Instructions On How To Apply For Approval: Fill & Download for Free

Insurance! Several others have answered this question well for other requirements, so I’ll just focus on insurance -Insurance Requirements for SBA Loans - The Bunker VaultThe CARES Act for Small BusinessesThe CARES (Coronavirus Aid, Relief and Economic Security) Act is a stimulus bill providing $2 Trillion of desperately needed economic relief, some of which is going to small businesses as they navigate the Coronavirus (COVID-19) pandemic. There are two programs in the CARES act, specifically focused on providing economic stimulus for small businesses. The programs provide loans through the Small Business Administration (SBA), some of which may be forgivable.The two programs are:Paycheck Protection Program (aka PPP) // $359 Billion availableEconomic Injury Disaster Loan (aka EIDL) // $10 Billion AvailableSince 1953, Entrepreneurs across the US have utilized the SBA to help fuel the building of their business dreams. From restaurants and coffee shops, to general contractors and family-run corner stores, small businesses in virtually every sector of our economy utilize SBA supported loan programs, accounting for billions in capital each year.In the next ~90 days, the SBA will likely lend more money than they have in the past decade.This is a once in a generation Black Swan Situation, and all small businesses impacted by the Coronavirus / COVID-19 are strongly encouraged to apply. As mentioned above, some of the loans may be forgivable to the borrower if the proceeds are used for payroll, rent, and other necessities. Keeping individuals employed is critical to maintaining a support system for the people who make our businesses and our economy flourish. We’ve put together a list of resources to provide more information on the loans and insurance coverage available to your business on our Coronavirus Resource Page.Getting a CARES Act LoanA critical step in the application process to obtain an SBA backed loan is providing ‘Proof of Insurance,” or a “Certificate of Insurance” that meets the SBA Insurance Requirements. Like most insurance requirements, they’re lengthy, technical, and confusing. We’ve heard countless stories already from small businesses who’ve gotten hung up on this stage of the application process, and discouraged from continuing. We don’t want insurance to become a barrier to businesses getting the stimulus that they need in these challenging times. Below, you’ll find a quick breakdown of the requirements, and instructions for making sure that your Certificate of Insurance checks all of the boxes.SBA Loan Insurance RequirementsWhile requirements vary by business type and loan size, these are the coverages the SBA typically requires. In the next section, you’ll find a guide to help you determine which policies you’ll be required to carry.Property InsuranceYou’ll likely need to have some level of property insurance, depending on what type of property your business has. If your business owns ‘real property’ (a.k.a. real estate), it may be used as collateral for the loan. In this case, you’ll need to have replacement coverage for various perils like wind, hail, earthquakes, floods, etc. Even if you don’t own real property, every business will need coverage for business personal property, or BPP – at full replacement cost. The majority of the time your property insurance can be obtained through a Business Owners’ Policy (BOP), or a Standard Package.General Liability InsuranceEvery SBA loan will require General Liability Insurance (GL). The good news is that General Liability can be found in every BOP or Standard Package policy. Depending on the GL limit required, it might be more affordable to purchase a BOP or Standard package policy with lower limits, and add an Umbrella Liability Insurance policy to raise the limits on your General Liability Insurance. If you’d like to consult an insurance advisor to see which option is best for you, Reach out anytime! Email [email protected] or give us a call at (877) 968-9108.Product Liability InsuranceIf your business sells a product, the SBA may require product liability insurance. You’ll likely already have Product Liability Insurance if you’ve gotten a contract with any retailer or distributor in the past. (And requirements aside, it’s an important coverage for any business selling a product!) Product Liability is sometimes sold as its own policy, but typically it will be part of your General Liability policy. Pricing will vary based on 1) What you sell, and 2) how much of it you sell.Professional Liability InsuranceIf your business provides a service (e.g. consulting, engineering, design, etc.), the SBA will likely require that you have a professional liability or ‘errors & omissions (E&O)’ policy. Professional Liability policies are easy to find, and can often be tailored to your specific industry. Pricing will vary based on the services you provide.Liquor LiabilityThe hospitality industry has been one of the hardest-hit by the Coronavirus pandemic. Many of the bars, restaurants, concert halls and other businesses that were forced to close will need to take advantage of SBA loans under the CARES Act in order to reopen at all. If you’re one of these businesses – and serve alcohol – you’ll need liquor liability insurance. This is typically an extension of the General Liability coverage, but can also be purchased separately.Workers’ CompensationBarring a few specific exceptions, if you have employees you’ll need to carry Workers’ Compensation Insurance. The SBA will need to make sure that you have current coverage that at least meets your state’s requirements. Workers’ Compensation can be easily obtained, and is sometimes even provided by your payroll provider. In a few states (OH, WA, SD, and WY, for example), you’re required to purchase Workers’ Compensation through your state’s insurance exchange.Life InsuranceThis is often known as “Key-Person Life Insurance,” and the SBA nearly always requires it. If something happens to the founder and/or managers of your business, this policy will pay out with the SBA as a beneficiary.Breaking down the SBA Insurance RequirementsBelow is a guide to figuring out what your specific business will be required to carry. You’ll