & Claim Disputes, Price Gouging

Family & Education

  • Access to public education while displaced, powers of attorney (for care of a child or senior), guardianships & supportive decision making, emergency custody modifications, parenting order modifications (new home/school locations), domestic violence Issues (including protective orders)

Long-term legal needs after a disaster: 6 months to years after event

Housing

  • Foreclosures, landlord-tenant Issues, flood insurance disputes, FEMA recoupments, other housing disputes

Consumer

  • Disaster tax relief applications, bankruptcies

General civil legal needs

  • Civil & disability rights cases, legal counsel for community organizations

See page 14 of the LSC report, or download it here (1-page PDF): Life cycle of disaster legal needs.


For future disasters starting March 22, 2024: FEMA announces reforms

(Jan. 28, 2024)

Published Jan. 22, 2024 new FEMA reforms seek to improve equity for disaster survivors who apply to the Individual Assistance program

For federal disaster declarations tarting March 22, 2024, the Federal Emergency Management Agency (FEMA) will implement reforms to simplify the process for survivors.

FEMA flyer (1-page PDF)

The Federal Emergency Management Agency (FEMA) announced changes to the Individual Assistance Program for future disasters. The new rules were announced Jan. 19, 2024, and published as an interim federal rule on Jan. 22, with a goal to "increase equity by simplifying processes, removing barriers to entry, and increasing eligibility for certain types of assistance" under the program. 

Some changes, outlined by Brittanny Perrigue Gomez, Disaster Benefits Team Manager at Texas RioGrande Legal Aid, include establishing Serious Needs Assistance and Displacement Assistance, removing loan application requirements, helping underinsured survivors, expanding habitability criteria, making accessibility improvements, removing barriers for late applicants, streamlining Temporary Housing Assistance applications, simplifying the appeals process, and more.

The changes are expected to take effect for new disasters declared on or after March 22, 2024.

Further reading:


Be prepared: Planning resources

(June 30, 2024)

FEMA Preparedness Community

Find resources in the FEMA Preparedness Community to help prepare your family for a future emergency.

FEMA’s portal provides resources for practitioners, students and partners with a common stake in building a resilient nation through individual and community preparedness.

Explore research-based protective actions, download disaster preparation and recovery resources, and find guidance on how you and your family can:

Ready.gov | Spanish: listo.gov

Ready.gov has planning resources to prepare for a disaster BEFORE it happens. | Spanish: listo.gov

Launched in February 2003, Ready.gov is a national public service campaign designed to educate and empower Americans to prepare for, respond to and mitigate emergencies and disasters. The goal is to promote preparedness through public involvement.

Ready and its Spanish language version Listo ask individuals to do four key things:

At Ready.gov, get information on:

Resource: Are You Ready: An In-Depth Guide to Citizen Preparedness (FEMA, 36-page PDF) https://www.ready.gov/sites/default/files/2021-11/are-you-ready-guide.pdf



Disaster Case Management is available for other Ida-related problems

(updated June 30, 2024)

  • Call 833-461-8432 for Bucks, Montgomery or York counties.

  • Call 267-888-7471 for Chester, Delaware, Northampton or Philadelphia counties.

What is disaster case management?

The Disaster Case Management Program is a FREE service. The program may be able to help if you were impacted by Hurricane Ida and you still have unmet needs like home repair, rental assistance, furnishings, transportation, or help navigating your recovery.

You will work with a trained Disaster Case Manager (DCM) one-on-one. The DCM will assess your needs and help you to access resources. A DCM will advocate on behalf of the individuals and families with FEMA, insurance companies, the Small Business Administration (SBA), and other disaster related services.

  • Comprehensive assessment of individual or family needs

  • Information and referrals

Legal Aid of Southeastern PA attorneys work with disaster case managers. When a legal issue may be involved, they may contact LASP. Se habla español. LASP has Language Line access & interpretation is available in 240+ languages.

Bucks, Montgomery & York County survivors of Hurricane Ida

The Disaster Case Management Program (DCMP) is providing FREE case management services to survivors in three participating counties impacted by Ida in September 2021: Bucks, Montgomery, and York. Survivors in these counties may call 833-4618-IDA (833-461-8432) for support and assistance.

Chester, Delaware, Northampton & Philadelphia County survivors of Hurricane Ida

Disaster Case Management is also available for survivors of Ida who live in Chester, Delaware, Northampton and Philadelphia counties. This is a FREE service.

