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Are You Prepared for the Unexpected?

Are You Prepared for Although you cannot fully prepare for every situation, you can definitely increase your chances of successfully weathering many of life's unexpected challenges. THE UNEXPECTED? Someday, you may be affected financially, go through a natural or manmade disaster, or have a family medical emergency. The following information should help you identify some of your greatest risks and find resources to help you prepare for many different situations. EARTHQUAKES 70-75 damaging earthquakes occur each year worldwide. All 50 U.S. states are vulnerable to earthquakes. $200 billion in losses can occur from a major earthquake in a highly populated US. area. LANDSLIDES 37.4 landslides that caused fatalities per year worldwide. 770 people killed worldwide. WILDFIRES 1.2 million acres of U.S. woodland TSUNAMIS burn every year. 21 damaging tsunamis were recording between 1990-1999. 4 out of every 5 wildfires are caused by people. In 2009, there were 78,792 wildfires with 5,921,786 acres burned. Although the average number of tsunamis have fluctuated over a century, the number of these storms that have done serious damage have steadily increased. Natural Disasters THUNDERSTORMS AND LIGHTNING 300 people die on average in the U.S. each year. FIRES 80 injuries occur each year. Many Fires Can Be Prevented FLOODS Leading Cause of Fire in 2009 Leading Cause of Fire Deaths in 2009 Cooking: 164,900 fires Heating: 50,200 fires Other Unintentional, Careless: 410 deaths #1 most common natural disaster. Smoking: 360 death. $48,000 is the average flood insurance claim paid from 2001-2010. Before 2008, smoking was the leading cause of fire death. $600/year is the cost of the average flood insurance policy. YEAR FIRES DEATHS INJURIES DOLLAR LOSS 2005 376,500 2,895 13,375 7,136,600,000 2006 BLACKOUTS 392,700 2.490 12,550 7,072,000,000 2007 The biggest Blackout in U.S. history occurred on August 14, 2003, leaving roughly 50 million people without power. 390,300 2,765 13525 7,405 500,000 2008 378,200 2,650 13,100 7,993,000,000 2009 356,200 2,480 12,600 7,259,800,000 Most Common Disasters FLOOD O HURRICANE ТҮРНОON O) TORNADO By Region ) FIRE EARTHQUAKE SEVERE ICE STORM OTHER Severe storms are the most FREEZING SNOW common disaster in all regions cited by FEMA. These are the other most common disasters after severe storms. FEMA REGION 10 Disaster rating factors include frequency, severity of damage, and size of area affected. FEMA REGION 1 FEMA REGION 5 2. WA VT FEMA REGION 2 MT ND MN NH FEMA REGION 9 OR 10 WI NY MA SD WY RI PA NE IA NU NV IN UT CO KS MO FEMA REGION 3 NC TN 1. AZ OK AK NM FEMA REGION 8 MS AL GA TX FEMA REGION 4 FEMA REGION 6 FEMA REGION 7 Where the Big Ones Are 1. From 1980 to August 2011, the South and Southeast have been through more $1 billion (or costlier) disasters than other U.S. regions. 33-40 such storms: Texas, Oklahoma, North Carolina, Tennessee, Georgia, Alabama, and Mississippi. From 1980 to 2010, there were 99 weather related disasters in the U.S. that exceeded $1 billion for each 25-32 such storms: Virginia, Kentucky, South Carolina, Florida, Louisiana, Arkansas, Missouri, and Kansas. event. Manmade Disasters Job Loss Medical Emergencies In modern times, manmade disasters can strike anywhere at any time. Possibilities include: 9.1% current unemployment rate. 14 million unemployed persons. 123.8 million visits to the ER each year. 424 million injury-related ER visits each year. • Radiation emergencies • Chemical emergencies • Terrorism 13% of ER visits resulting in hospital admission. 8.8 million involuntary part-time workers. 1,624 extended mass layoff events in second quarter 2011 5,811,000 people in U.S. involved in motor vehicle accident in 2008. • Bioterrorism • Mass casualty events 261,346 worker separations were involved in these layoff events. While all government disaster preparedness websites have manmade disaster tips, bt.cdc.gov tells you how to put together a radiation survival kit. How to Prepare NATURAL AND MANMADE DISASTERS Talk to your insurance agent to make sure you have It is a good idea to get direct deposit for any Government disaster a policy that covers your risks and type of income checks. That way, you have one less issue to deal with if you ever have disaster-related property preparation websites suggest having a family emergency and communication plans and a survival kit. concerns. damage or need to relocate. • Things you can find on fema.gov: Emergency/survival kit - Risk assessment tools • Things you can find on Ready.gov: • Things you can find on bt.cdc.gov: - Basic emergency/survival kit - Basic planning Pet planning tips Natural and manmade disaster preparedness Regional disaster maps - Basic planning - Pet and livestock planning tips Natural and manmade disaster preparedness and response Natural disaster preparedness and response - More extensive manmade disaster preparedness and response - Survival kit information for radiation related and response disasters - Property protection preparation JOB LOSS To prepare for a potential job loss, most financial experts suggest saving 6 months worth of expenses in an emergency fund. Some experts Maintain a good If you cannot afford to save a large amount all at once, build by saving a designated amount monthly. Even if you cannot afford much, a little is better than nothing. network of contacts at all times. A strong network improves your recommend saving 1 year's worth of expenses. This fund should be kept separate from other goals and expenses. chances (but does not guarantee) of finding new employment. MEDICAL EMERGENCY GENERAL: This list is not exhaustive, but gives you some basic, helpful tips. Keep a first-aid kit ready and-- accessible. This is really about preparation, but obviously, the most important thing to do is call 911. To prepare for such emergencies, you can take basic first aid, CPR, or a certified first responder course. However, information learned in the course does not substitute for advanced medical care, but should only be used until the victim can get care from certified medical professionals. Create a document containing your family members' medical information/history in Keep your doctor's phone number on you and easily accessible, so they can be reached if you are unconscious. Get familiar with your local hospitals. case of an emergency. You can also use a system such as Medicfile.net, which is a personal online record of your critical emergency medical information. FINANCIAL Keep medical insurance. If your current plan is not enough, consider getting supplemental Consult your insurance agent about health, life, disability, and other health/life related policies. There can be many limitations with insurance, especially disability, so make sure to discuss these with your agent. It may be a good idea to discuss long-term care insurance insurance. as well SOURCES: TM U.S. Fire Administration National Fire Data Center (USFA) Federal Emergency Management Agency (FEMA) Department of Homeland Security (DHS) Community Emergency Response Teams (CERT) American Geophysical Union (AGU) National Geophysical Data Center (NOAA) Bureau of Labor Statistics (BLS) CreditDonkey Center for Disease Control (CDC) U.S. National Highway Safety Traffic Administration (NHTSA)

Are You Prepared for the Unexpected?

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Daily, we face the risk of natural and manmade disasters, job loss and medical emergencies. Unfortunately, many Americans have no plans in place regarding these unexpected disasters. This increases th...

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