received more detailed information from your lender when you begin the application process. For guidance from licensed insurance advisors, email your specific insurance requirements to [email protected], and we’ll make sure you have everything you need.EVERYONEGeneral Liability Insurance – Limits vary by businessProperty Insurance – Full Replacement Cost. Must contain a ‘Lender’s Loss Payable Clause’ in favor of lender (SBA)Life Insurance – Limits depend on the amount and type of other collateral availableIf you have EMPLOYEESWorkers’ Compensation – At least meeting statutory LimitsIf you own REAL ESTATEProperty Insurance – Must contain a ‘Mortgagee Clause’ in favor of lender (SBA)If you sell PHYSICAL PRODUCTSProduct Liability Insurance – Limits vary by productIf you provide a SERVICEProfessional Liability Insurance – Sometimes referred to as ‘Errors & Omissions (E&O) or Malpractice InsuranceIf you sell ALCOHOLLiquor Liability Insurance – Often sold as part of your General Liability Insurance Policy.Other Potential RequirementsFlood Insurance – If your business is located in a special flood hazard area, you may have additional requirements based on the Standard Flood Hazard DeterminationHazard Insurance – If loan proceeds will finance existing or new improvements on a leasehold interest in land, the lease must include Lender’s (SBA) or Assignee’s right to hazard insurance proceeds resulting from damage to improvementsMarine Insurance – If a vessel is collateral on the loan, you’ll need coverage in the amount of the full insurable value of the vessel(s) with the lender (SBA) designated as ‘Mortgagee.’Where do I Get it?The best way to know that you have the exact coverage that the SBA Requires is to work with a licensed advisor to build a policy tailored to your business needs. That way, you’ll know you have the right coverages, limits, endorsements, and additional specifications on the first try. For example, it’s likely that the SBA or lender will need to be listed as an Additional Insured and/or Certificate Holder, requiring a brand new Certificate of Insurance even if you have the correct policies in place. Bunker’s team of advisors actively work with you and your lender to ensure your certificate of insurance meets all of SBA’s requirements for your specific business.If you already have an agent or broker you’re working with, make sure you’re specific about your business and the SBA requirements. Make sure to get a copy of the exact requirement from your lender or the SBA, as they may vary by loan type.

How to Get Money to Start a Business – 8 Startup Financing OptionsEvery year, hundreds of thousands of Americans launch their own businesses. According to the U.S. Small Business Administation (SBA), in 2010, there were 27.9 million small businesses in the U.S. The majority of these – more than 75% – were identified by the government as “non-employer” businesses, meaning that the owner is the only person working at the business.The odds of success are long. Only about half of new businesses survive for five years, and only a third remain in operation after 10 years. Despite this, a small percentage mature into stable small- to mid-sized businesses, while a microscopic fraction becomes the stuff of legends – like Apple or Hewlett-Packard, companies born in garages that ultimately ascended to the highest ranks of American business.Before your business can have any hope of becoming a legend (or even just profitable), you need to find a way to finance its birth. The SBA states that in 2009, the Ewing Marion Kauffmann Foundation estimated the average cost of starting a new small business in the U.S. to be about $30,000. To estimate what it will cost to launch your business, check out an online startup cost calculator, such as the one provided by Entrepreneur.com. While the number may seem shockingly high, today’s entrepreneurs have a wide range of options when it comes to financing startups.»You may like: 12 Simple Costs to Cut in Your Life Now for $12,963 in Annual SavingsWays to Raise Money for Your New Business1. Self-FinancingWhile self-financing your startup can be relatively easy, it comes with a big downside: You’re entirely on the hook if the venture doesn’t pan out. Still, it can be an attractive option, and if you’re in the position to get the needed funds from your own reserves, there are a variety of ways you can go about it.Tap Personal SavingsTapping your own piggy bank is the easiest way to finance a small business. Whether the money comes from your checking account, a family inheritance, or funds sitting in an old money market account, using your own cash is not only popular but also demonstrates a business owner’s commitment to other potential investors, which can ultimately help win additional funding from third parties.Sell Personal AssetsPerhaps you own real estate, stocks, bonds, or valuable family heirlooms that you are willing to sell in order to raise cash to fund your business. Selling assets for cash is a time-tested way to raise money, but there can be tax implications linked to selling certain assets, especially real estate and stocks. Be certain to take that into account before you take the plunge; otherwise, you might find yourself facing an unexpected capital gains tax from the IRS.Take On A Side GigYou can start a side gig and use the money you earn for your new business venture. You could sign up with Turo and start sharing your car. Or you could become a delivery driver for DoorDash. While most side gigs aren’t going to fund your business immediately, the income you earn can add up quickly.Use Credit CardsCredit cards can provide a quick and easy way to finance the purchase of items needed to launch a business. It is important to remember, though, that credit cards also come with hefty interest rates for balances that remain unpaid at the end of the month. As of April 2015, interest rates on unsecured credit cards range from about 13% to 22% for those with fair to good credit scores. However, if you miss a payment, that rate can zoom as high as 29%.It may be difficult to keep up with payments in the months before your business generates enough revenue to start paying down the debt. If you do plan to use credit cards to fund your small business