Survivors who want to request services can call 267-888-7471 and leave a message which contains a call-back number. A case manager will return the call.


Sign up for emergency alerts

(Jan. 9, 2024)

Sign up for emergency notifications.

Make a plan in case of disaster: ready.gov

LASP encourages families to create a plan to implement in case of weather-related or other disaster: https://www.ready.gov/plan.

Sign up for emergency alerts in areas where you live and work.

Make a plan in case of disaster


FEMA Individual Assistance appeal deadline was March 10, 2023 for Hurricane Ida appeals in Pennsylvania

The FEMA appeal deadline for Hurricane Ida in Pennsylvania was Friday, March 10, 2023. Our website news article has more details.

Flyer (1-page PDF)

The Federal Emergency Management Agency (FEMA) announced Jan. 24, 2023 that the final deadline for appeals related to Hurricane Ida in Pennsylvania would be Friday, March 10, 2023.

FEMA Region 3 stated on Twitter:

"Pennsylvania! If you applied for FEMA Individual Assistance following #HurricaneIda, your opportunity to appeal ends on March 10, 2023. Be sure to submit all final requests, required documentation, and/or appeal letters before 3/10."

Do you face other legal problems caused by Hurricane Ida? Legal Aid of Southeastern PA continues to help survivors of Hurricane Ida in Bucks, Chester, Delaware and Montgomery counties. Contact 877-429-5994 Monday-Friday, 9 a.m.-1 p.m., or apply online 24/7: lasp.org/apply.

 

Hurricane Ida flood resources

This page includes local, state and federal resources and links related to Hurricane Ida on Sept. 1, 2021.

The Federal Emergency Management Agency (FEMA) official designated Hurricane Ida in PA as “Pennsylvania Remnants of Hurricane Ida: 4618-DR-PA.” As of Sept. 24, 2021, eight Pennsylvania counties were included in the federal disaster declaration: Bedford, Bucks, Chester, Delaware, Montgomery, Northampton, Philadelphia and York counties.

The federal disaster declaration allowed people in these counties, who were impacted by Hurricane Ida and its aftermath, to apply (“register”) with FEMA for financial help.

Bucks County also experienced a 100-year flood July 12, 2021. Resources related to this flood also are included (scroll to Local resources - Bucks County resources).


As 1-year anniversary of Hurricane Ida nears, LASP continues to help low-income survivors

(Aug. 21, 2023)

Legal problems stemming from natural disasters last for years, and Hurricane Ida survivors also face long-term legal issues. With the one-year anniversary of Hurricane Ida on Sept. 1, Legal Aid of Southeastern PA continues to work on Hurricane Ida cases, and will continue to help low-income survivors with legal problems related to Hurricane Ida in Bucks, Chester, Delaware and Montgomery counties. This work continues thanks to a disaster relief supplemental grant from Legal Services Corporation (LSC).

To contact Legal Aid of Southeastern PA about a legal problem related to Hurricane Ida or other civil legal issue, please call our Helpline at 877-429-5994 Monday-Friday from 9 a.m.-1 p.m., or apply online 24/7 at lasp.org/apply.

Long-term legal issues arising after a natural disaster can include:

Federal

  • Personal bankruptcy

  • Recoupment processes

  • Community Development Block Grant—Disaster Recovery (CDBG-DR)

State

  • Insurance claims and disputes

  • Consumer protection and contractor disputes

  • Foreclosures

  • Domestic violence

  • Title clearing

  • Employment issues

  • Equal access/non-discrimination

Further reading


LASP’s work to help low-income survivors of Hurricane Ida will continue, with a disaster relief grant from Legal Services Corp.

(updated July 6, 2022)

LASP will continue efforts related to Hurricane Ida in Bucks, Chester, Delaware & Montgomery counties, thanks to a disaster relief supplemental grant from Legal Services Corporation.

In a June 22 press release, LSC president Ronald S. Flagg stated, “Low-income people who confront civil legal issues in the wake of natural disasters face an uphill battle, and they shouldn’t have to go it alone. We are grateful that Congress recognizes the need for legal assistance in these recovering communities and provided this funding that will help our neighbors repair and stay in their homes, obtain key identification documents, apply for benefits and so much more.”

Further reading:



Wolf administration urges Pennsylvanians to prepare for hurricane season, consider purchasing flood insurance

(July 1, 2022)

Source: PA Dept. of Insurance press release (July 1, 2022)


How to file a complaint about your insurance company or public adjuster with the Pennsylvania Dept. of Insurance

(updated June 29, 2024)

Are you having problems with insurance company or public adjuster?

