April is Financial Preparedness Month

Financial Preparedness

The following is from ready.gov

Americans at all income levels have experienced the challenges of rebuilding their lives after a disaster or other emergency. In these stressful circumstances, having access to personal financial, insurance, medical, and other records is crucial for starting the process of recovery quickly and efficiently. Taking the time now to collect and secure these critical records will give you peace of mind and, in the event of an emergency, will ensure that you have the documentation needed to start the recovery process without delay.

  1. Gather financial and critical personal, household, and medical information.
  2. Consider saving money in an emergency savings account that could be used in any crisis. Keep a small amount of cash at home in a safe place. It is important to have small bills on hand because ATM’s and credit cards may not work during a disaster when you need to purchase necessary supplies, fuel or food.
  3. Obtain property (homeowners or renters), health, and life insurance if you do not have them. Review existing policies for the amount and extent of coverage to ensure that what you have in place is what is required for you and your family for all possible hazards. Homeowners insurance does not typically cover flooding, so you may need to purchase flood insurance from the National Flood Insurance Program.
  4. Scroll down for more helpful financial preparedness tips and download the Emergency Financial First Aid Kit (EFFAK) to get started planning today.

The Emergency Financial First Aid Kit (EFFAK), a joint publication from Operation Hope and FEMA’s Citizen Corps, to help you prepare financially and provide tips to reduce the impact disasters can leave you with financially.


Charlevoix, Cheboygan, Emmet County Office of Emergency Management P.O. Box 480, Petoskey, MI 49770 855-515-1624