startup, it’s best to use cards offering rewards or cash-back programs for business purchases. Also, if you plan to borrow the money for a short period – 18 months or fewer – look for credit cards with a low or 0% introductory annual interest rate (APR).Borrow Against Your HomeIf you own a home, you can borrow against the equity in the property. Home equity lines of credit (HELOCs) from someone like Figure.com and home equity loans (HELs) are popular ways to access your home’s value. However, since the financial crisis, lenders have significantly tightened the restrictions on such loans and lines of credit.Many lenders require borrowers to retain at least a 20% ownership stake in the home – the difference between its value and any mortgages or loans still owed on the property – after the transaction is completed. For instance, say you wanted to take a $30,000 loan against a home valued at $300,000. In order for you to retain at least a 20% equity stake ($60,000) in the home after the new loan, the total post-loan debt on the house would have to be less than $240,000; subtracting the $30,000 loan from $240,000 means the existing mortgage on the house – prior to the loan – could not be more than $210,000.With a HEL, you borrow a fixed amount with defined repayment terms under fixed or variable interest rates. There are usually closing fees for HELs.On the other hand, a HELOC allows you to borrow up to a specified sum as needed, paying interest only on the amount actually borrowed. HELOCs usually don’t have closing fees, though interest rates normally remain adjustable during a fixed period after the money is drawn.Take Out a Bank LoanIf credit card interest rates scare you and you don’t own a house, you can try to persuade the bank to lend you the money to start your business. Personal bank loans come with lower interest rates compared to credit cards – currently between 6% and 13%, depending on your credit history.However, they can be more difficult to obtain in the absence of collateral (such as real estate or a paid-off automobile) to secure the loan. If you have no collateral, or if your credit score isn’t very high, you can boost your chances of getting a bank loan by finding a co-signer, someone with good credit who agrees to be responsible for the debt if you default.If a traditional bank isn’t what you’re looking for you can get a personal loan from a lender like SoFi. SoFi offers personal loans without any fees. Most companies will charge an origination fee but not SoFi. You just pay interest on the loan and you can choose repayment periods of 2-7 years.Cash in Retirement AccountsWhile the funds in your IRA or 401k might look like a tempting source of cash, there can be very steep penalties for early withdrawals. However, some financial advisors promote a plan that claims to permit individuals who are planning to launch a new business to potentially avoid those penalties.Supposedly, this can be done by rolling over funds in an existing 401k plan into a new 401k plan created by a C corporation. The owner of the new company can then invest the 401k funds in company stock, thus freeing the money to be used to finance the business. Known as ROBS (rollover for business startup), these plans are popularly promoted online, especially by those hawking franchising opportunities.While the IRS has not declared ROBS plans explicitly illegal under U.S. tax laws, IRS officials say that they often fail to comply with other tax rules, including the Employee Retirement Income Security Act (ERISA). Setting up a fully compliant ROBS plan can be complicated and costly, and can result in significant penalties if the IRS disagrees with its level of compliance. ROBS plans remain very controversial, and many financial professionals consider them extremely risky and likely to provoke an audit.An alternative to ROBS plans is taking a loan out against the balance of your 401k. Many 401k plans have some form of loan option that permits you to borrow as much as 50% of the balance (usually up to a ceiling of $50,000). 401k loans normally must be repaid within five years.Note that during the time of the loan, any money borrowed from your 401k is not earning interest along with the remaining the balance. Moreover, if you miss a payment (or if you can’t repay the loan at all), you will be hit with heavy penalties. Retirement accounts should be considered as a source of startup financing only if all other potential sources have already been tried.2. Friends and FamilyIf you can’t tap your own piggy bank, or if your credit score isn’t good enough to convince a bank to lend you money, you can always turn to the people who know you best. Family members and friends can be easier to persuade than anonymous bank officials. They are also more likely to look past your current account balances and credit score when determining whether you are worth the risk of extending a loan. Moreover, they are less likely to demand stringent repayment terms or high interest rates – and in the case of family members, you may escape interest rates altogether.Borrowing from a personal friend or family member is a very popular option. In fact, a 2015 survey by Pepperdine University found that 68% of responding small businesses used financing from the owners’ friends and family.Needless to say, borrowing from friends and family comes with its own set of risks. If the venture fails, or if it takes much longer than anticipated to repay the loan, your relationships can suffer. If you default on a credit card or bank loan, you don’t have to sit down to Thanksgiving dinner with the loan officer or credit card company. If you fail to pay back Aunt Sally, you may never hear the end of it.Few things can complicate friendly or familial relationships like misunderstandings over money. If you decide to borrow from those close to you, make sure that you have all the terms of the loans clearly written out. That includes how much is to be borrowed, the amount of interest charged, and the timetable for repayment.3. Small Business Administration (SBA) LoansCreated by Congress in 1953, the SBA doesn’t lend directly to small businesses. Instead, the SBA offers a variety of guaranty programs for loans made by qualifying banks, credit unions, and nonprofit