Let the PA Insurance Department know by filing a complaint.

(May 25, 2022)

MAPLE GLEN - At a May 5, 2022 community meeting, residents of Horsham and Upper Dublin townships discussed problems with insurance claims related to Hurricane Ida and the tornado that heavily damaged homes and businesses in their Montgomery County neighborhoods. The one-hour meeting was hosted by State Sen. Maria Collett, Rep. Todd Stephens, Rep. Ben Sanchez and the Upper Dublin Township Board of Commissioners at Maple Glen Elementary School in Maple Glen.

David Buono, Deputy Insurance Commissioner for Pennsylvania, gave brief remarks and asked the audience to share their problems with insurance claims. Residents spoke openly about disputed claims and delayed payments, which they said are leaving them with an unclear path forward while waiting for insurance payouts. Some residents said they were receiving insurance payments of $10,000-$15,000 at a time on $400,000 claims, which they said were not substantial enough to rebuild and move on.

How to file a complaint with the PA Dept. of Insurance

(updated June 29, 2024)

The Pennsylvania Dept. of Insurance asks residents who are having problems with insurance claims to file a complaint.

How to submit a complaint to the Pennsylvania Dept. of Insurance ON PAPER

  1. Print the 3-page Complaint Form (shown at right)

  2. Fill it out and mail or fax the Complaint Form to:

    Pennsylvania Insurance Department Bureau of Consumer Services, Room 1209, Strawberry Square Harrisburg, PA 17120

    Fax: 717-787-8585

  3. Questions? Call the toll-free Consumer Hotline: 877-881-6388.

How to submit a complaint to the Pennsyania Dept. of Insurance ONLINE

You have to create a login and password.

Luis A. Ventura Jr., Insurance Investigator for the Pennsylvania Insurance Department / Bureau of Consumer Services, provided information on steps on June 3, 2024:

  1. Go to insurance.pa.gov

    Under the word "consumer" click on "file a complaint, which will take you to https://bit.ly/create-pa-gov-consumer-account. At this point, you will be on a page titled “Pennsylvania Consumer Services Online Create Account” and you have to create an ID and password before you can submit the complaint.

  2. The information you need to create the ID and password:

    • Email address

    • Name

    • Address

    • Home, work and/or cellphone numbers

    • Choose preferred phone number (cell, work or home)

    • Choose preferred method of communication (portal only, United States Postal Service only, or both)

  3. Questions? Visit the ​Consumer Services Online Portal Frequently Asked Questions (FAQs) page: https://bit.ly/pa-consumer-portal-FAQs

Website & social media for the Dept. of Insurance


Hurricane Preparedness in PA

(May 09, 2022)

by the Pennsylvania Emergency Management Association (PEMA)

​The Atlantic hurricane season is almost here – beginning June 1! According to the National Oceanic and Atmospheric Administration (NOAA), the Atlantic hurricane season officially runs from June 1 through November 30.

What can we expect this year?

NOAA will issue its initial seasonal outlook for the 2022 hurricane season in late May. NOAA maintains data that defines what an average season looks like, but the number of storms only, not their impacts. Last year, the average annual count for tropical systems was updated to reflect the most recent 30 years of hurricane data from 1991 to 2020.

The 30-year average for the Atlantic basin yields:

  • 14 named storms

  • 7 hurricanes

  • 3 major hurricanes

The hurricane season has shown a more active trend of both hurricanes and tropical storms over the past few decades.

Continue reading to learn more about hurricane hazards and how you can be ready.

PA Hurricane Hazards and What to Expect

The difference between hurricanes and (named) tropical storms comes down to wind speed. A tropical storm has maximum sustained surface winds ranging from 39 to 73 mph. A hurricane has maximum sustained surface winds of 74 mph or greater (64 knots or greater).

Regardless, both can cause significant damage. Hazards related to hurricanes and tropical storms include rain, wind, tornadoes, waves, and storm surge. In Pennsylvania, we focus on preparing for rain, wind and tornadoes since our coastal areas are limited, reducing threats for waves and surge.

Rain (Flooding)

Inland river and flash flooding from heavy rain is the most common threat statewide, and flooding is the most likely threat from a tropical system in Pennsylvania.

