Our thoughts are with the communities impacted by the devastating floods in Kentucky. The heavy rains followed by freezing temperatures and snow have resulted in the loss of at least 22 lives across the state.
We understand the overwhelming nature of such destruction, but you are not alone in this journey. Numerous organizations, emergency services, and local communities are extending help, hope, and resources to those in need. In this guide, we have compiled essential information to assist you during the recovery process, from financial aid and emergency services to compassionate organizations offering direct assistance.
1. Options for Temporary Housing
If you have been displaced by the floods in Kentucky, staying with family or friends is the best initial option if possible. This provides a familiar and supportive environment, reducing stress during this challenging time and allowing you to focus on recovery and long-term housing solutions.
For those unable to stay with loved ones, emergency shelters in Eastern Kentucky are available at:
- Lee’s College Gymnasium and Jackson City School (Breathitt County)
- Paces Creek Elementary School and Laurel Creek Church of God (Clay County)
- First Baptist Church (Knox County)
- Lawrence County Community Center (Lawrence County)
- Martin County Middle School, old public library, and Inez Elementary School (Martin County)
- McCreary County School Gym (McCreary County)
- New Life Church (Pulaski County)
Additionally, four state parks are open to provide assistance:
- Buckhorn Lake
- Jenny Wiley
- Natural Bridge
- Pine Mountain
Please contact these facilities directly for more information.
The Red Cross and local community shelters are providing temporary housing and assistance to displaced residents. The Kentucky Division of Emergency Management offers a list of warming shelters and emergency housing locations. Individuals in immediate need should fill out the Kentucky Rapid Needs Assessment Form for assistance.
2. Insurance Guidance for Flood Victims
Many flood victims are facing significant property damage or total loss of their homes, making it crucial to handle insurance claims correctly. Acting promptly and documenting everything thoroughly can facilitate a smoother process.
Filing an Insurance Claim
- Contact your insurance provider immediately – Inform your homeowners or renters insurance company without delay to initiate your claim. Have details about the damage ready.
- If you have flood insurance – Standard homeowner’s insurance policies typically do not cover flood damage. If you have coverage through the National Flood Insurance Program (NFIP), file a claim promptly by contacting your insurance agent or NFIP Direct at 1-800-638-6620. Visit FloodSmart.gov for guidance.
- Document everything – Take detailed photos and videos of all damages before initiating repairs. Maintain an inventory of damaged personal belongings, along with receipts if available.
Navigating the Claims Process
- Request a copy of your policy – Understanding your coverage limits, exclusions, and deductibles can prevent misunderstandings.
- Schedule an adjuster inspection – Your insurer will send an adjuster to assess the damage. Be present during the inspection to point out all affected areas.
- Keep track of communications – Save all emails, letters, and notes from phone calls with your insurance company.
Obtaining Additional Assistance
- The Kentucky Department of Insurance offers assistance to help residents comprehend their policies and the claims process. Visit insurance.ky.gov or call 1-800-595-6053 for guidance.
- In case of claim disputes or delays, legal aid organizations like Legal Aid of the Bluegrass and Kentucky Legal Aid can assist in challenging denials or negotiating better settlements.
- For emergency financial assistance, FEMA may provide grants for temporary housing and home repairs once federal disaster declarations are in effect.
3. Replacing Lost Belongings and Documents
In addition to home and personal property damage, essential documents are often lost in the aftermath. Replacing these crucial records is vital for accessing financial aid, insurance claims, and other recovery resources. Kentucky residents needing to replace lost documents such as driver’s licenses, birth certificates, or Social Security cards can do so through relevant agencies:
Local relief organizations and churches are also offering clothing, food, and household essentials for those who have lost their belongings.
4. Financial Assistance and Relief Programs
In late February, Kentucky Governor Andy Beshear requested FEMA assistance for the ten most impacted counties. Fortunately, emergency aid was provided to some of the hardest-hit areas, including Breathitt, Clay, Harlan, Knott, Lee, Letcher, Martin, Owsley, Perry, and Pike. These regions, already economically disadvantaged, require urgent financial support for recovery.
For individuals affected by the recent severe weather in Eastern Kentucky, resources are available to aid in recovery:
- FEMA assistance: Affected individuals can apply for FEMA assistance here. The FEMA incident ID number for the recent severe weather is EM-3624-KY.
- SBA disaster assistance: Explore low-interest loans through the Small Business Administration to aid in repairing or replacing damaged property.
5. Animal Care and Support
The floods in Kentucky have displaced many pets, strays, and wildlife, necessitating urgent care and support. While assisting animals is important, prioritizing safety is paramount. Here are ways to help animals in need while ensuring everyone’s safety.
Assisting Displaced Pets and Stray Animals
During floods, pets and strays often face displacement, with the Kentucky Humane Society (KHS) playing a crucial role in rescuing and caring for these animals. They collaborate with local shelters for assistance, but community support is essential. You can contribute by donating supplies, fostering pets, or adopting displaced animals. If you come across a stray animal, contact local shelters rather than approaching the animal yourself.
Furthermore, KHS is waiving adoption fees for all adult dogs (1 year+) from Friday, February 28, to Sunday, March 2. This initiative, sponsored by BISSELL Pet Foundation, aims to create space for new arrivals and assist them in finding permanent homes.
For more information, visit kyhumane.org/disasterrelief to discover how you can help KHS support partner shelters in Eastern Kentucky.
Caring for Wildlife
Natural disasters like floods often result in increased wildlife sightings as animals lose their habitats and seek food, water, and shelter. While the instinct to help is strong, maintaining a safe distance is crucial for your safety and theirs. Distressed wild animals can behave unpredictably, and direct contact can be harmful. Here are several ways to offer support from a distance, ensuring the safety of both you and the wildlife.
- Provide fresh water and food: Many wild animals struggle to find clean water and food post-floods—placing small dishes of fresh water, birdseed, or nuts can be beneficial.
- Create safe spaces: Setting up brush piles or covered areas can offer temporary refuge for displaced wildlife.
- Avoid handling wild animals: Even if they appear distressed, direct interaction can be risky for both parties. Report injured wildlife to licensed rehabilitators instead.
- Remove hazards: Clear flood debris like plastic, fishing lines, and netting to prevent animals from getting trapped or injured.
6. Supporting Recovery through Donations and Volunteering
As Eastern Kentucky works towards recovery and rebuilding after the recent storm, local communities display resilience in the face of adversity. According to Governor Andy Beshear, “This support will be a significant aid for our families and communities as they recover and rebuild from yet another devastating storm. Just like before, we will overcome this together. I assure you that we will stand by until every life and structure is restored.”
Here are ways to contribute to disaster relief efforts in Eastern Kentucky:
- Team Kentucky Storm Relief Fund: A state-established fund to aid survivors and funeral expenses.
- Foundation for Appalachian Kentucky’s Crisis Aid Fund: Accepting donations online or at 420 Main Street, Hazard, KY 41701. The foundation also provides a resource spreadsheet for Eastern Kentucky.
- Housing Development Alliance: Raising funds for home repairs and rebuilding post-flooding in Kentucky.
- Kentucky Community and Technical College