lenders.Despite the lingering effects of the economic crisis and recession, the SBA says that its loan programs are experiencing “unprecedented growth.” According to the SBA, in fiscal 2014, the number of 7(a) loans extended to small businesses jumped 12% over the prior year, while the dollar value of those loans increased 7.4% over fiscal 2013.7(a) Loan ProgramThese loans are a very common means of funding small businesses, and can be used to launch a new business or expand an existing business. There is no minimum 7(a) loan amount, though the SBA states that the program won’t back a loan of more than $5 million.The SBA says that in 2016, the average 7(a) loan amount was about $375,000. For loans up to $150,000, the SBA may guarantee a maximum of 85% of the loan; that falls to 75% for loans above $150,000. The repayment terms state that all owners of the prospective business that have at least a 20% stake in the venture are expected to personally guarantee the loan’s repayment. Furthermore, according to the outline of the use of 7(a) loan proceeds, 7(a) loans cannot be used to repay delinquent taxes, finance a change in business ownership, “refinance existing debt where the lender is in a position to sustain a loss and SBA would take over that loss through refinancing,” or repay equity investments in the business.Businesses that qualify for a 7(a) loan must comply with SBA standards. If one of partners in the business – with a 20% or greater equity stake – is “incarcerated, on probation, on parole, or has been indicted for a felony or a crime of moral depravity,” the SBA won’t back the loan. Not surprisingly, the SBA also does not back loans to businesses that have previously reneged on any other government loan.Other restrictions also apply. 7(a) loans are not extended to business that lend money (though pawn shops can sometimes qualify), businesses that are based outside the U.S., entities that generate more than a third of revenue from gambling, businesses that “engaged in teaching, instructing, counseling, or indoctrinating religion or religious beliefs,” and companies “engaged in pyramid sale distribution plans, where a participant’s primary incentive is based on the sales made by an ever-increasing number of participants.”There are also specialized loan packages offered under the 7(a) umbrella, including the SBA Express Program, which offers a streamlined approval process for loans of up to $350,000.Interest rates on 7(a) loans depend on the lender, the size of the loan, and the borrower’s credit history. However, the SBA sets caps on the maximum spread a lender can add to the loan’s prime rate. For loans greater than $50,000 that mature in seven years or less, the spread is limited to 2.25%; that rises to 2.75% for loans over $50,000 that mature in more than seven years. If the current prime rate is 3.25%, loans above $50,000 that mature in under seven years could come with interest rates as high as 5.5%, while loans greater than $50,000 that mature in less than seven years might features interest rates as high as 6%.The SBA allows lenders to charge a higher spread for 7(a) loans less than $50,000 – between 3.25% and 4.75%, depending on the size of the loan and its maturity period. With the current prime rate, loans under $25,000 may have interest rates as high as 7.5%, if they mature in less than seven years, and as high as 8%, if they mature in more than seven years. Loans between $25,000 and $50,000 may have interest rates as high as 6.5%, if they mature in less than seven years, and as high as 7%, if they mature in more than seven years.There are no fees on 7(a) loans less than $150,000. For loans greater than that amount that mature in one year or less, the SBA set a fee of 0.25% of the portion of the loan it guarantees. A fee of 3% is set on the portion guaranteed by the SBA on loans of between $150,000 and $700,000 that mature in more than one year. That rises to 3.5% for similar loans over $700,000. These fees are paid by the lender, but can be included in the borrower’s closing costs.7(a) loans are repaid in monthly payments that include both principal and interest. Interest-only payments are permissible during a business’s startup and expansion phases, subject to negotiation with the lender.While SBA-backed 7(a) loans are a popular vehicle for small businesses, lenders are much more likely to offer them to existing businesses that have several years of financial paperwork to demonstrate their viability.

Yes. Nine years ago we wrote the Mt. Airy Emergency Operations Plan. It has been tested and updated and used in 3 events since then.Emergency Operations PlanMount Airy, MarylandTown Hall is located in downtown Mount Airy at 110 South Main Street, Mount Airy, MD 21771301 829 1424301 831 5768410 795 6012301 829 1259 faxAPPROVAL AND IMPLEMENTATIONTown of Mount Airy, MarylandEmergency Operations PlanThis emergency operations plan is hereby approved. This plan is effective immediately and supersedes all previous editions.Mayor DateTown Administrator DateRECORD OF CHANGESChange #Date of ChangeChange Entered ByDate EnteredTown Hall located at 110 South Main Street, Mount Airy, MD 21771EMERGENCY PHONE NUMBERSAMBULANCE/FIRE/POLICE 911FEMA (Federal Emergency Management Agency) 1-202-646-4600Statewide Emergency NumberPoison Control Center 1-800-492-2414Chemical Spills 1-800-424-8802American Red CrossFrederick County 1- 301-662-5131Carroll County 1- 410-848-4334Fire/Rescue Services Frederick County 1- 301-600-1536Fire/Rescue Services Carroll CountyFrederick County Health Department 1-301-600-1029 (Urgent Calls) 1-301-600-1603Carroll County Health Department 1-410-857-5000Frederick Memorial HospitalGeneral Information 1-240-566-3300Emergency Room 1-240-566-3500Carroll Hospital CenterGeneral Information 1-410-876-3000Emergency Room 1-410-871-7186 TTYAllegheny Power 1-800-296-6460Baltimore Gas and Electric 1-410-685-0123Oil CompaniesTevis Oil 410-848-2200Voneiff Oil 301-829-0244Carroll Fuel 410-848-4477Southern States 410-848-9420Maryland Labor Department 1-866-487-9243Maryland Occupational Safety and Health 1-301-791-4600Maryland State Police - Westminster Barracks 1-410-386-3000Maryland Workers Compensation Commission 1-800-492-0479Frederick County Sheriffs Office 1-301-600-1046Non-Emergency 1-301-600-2071Carroll County Sheriffs Office 1-410-386-2900MAVFC, Non –Emergency 301-829-0100Carroll County Humane Society 410-848-4810Frederick County Humane Society 301-600-1546/1544TABLE OF CONTENTSAPPROVAL AND IMPLEMENTATION. iiRECORD OF CHANGES. iiiI. PURPOSE. 