You don’t have to live in a flood zone to see the threat of flooding. In fact, 20 percent of all flood claims are for properties outside of high-risk flood areas. Half of the lives lost due to flooding are in vehicles, often at night with limited visibility, so never attempt to drive through flood waters. Last year, Ida alone was responsible for four flood-related deaths in Pennsylvania.

Wind/Tornado (Damage)

Hurricanes can bring damaging wind and tornadoes. Both Isaias in 2020 and Ida in 2021 brought with them numerous tornadoes, some strong, resulting in injury and a fatality. Tornadoes are 4th on the list of our top ten threats we face in Pennsylvania.

Don’t think a tornado can affect you? Since 1950, tornadoes have been recorded in every county of the state. In 2021 alone, there were 44 tornadoes, the second-highest annual tally in the state. (1998 tops the list with 61.)

Learn more


Yes, Pennsylvania, we are all at some risk of flooding

(March 11, 2022)

By the Pennsylvania Emergency Management Association

​I don’t live in a flood zone. Why should I care about flooding? Am I at risk?

Yes. Anywhere it can rain, it can also flood. And we have a map that shows you that most flooding reported to the National Weather Service happened outside the 100-year flood zone!

March is a month of seasonal transition in Pennsylvania. The first day of spring is March 21, yet we are also still at risk of major snowstorms (Remember the blizzards in 1993 and 1997 and the nor'easter in 2018?). As a result, March is also when we begin shifting our attention to flooding risks. Rapid snow melt and heavy rain increases the risk of flooding in Pennsylvania. That risk isn’t just near those who live along a river, creek or stream. Everyone in Pennsylvania is at some risk of flooding which can have disastrous results. Take a look at this short videoOpens In A New Window that describes a restaurant owner’s personal experience with unexpected flooding in 2018.

To understand who is at risk of flooding and where, we recently plotted all the locations of flood reports that were made to the National Weather Service from 1993 through 2021.

Then we color coded the locations to better understand where the flooding occurred:

  • Flood reports over one-half mile outside the FEMA 100-year floodplain area are marked red.

  • Flood reports falling within one-half mile of the FEMA 100-year floodplain are in green.

According to the map, approximately 90% of flooding in Pennsylvania that was reported to the National Weather Service occurred outside of the “FEMA 100-year flood plain”. The 100-year flood plain means there is a 1% chance of flooding in that area each year.  This map shows that 90% of the flooding reported, occurred in areas where there is less than a 1% chance of flooding each year.

How are there so many reports of flooding outside the high-risk flood areas?

There is risk of flooding anywhere there is excess water due to rain and/or snowmelt that accumulates faster than the ground can absorb it, or the drainage systems can carry it away.

Given that Pennsylvania has more than 83,000 miles of riverways, it makes sense that we are most familiar with “river flooding," and the risks associated with living near a body of water. Flooding along rivers, creeks, and streams occurs when heavy rains, rapid snow melt or erosion cause water levels to rise and overflow beyond the banks that contain them. But that’s only part of the story; in addition to river flooding, there is also coastal, flash, and urban flooding in Pennsylvania.

Flash and urban flooding is what puts so many additional red dots on that map.

About Flash and Urban Flooding

The National Weather ServiceOpens In A New Window explains that flash floods can be caused by extremely heavy rainfall from thunderstorms, dam or levee breaks or mudslides.

How quickly the flash flooding can occur depends on the intensity of the rainfall, land use and topography, vegetation types and how wet the ground is from prior rainfall or snowmelt.

Urban or populated areas are prone to flooding when impervious surfaces (parking lots, buildings, roads) do not allow water to infiltrate the ground or when storm drains and sewers overflow.  It can often show up in the form of wet basements and sewer backups. 

Flash and urban flooding is difficult to predict, very dangerous, and can cause costly damage.

Why flash and urban flooding can be so dangerous…

  • Just six inches of fast-moving water can knock you off your feet.

  • Six inches of water will reach the bottom of most cars causing loss of control and possible stalling.

  • A foot of water will float most vehicles.

  • Two feet of fast-moving water can carry away cars, SUVs and pick-ups trucks.

…And costly

  • Just one inch of water in a home can cost more than $25,000 in damage.

  • Most homeowner and renter insurance does not cover damages from flooding.

Rather than asking whether you are at risk, consider finding out the level of risk for where you live (or work) and what you can do to mitigate it.

How To Get Started with Mitigation

  1. Find out your level of risk. FEMA's flood map can help you determine your region's risk of flooding. Some regions are marked with color codes indicating the likelihood of flooding there.

  2. Lower your risk. Mitigating your flood risk not only protects your property against flood damage but can also help lower insurance costs.
    Learn about what you can do to reduce your risk.

  3. Prepare your home regardless of risk. Even if your region is listed as low to moderate risk, there are several ways to lessen the likelihood of flooding or mitigate the damage if you do have water in your home. Take a look at this tip sheet to learn more.

Flooding has shown Pennsylvania how devastating it can be. The more you learn, prepare for, and protect yourself and loved ones and your home against flooding, the easier your recovery. Download our Ready PA monthly newsletter for more helpful information to stay safe.

Source: ReadyPA blog, March 11, 2022


More news and updates

  • Preparedness for floods and wildfires: Learn your home’s risk at RiskFactor.com

    (May 25, 2022) Risk Factor™ is a free online tool created by the nonprofit First Street Foundation® that makes it easy for Americans to find their property’s risk from environmental threats such as flooding and wildfires and understand how risks are changing because of a changing environment. The site currently addresses flood risk and wildfire risk.

  • “Wolf Administration Warns Pennsylvanians Of Spring Flooding, Urges Homeowners To Consider Purchasing Flood Insurance”

    (April 21, 2022) Pennsylvania Acting Insurance Commissioner Michael Humphreys today urged property owners to consider purchasing flood insurance to protect their homes, businesses, and possessions.

    For many Pennsylvanians, flooding caused by heavy spring rainfall can be a common occurrence. Just one inch of water can cause $25,000 of damage to your home.

    Pennsylvania Dept. of insurance press release

  • FEMA announces new Swift Current Initiative to support flood mitigation; apply April 1-Oct. 3, 2022 and check local government for possible earlier deadlines

(March 25, 2022) Please see our website News story for information and links.

Jan. 10, 2022 was the FEMA application deadline for Pennsylvania

The deadline for Pennsylvania residents to apply for help from the Federal Emergency Management Agency (FEMA) was Jan. 10, 2022.


Free legal assistance available for Pennsylvania Hurricane Ida survivors - Call 877-429-5994

HELPLINE NUMBER: 877-429-5994

Hurricane Ida in Pennsylvania - free legal help. Click to download one-page PDF flyer

Need legal help due to Hurricane Ida in Pennsylvania? Low-income survivors may call 877-429-5994 Monday-Friday, 9 a.m.-1 p.m. or leave a message. Legal Aid of Southeastern PA is providing the statewide legal aid Helpline, in partnership with:

  • MidPenn Legal Services, Inc.

  • North Penn Legal Services, Inc.

  • Philadelphia Legal Assistance

  • American Bar Association Young Lawyers Division

  • Federal Emergency Management Agency

How the Helpline works

Callers should identify that they are seeking storm-related legal assistance and should identify the county in which they are located and their legal problems. Callers will then be routed to the correct legal aid organization based on their location. Survivors who qualify for assistance will be matched with Pennsylvania lawyers who have volunteered to provide free legal help.

Sara Planthaber, LASP Staff Attorney and Hurricane Ida Helpline Specialist, noted, "Applicants only have 60 days from the date on their denial/decision letter to appeal, so it's important to call us right away once they receive their decision letter."

Examples of legal assistance available may include:

  • Help with FEMA denials.

  • Assistance with securing FEMA and other benefits available to disaster survivors.

  • Help with home repair contracts and contractors.

  • Replacement of wills and other important legal documents destroyed in the disaster.

  • Assisting in consumer protection matters, remedies and procedures.

  • Counseling on mortgage-foreclosure problems.

  • Counseling on landlord/tenant problems.

  • Assistance with life, medical, and property insurance claims.

To get help with legal issues from Hurricane Ida, call 877-429-5994 Monday-Friday, 9 a.m.-1 p.m., or leave a message. Your call will be returned.

Sources:

Legal Aid of Southeastern PA Hurricane Ida Helpline Specialist and Free Legal Assistance Available for Pennsylvania Remnants of Hurricane Ida Survivors HELPLINE NUMBER: 1 (877) 429 5994 (American Bar Association press release, Oct. 8, 2021). Or visit the ABA Disaster Hotlines webpage and scroll to “Pennsylvania hotline - Pennsylvania Remnants of Hurricane Ida.”

The news release is also posted in full at our News page.


How to appeal a FEMA decision

You can appeal a FEMA decision, but you must do so within 60 days!