1II. EXPLANATION OF TERMS. 1A. Acronyms. 1B. Definitions. 2III. ASSUMPTIONS. 4IV. CONCEPT OF OPERATIONS. 5A. Objectives. 5B. General. 5C. Operational Guidance. 6D. Incident Command System (ICS) 7E. Incident Command System (ICS) — Town Command Center (TCC) Interface. 9F. State, Federal, and Other Assistance. 10G. Emergency Declarations. 10H. Activities by Phases of Emergency Management. 14V. ORGANIZATION AND ASSIGNMENTS OF RESPONSIBILITIES. 15A. Organization. 15B. Assignment of Responsibilities. 15C. Response Operations Functional Responsibilities. 18VI. DIRECTION AND CONTROL. 20A. General. 20B. Emergency Facilities. 20C. Continuity of Government. 21VII. EVACUATION. 22A. Evacuation. 22B. Evacuation Situation. 22C. Evacuation Assumptions. 23D. Concept of Operations. 24VIII. ADMINISTRATION AND SUPPORT.24A. Agreements and Contracts. 24B. Records. 24C. Consumer Protection. 25D. Post-Incident and Exercise Review.. 25IX. PLAN DEVELOPMENT AND MAINTENANCE. 25A. Plan Development. 25B. Distribution of Planning Documents. 26C. Review.. 26D. Update. 26X. APPENDICES. 26Distribution List. 27Town Contact List. 28Assignment of Town Responsibilities. 29Carroll County EOP Annex Assignments. 32BASIC PLANI. PURPOSEThe purpose of this Emergency Operations Plan (EOP) is to define the actions to be taken by Town Mount Airy, MD (hereafter referred to as Town) officials, in coordination with Carroll County, Frederick County, State of Maryland, federal agencies and other nongovernment organizations in the event of a significant disaster or emergency within the corporate limits of Mount Airy. This plan is intended to work in conjunction with the Carroll County (hereafter referred to as County) EOP and its more specific functional annexes. This plan establishes the overall roles and responsibilities for emergency operations, as well as the concept of operations for the Town. It is intended to be used in conjunction with established operational procedures, plans and protocols.II. EXPLANATION OF TERMSA. AcronymsBOCC Board of County Commissioners of Carroll CountyCCSO Carroll County Sheriff’s OfficeDOD Department of DefenseDOE Department of EnergyECC Emergency Communications CenterEMAC Emergency Management Assistance CompactEOC Emergency Operations CenterEOP Emergency Operations PlanEPA Environmental Protection AgencyEPI Emergency Public informationFEMA Federal Emergency Management AgencyHHS Health and Human ServicesIA Individual AssistanceIC Incident CommanderICP Incident Command PostICS Incident Command SystemJIC Joint Information CenterLWP Local Warning PointMEMA Maryland Emergency Management AgencyMEMAC Maryland Emergency Management Assistance CompactNCP National Contingency PlanNDMS National Disaster Medical SystemNIMS National Incident Management SystemNRF National Response FrameworkOPSSS Office of Public Safety Support ServicesOSC On-Scene CommanderPA Public AssistancePDA Preliminary Damage AssessmentSBA Small Business AdministrationSOG Standard Operating GuidelineSOP Standard Operating ProcedureTCC Town Command CenterB. Definitions1.Emergency Management Assistance Compact (EMAC)A congressionally ratified organization that provides form and structure to interstate mutual aid.2.Emergency Operations Center (EOC)Specially equipped facilities from which government officials exercise direction and control and coordinate necessary resources in an emergency situation.3.Emergency Operations Plan (EOP)A plan put into effect whenever a crisis, man-made or natural, disrupts operations, threatens life, creates major damage, and occurs within or nearby the community.4.Emergency Public Information (EPI)Emergency information that is disseminated to the public before, during, or after an emergency or disaster.5.Emergency Situation (See the County EOP for further information).As used in this plan, this term is intended to describe a range of situations, from an incident to a major disaster. It includes the following:a.Event- any large-scale emergency, disaster or planned activity that results in the implementation of the Incident Command System (ICS) or Emergency Operations Center (EOC) to manage County resources and command/control activities. An event may include, but is not limited to, tornado, tropical storm, severe thunderstorm with flash flooding, influenza outbreak, large public gathering or public festival.b.Incident - situation that is limited in scope and potential effects.c.Emergency - a situation larger in scope and more severe in terms of actual or potential effects than an incident.d.Disaster - the occurrence or threat of significant casualties or widespread property damage that is beyond the capability of the local government to handle with its own resources.6.Hazardous MaterialA substance in a quantity or form posing an unreasonable risk to health, safety, or property when manufactured, stored, or transported. The substance, by its nature, containment, and reactivity, has the capability for inflicting harm during an accidental occurrence. It can be toxic, corrosive, flammable, reactive, irritative, or strongly sensitizing, and poses a threat to health and the environment when improperly managed. Hazardous materials include toxic substances, certain infectious agents, radiological materials, and other related materials such as oil, used oil, petroleum products and industrial solid waste substances.7.Join Information CenterCentral location where Public Information Officers (PIOs) representing agencies or jurisdictions during an emergency gather to coordinate the content of information to be conveyed to the public.8.Inter-local agreementsArrangements between governments or organizations, either public or private, for reciprocal aid and assistance during emergency situations where the resources of a single jurisdiction or organization are insufficient or inappropriate for the tasks that must be performed to control the situation. Commonly referred to as a mutual aid agreement.9.Local Warning Point (LWP)A facility in a