(updated Jan. 26, 2022)

Do you disagree with the determination letter you received from FEMA about disaster assistance for Hurricane Ida damages? You can appeal. Missing documents are some of the most common reasons a FEMA application gets denied.

Legal Aid of Southeastern PA is helping people file FEMA appeals. Call 877-429-5994 Monday-Friday, 9 a.m.-1 p.m., or leave a message.

Here is the process of how to appeal a FEMA decision:

Often, determinations of ineligibility arise from a lack of sufficient documentation.

An application might need an insurance settlement letter, proof of residence, proof of ownership of the damaged property, or proof the damaged property was your primary residence at the time of the disaster.

  • Insurance: If coverage is not enough to make essential home repairs, pay for a place to stay or replace personal items, FEMA may reconsider an application. But you must provide documents from your insurance company that detail any settlement. Remember: FEMA cannot duplicate homeowner or renter insurance benefits.

How to appeal a FEMA decision: Dowload one-page flyer (updated Jan. 26, 2022)

  • Homeowner or renter occupancy: FEMA may reconsider someone for grants if documents are provided that prove the damaged structure was your primary residence. FEMA needs to see utility bills, driver’s license or a copy of the lease or rental agreement. There is no federal disaster assistance for secondary or vacation homes.

  • Ownership: Documents that prove ownership may include mortgage or insurance documents, tax receipts or a deed.

If you disagree with FEMA’s decision of the amount or type of assistance, you can submit an appeal letter and any documents needed to support the claim.

How to file an appeal

All appeals must be filed in writing. Explain why the decision may be incorrect. When submitting a letter, please include:

  • Your full name

  • Date and place of birth

  • Address of the damaged dwelling

  • FEMA disaster number (4618-DR-PA for Hurricane Ida in Pennsylvania)

  • Your FEMA registration number (on each page)

  • All supporting documents

If you are having someone help you write the appeal letter, there must be a signed statement affirming that person may act on your behalf. Keep a copy of the appeal for your records.

Important: you must file your appeal within 60 days of the date on the FEMA determination letter

To file an appeal, letters and documentation must be postmarked or received by fax within 60 days of the date on the FEMA determination letter. Sara Planthaber, LASP’s Hurricane Ida Helpline Specialist, explains, “The 60-day clock starts on the date of the determination (i.e., the date on the letter). Some people elect for electronic communication, but even then, it might take up to 48 hours for an email notification to be sent.”

3 ways to submit your appeal to FEMA

  • Online: DisasterAssistance.gov (Upload to your account)

  • By mail: FEMA – Individuals & Households Program National Processing Service Center, P.O. Box 10055 Hyattsville, MD 20782-7055

  • By fax: 800-827-8112. Attention: FEMA – Individuals & Households Program   Questions? Call the FEMA Helpline at 800-621-3362. Help is available in most languages. TTY users may call 800-462-7585. FEMA’s Helpline is available from 7 a.m.-11 p.m.

Pennsylvania survivors with additional needs resulting from the impacts from Hurricane Ida may call 2-1-1 for referral to a community/volunteer organization for assistance.

Source: Don’t Agree with Disaster Assistance Determination Letter? FEMA May Take a Second Look (FEMA, Dec. 10, 2021)

Eight Tips for Appealing a FEMA Determination Letter

(Jan. 23, 2023)

FEMA offers eight suggestions for appealing a FEMA decision.


How to apply for FEMA assistance online or by phone

(Updated Jan. 26, 2022)

Note: Deadline to apply for help from FEMA was Jan. 10, 2022.

This information remains on the website to provide background information such as the section, “Stay in touch with FEMA.”

Because of the Hurricane Ida disaster declaration, residents of Bedford, Bucks Chester, Delaware, Montgomery, Northampton, Philadelphia and York counties who were impacted by Hurricane Ida can apply for assistance through the Federal Emergency Management Agency (FEMA). Deadline to apply: Monday, Jan. 10, 2022! Apply if you suffered property damage or loss directly caused by the hurricane. Even if you have insurance, FEMA encourages you to apply for disaster assistance. Help may be available for uninsured or underinsured damages and if insurance claims are not promptly settled.

Individual Assistance (IA) is available to individuals and households for emergency work and the repair or replacement of homes damaged by Hurricane Ida. Federal assistance for homeowners and renters can include grants for rent, temporary housing, home repairs to primary residences as well as other disaster-related needs. The aid FEMA provides is for basic survivor needs and is the first step to recovery.