city, County, town or community that receives warnings and activates the public warning system in its jurisdictional area of responsibility.10.Maryland Emergency Management Assistance Compact (MEMAC)An intrastate assistance compact among local political subdivisions within the State of Maryland.11.National Contingency PlanThe federal government's plan for responding to both oil spills and hazardous substance releases.12.National Disaster Medical System (NDMS)A federally coordinated system that augments the Nation's medical response capability.13.National Incident Management System (NIMS)A system mandated by Homeland Security Presidential Directive (HSPD) - 5 that provides a consistent nationwide approach for federal, state, local and tribal governments, the private-sector and nongovernmental organizations to work effectively and efficiently together to prepare for, respond to, and recover from domestic incidents, regardless of cause, size or complexity.14.National Response Framework (NRF)Part of the National Strategy for Homeland Security that presents the guiding principles enabling all levels of domestic response partners to prepare for and provide a unified national response to disasters and emergencies. Building on the existing National Incident Management System (NIMS) as well as the Incident Command System (ICS), the NRF coordinating structures are always in effect for implementation at any level and at any time for local, state, and national emergency or disaster response.15.On-Scene-Coordinator (OSC)The federal official responsible for providing access to federal resources and technical assistance and coordinating federal containment, removal, and disposal efforts and resources during an oil or hazardous material incident.16.Standard Operating Guide (SOG)A statement written to guide the performance or behavior of departmental staff, whether functioning alone or in groups.17.Standard Operating Procedure (SOP)Approved method for accomplishing a task or set of tasks. SOPs are typically prepared at the department or agency level.18.Town Command Center (TCC)The location where Town officials provide direction and control for local response to an emergency or disaster.19.Unified CommandIncident Commanders representing agencies or jurisdictions that share responsibility for the incident manage the response from a single Incident Command Post. This allows agencies with different legal, geographic, and functional authorities and responsibilities to work together effectively without affecting individual agency authority, responsibility or accountability.III. ASSUMPTIONSA.Since most of the Town is located within Carroll County, with only a small residential area lying within Frederick County, the Town will follow its’ normal process and seek assistance from Carroll County before seeking assistance from Frederick County.B.Most emergency situations will be handled routinely by the normal responding emergency service agencies.C.In the event of a significant disaster or emergency, the immediate response priority will be to protect public health and safety, preserve the environment and protect public and private property.D.Disasters and emergencies can periodically occur within the Town that may require the mobilization and reallocation of Town resources.E.Certain emergencies or disasters will occur with enough warning that appropriate emergency notifications will be made to ensure some level of preparedness. Other emergencies or disasters will occur with little or no warning.F.The Town’s main responsibility will be to commit available Town resources to save lives and minimize property damage in coordination with the County.G.For most emergencies or disasters, the Mount Airy Volunteer Fire Company, Resident State Trooper or Carroll County Sheriff’s Office (CCSO) will be the first responders and will implement initial incident command.H.Assistance may be available through mutual aid from nearby jurisdictions, including Frederick County, , the Maryland Emergency Management Assistance Compact (MEMAC), the Emergency Management Assistance Compact (EMAC), the National Disaster Medical System (NDMS), and Federal Emergency Management Agency (FEMA).I.Town residents and businesses can expect to use their own resources and be self-sufficient for at least three days following a significant disaster event.J.The effects of a disaster or emergency will likely extend beyond the Town boundaries. Many other areas of the County may also experience casualties, property loss and disruption of normal support systems.K.Employees of the Town may become casualties and/or experience damage to their home or property.L.Widespread power and communication outages may require the use of alternate methods of providing public information and delivering essential services. Everyday methods of communication may be difficult to use or unavailable due to demand exceeding capacity (i.e. no cell phone service).M.Upon request, the County, state or federal government will provide outside assistance if local capabilities or resources are overwhelmed or exhausted.N.Emergency operations will be managed in accordance with the National Incident Management System (NIMS).IV. CONCEPT OF OPERATIONSA. ObjectivesThe objectives of the Town emergency operations are to protect public health and safety, preserve the environment and protect public and private property.B. General1. The Town is vulnerable to various natural and technological hazards as detailed in the County EOP. The scope and magnitude of these emergencies may vary from minor impact requiring a minimum response to major impact requiring a significant response.2. It is the responsibility of Town and County officials to protect public health and safety and preserve property from the effects of hazardous events. This involves identifying and mitigating hazards, preparing for and responding to emergencies, and managing the recovery from emergency situations that affect the Town.3. It is impossible for government to do everything that is required to protect the lives and property of the population. Citizens of the Town have the responsibility to prepare themselves and their families to cope with emergency situations and manage their affairs and property in ways that will aid the government in managing emergencies. The Town will assist citizens in carrying out these responsibilities by providing public information and instructions prior to and during emergency situations in coordination with the County.4. The Town has limited capability to respond to emergency situations and will rely on the County to respond to significant incidents within the Town. The County maintains a robust emergency management program that includes organizing, training, and equipping local emergency responders and emergency management personnel, providing appropriate emergency facilities, providing suitable communications systems, and contracting for emergency services.5. This plan is based on an all-hazard approach to emergency planning. It addresses general functions that may need to be performed during any emergency situation.6. Town organizations tasked in this plan are expected to develop and keep current SOPs and SOGs that describe how their assigned emergency tasks will be performed.7. This plan is based upon the concept that the emergency functions that must be performed by many Town departments generally parallel some of their normal day-to-day functions. To the extent possible, the same personnel and material resources used for day-to-day activities will be employed during emergency situations. Because personnel and equipment resources are limited, some routine functions that do not contribute directly to the emergency may be suspended for the duration of an emergency. The personnel, equipment, and supplies that would normally be required for those functions will be redirected to accomplish emergency tasks.C. Operational Guidance1.Initial Responsea.The Mount Airy Volunteer Fire Company and local law enforcement are likely to be the first agencies on the scene of an emergency situation. They will normally take charge and remain in charge of the incident until it is resolved or others, who have legal authority to do so, assume responsibility. They will seek guidance and direction from local officials and seek technical assistance from state and federal agencies and industry, where appropriate.2.Implementation of the Incident Command System (ICS)a.The first local emergency responder to arrive at the scene of an emergency situation will implement the ICS and serve as the Incident Commander (IC) until relieved by a more senior or more qualified individual. The IC will establish an incident command post (ICP) and provide an assessment of the situation to Town and County officials, identify response resources required, and direct the on-scene response from the ICP.b.For some types of emergency situations, a specific incident scene may not exist in the initial response phase and the Town Command Center (TCC) or County Emergency Operations Center (EOC) may be activated to accomplish initial response actions, such as mobilizing personnel and equipment and issuing precautionary warning to the public. As the potential threat becomes clearer and a specific impact site or sites identified, an ICP may be established, and direction and control of the response transitioned to the IC.3.Source and Use of Resourcesa.The Town will use their own resources to respond to emergency situations, purchase supplies and equipment, if necessary, and request assistance if the resources are insufficient or inappropriate. The County should be the first channel through which the Town requests assistance when its resources are exceeded.b.The Town Administrator, or designee, will direct all requests for assistance that cannot be addressed through mutual aid to the County OPSSS or the County EOC.c.The following are sources for resources that may be available to the Town in responding to disasters and emergencies:1)Personnel, equipment, and facilities belonging to the Town.2)Resources available from the County and through mutual aid.3)Resources available from the private sector through acquisition/ purchasing.4)Resources of the state of Maryland, including the National Guard.5)Mutual aid available through MEMAC.6)Mutual aid resources from other states through the EMAC.7)Resources available from the federal government under the National Response Framework (NRF).8)Donations, whether monetary, goods or volunteer workers.D. Incident Command System (ICS)1.The Town and County will employ ICS in managing emergencies. ICS is both a strategy and a set of organizational arrangements for directing and controlling field operations. It is designed to effectively integrate resources from different agencies into a temporary emergency organization at an incident site that can expand and contract with the magnitude of the incident and resources on hand.a.The IC is responsible for carrying out the ICS function of command—managing the incident. The four other major management activities that form the basis of ICS are operations, planning, logistics, and finance/administration. For small-scale incidents, the IC and one or two individuals may perform all of these functions. For larger incidents, a number of individuals from different departments or agencies may be assigned to separate staff sections charged with those functions. The chart below depicts the standard ICS organization.2.An IC using response resources from one or two departments or agencies can handle the majority of emergency situations. Departments or agencies participating in this type of incident response will normally obtain support through their own department or agency.3.In emergency situations where other jurisdictions or the state or federal government are providing significant response resources or technical assistance, it is generally desirable to transition from the normal ICS structure to a Unified Command structure. This arrangement helps to ensure that all participating agencies are involved in developing objectives and strategies to deal with the emergency.4.Within the Town, the departments identified in the table below will serve as the primary agency for specific incidents and will assume initial IC role. Depending on the incident type and magnitude, incident command may default to an official of the Mt. Airy Volunteer Fire Company, County Division of Health Services (hereafter referred to as Health Department), Resident State Trooper or the CCSO with