The Small Business Administration has announced low-interest loans for personal property, real property, and business losses in connection with Hurricane Ida in Pennsylvania. (Read details in this SBA press release.)

How to apply for disaster assistance

Individuals and business owners who sustained losses in Bedford, Bucks, Chester, Delaware, Montgomery, Northampton, Philadelphia and York counties can apply for assistance.

Sara Planthaber, LASP's Hurricane Ida Helpline Specialist, noted, "FEMA funds can also be used to cover losses in excess of an insurance award. For example, if it costs $20,000 to repair a roof and insurance will only cover $10,000, a homeowner could request $10,000 in FEMA assistance to pay the rest of the cost."

  • Apply (“register”) online at www.DisasterAssistance.gov (FEMA recommends applying online for fastest service.)

  • To apply in Spanish, visit DisasterAssistance.gov/es.

  • Call 1-800-621-FEMA (3362) or 1-800-462-7585 TTY for the hearing and speech impaired. Operators can also answer questions about applications already submitted.

To apply, you will need:

  • Your address with zip code

  • Directions to your property

  • Condition of your damaged home

  • Insurance information, if available

  • Social Security number

  • Phone number where you can be contacted

  • Address where you can get mail

  • Email address (Email address is REQUIRED to check your registration status online. If you do not provide an email address, you will have to contact FEMA for any updates to your registration.)

  • Bank account information

    • If you are eligible to receive financial assistance, the money can be sent directly to your bank account.

    • Provide your bank account type, account number, and bank routing number.

After your registration process is complete, you will receive a call from FEMA to follow up. An inspector will schedule an appointment to visit your home. Please note that FEMA-contracted inspectors will not require bank account information.

If you do not have a Social Security number:

As long as someone in the home is a citizen, non-citizen national, or qualified undocumented immigrant, they can apply for FEMA assistance. The Montgomery County Hurricane Ida webpage explains:

‘I’m not sure if I qualify for help from FEMA. Should I apply?’

If you are not sure whether or not you are eligible for help, FEMA recommends applying!

Stay in touch with FEMA:

  • After registering, you will be given a FEMA registration number

  • Be sure to write your number down and save it

  • You will need the number whenever you contact FEMA

Deadline to apply: Jan. 10, 2022

What happens after you apply

Sources:

About the FEMA disaster declaration

Bucks, Chester, Delaware, Montgomery, Philadelphia and York counties are included in the Sept. 10, 2021 federal disaster declaration. Bedford and Northampton counties were added to the disaster declaration on Sept. 24, 2021.

The federal disaster declaration in Pennsylvania means that federal assistance is available to eligible individuals and families affected by this disaster in the eight counties. Details on how to apply (“register”) for FEMA assistance in person, online or by phone are included below.

Federal Emergency Management Agency (FEMA) information for Federal Disaster Assistance for Remnants of Ida.

Furnaces, septic systems, bridges &/or wells may be eligible for FEMA assistance: New from FEMA (Oct. 22, 2021)

Pennsylvania homeowners in Bedford, Bucks, Chester, Delaware, Montgomery, Northampton, Philadelphia, and York counties whose furnaces, septic systems, bridges and/or wells were damaged between Aug. 31, 2021 - Sep. 5, 2021 by the remnants of Hurricane Ida may be eligible for financial assistance under FEMA’s Individuals and Households Program. People who are determined ineligible, or received an initial amount for cleaning or testing, have the right to appeal for additional assistance in some cases up to the actual cost of repair or replacement of furnaces, septic systems, bridges and wells.

More information: Additional Assistance for Repair or Replacement of Damaged Wells, Furnaces, Bridges and Septic Systems May Be Provided by FEMA upon Appeal (FEMA press release)

Disaster declarations

Addition of Bedford and Northampton counties to federal disaster declaration: Gov. Wolf Announces Additional Counties Approved for Federal Disaster Assistance from Remnants of Ida (PA government press release, Sept. 24, 2021)

Advocates for Disaster Justice

(updated June 5, 2023)

Advocates for Disaster Justice was formerly known as the National Disaster Legal Aid Resource Center / DisasterLegalAid.org. Advocates for Disaster Jusice is a national collaboration and legal relief effort that took root in the aftermath of Hurricane Katrina in 2005.

Partners include Pro Bono Net, Lone Star Legal Aid, the American Bar Association Center for Pro Bono, and the National Legal Aid & Defender Association (NLADA).

https://www.advocatesfordisasterjustice.org

Legal Aid Disaster Resource Center

Legal Aid Disaster Resource Center’s webpage

Fraud prevention

FEMA stated that after a disaster, scams and identity theft increase. “Criminals often attempt to take advantage of disaster survivors,” FEMA stated in a Sept. 28, 2021 press release. “Scammers may target survivors when they are in a stressful state and are more susceptible to potential fraud.

“Scams can take different forms and be carried out in many ways, including phone calls, texts, mail or email, websites, or in person. Federal and Commonwealth emergency management officials urge residents to watch for and report any suspicious activity by calling the FEMA Disaster Fraud Hotline at (866)-720-5721 or your local police department.”

To apply for disaster assistance through FEMA, register at DisasterAssistance.gov (English) or DisasterAssistance.gov/es (Spanish).Source: Pennsylvania Emergency Management Agency: pema.pa.gov/Recovery/Documents/Disaster-Assistance-Registration-Flyer-English-Spanish.pdf

To apply for disaster assistance through FEMA, register at DisasterAssistance.gov (English) or DisasterAssistance.gov/es (Spanish).

Source: Pennsylvania Emergency Management Agency: pema.pa.gov/Recovery/Documents/Disaster-Assistance-Registration-Flyer-English-Spanish.pdf


Apply for rent and utility assistance in the county where you live.

Apply for rent and utility assistance in the county where you live.


Replace lost ID

Lost ID

  • Replace your PA birth certificate: PA birth certificate replacement application, with fees waived for 90 days under the Disaster Declaration for a Natural Disaster. The 90-day timeframe started Aug. 31, 2021.

  • Replace your Social Security card: If you lost your Social Security card in the storm, here’s how to apply for a replacement.

  • Replace your Pennsylvania driver’s license: Visit PennDOT.

  • Replace your PA photo ID. Visit PennDOT.

    ID Clinics in Exton

  • Beginning Sept. 22, 2021, PA CareerLink of Chester County is hosting ID clinics two times a week in partnership with LASP and United Way of Chester County. Dates and times for these clinics are posted at our Events page: lasp.org/events. The location is: 479 Thomas Jones Way, Suite 500, Exton, PA 19380.

Disaster Unemployment Assistance (DUA)

The deadlines to apply for Disaster Unemployment Assistance (DUA) were in October 2021.

  • Oct. 20, 2021: Deadline to apply for Bucks, Chester, Delaware, Montgomery, Philadelphia and York counties

  • Oct. 27, 2021: Deadline to apply for Bedford and Northampton counties

Disaster Unemployment Assistance (DUA): Pennsylvanians In Six Counties Impacted By Remnants Of Hurricane Ida Can Apply For Temporary Disaster Unemployment Assistance. Deadline to apply: Oct. 20, 2021.

Federal Emergency Management Agency (FEMA) resources

Help from other U.S. agencies

Pennsylvania resources

Local resources

Bucks County resources

Bucks County is covered by the Hurricane Ida disaster declaration of Sept. 10, 2021. Bucks County also suffered severe flooding in July 2021.

Bucks County Government’s Hurricane Ida pagehttps://www.buckscounty.gov/1339/Hurricane-Ida-Updates

Bucks County 100-Year Flood Resource Guide from the Bucks County Dept. of Human Services

United Way of Bucks County’s form, “Coordinated Outreach to Bucks County Homeowners Impacted by July 2021 Flood,” can help identify needs such as fixing mold problems.

To replace items, utilize the United Way HELP Center. The Help Center also can provide gift cards,

Bucks County Opportunity Council can provide gift cards.

LASP help in Chester County

Legal Aid of Southeastern PA is available to provide technical and legal assistance to Chester County residents impacted by Hurricane Ida. LASP staff can offer guidance on the following:

  • Landlord/tenant matters

  • Situations where tenants do not have a written lease

  • Researching renters’ and flood insurance

  • Custody concerns for displaced families

  • Replacement of lost documents, including birth certificates, Social Security cards, home deeds, and similar items

Those seeking assistance must contact LASP and open a file. Individuals can call the LASP office directly at 610-436-4510 for Hurricane Ida-related issues rather than going through the helpline, which will allow them to get help faster.

Chester County resources

Delaware County resources

Montgomery County resources

Preparing for disaster

10 Ways You can Resolve to be Ready (FEMA blog, Dec. 31, 2020)