support, as needed, from the Town.Designated Departments for Establishing Incident CommandIncident TypeDepartment/AgencyBiological incident (e.g. influenza pandemic)Carroll County Health DepartmentBuilding collapse, construction accidentMount Airy Volunteer Fire CompanyFireMount Airy Volunteer Fire CompanyFloodMount Airy Department of Public WorksHazardous materialMount Airy Volunteer Fire DepartmentHurricane/tropical stormCoordination: Carroll County OPSSSRemediation: Town of Mount AiryMass fatalityDepending on the circumstances, the IC could be from Carroll County Sheriff’s Office, MD State Police or Carroll County Health Department.Nuclear/radiological incidentMount Airy Volunteer Fire CompanyPipeline spill/fire or explosionMount Airy Volunteer Fire CompanyRiots, civil disturbancesCarroll County Sheriff’s Office/MD State PoliceSevere thunderstorms/tornadoesCoordination: Carroll County OPSSSRemediation: Town of Mount AiryTerrorist incidentCarroll County Sheriff’s Office/ MD State PoliceTrain derailmentMount Airy Volunteer Fire CompanyWater distribution/water qualityMount Airy Department of Water and SewerWinter stormCoordination: Carroll County OPSSSRemediation: Town of Mount AiryE. Incident Command System (ICS) — Town Command Center (TCC) Interface1.For major emergencies and disasters, the Town will activate its Command Center, located at Town Hall, 110 S. Main Street, Mount Airy (alternate location is the Mount Airy Maintenance Building). When the TCC is activated, it is essential to establish a division of responsibilities between the ICP and the TCC. A general division of responsibilities is outlined below.2.The IC is generally responsible for field operations, including:a.Isolating the scene.b.Directing and controlling the on-scene response to the emergency situation and managing the emergency resources committed there.c.Warning the population in the area of the incident and providing emergency instructions to them.d.Determining and implementing protective measures (evacuation or in-place sheltering) for the population in the immediate area of the incident and for emergency responders at the scene.e.Implementing traffic control arrangements in and around the incident scene.f.Requesting additional resources from the TCC or County EOC, whichever is appropriate.3.The TCC is generally responsible for:a.Providing Town resource support for the incident command operations.b.Issuing public warnings in coordination with the IC.c.Issuing instructions and providing information to the general public.d.Organizing large-scale evacuations.e.Coordinating with the County, as necessary, to provide shelter and mass care arrangements for evacuees.f.Coordinating traffic control for large-scale evacuations.g.Requesting assistance from the County, state and other external sources through the County EOC.F. State, Federal, and Other Assistance1.State and Federal Assistancea.If Town and County resources are inadequate to deal with an emergency situation, assistance from the state will be requested through the County. State assistance furnished to local governments is intended to supplement local resources and not substitute for such resources, including mutual aid resources, equipment purchases or leases, or resources covered by emergency service contracts.b.Requests for state assistance will be made in accordance with the County EOP.2.Other Assistancea.If resources required to control an emergency situation are not available within the state, the Govenor may request assistance from other states pursuant to a number of interstate compacts or from the federal government through FEMA.b.For major emergencies and disasters for which a presidential declaration has been issued, federal agencies may be mobilized to provide assistance to states and local governments. The NRF describes the policies, planning assumptions, concept of operations, and responsibilities of designated federal agencies for various response and recovery functions.c.FEMA has the primary responsibility for coordinating federal disaster assistance. No direct federal assistance is authorized prior to a presidential emergency or disaster declaration, but FEMA has limited authority to stage initial response resources near the disaster site and activate command and control structures prior to a declaration and the Department of Defense (DOD) has the authority to commit its resources to save lives prior to an emergency or disaster declaration. The Recovery Annex to the County EOP provides additional information on the assistance that may be available during disaster recovery.G. Emergency Declarations1.Non-Declared DisastersThe mayor or Town Administrator may direct Town personnel to respond to emergencies or disasters without a formal declaration of an emergency when the expectation is that Town resources will be used. The Town Administrator, or designee, may redirect and deploy Town resources and assets, as necessary, to prepare for, adequately respond to, and quickly recover from an emergency incident.2.Emergency DeclarationsThere are three types of emergency declarations that may apply to a disaster or emergency within the Town, depending upon the scope and magnitude of the event:a.Local Declaration: A local emergency declaration activates the EOP and provides for the expeditious mobilization of Town resources in responding to a major incident. The County may also declare a local state of emergency that includes the Town for incidents that impact other areas of the County.b.State Declaration: A declaration of an emergency by the Govenor of Maryland provides the Town access to the resources and assistance of the departments and agencies of the state, including the National Guard, in the event local resources are insufficient to meet the needs.c.Federal Declaration: The Govenor may request a federal emergency or major disaster declaration. In the event that the Town is declared a federal disaster area, the resources of federal departments and agencies are available to provide resources and assistance to augment those of the Town, County and the state.3.Local Emergency DeclarationA local emergency is declared when, in the judgment of the mayor, the threat or actual occurrence of an emergency or disaster is of sufficient severity and magnitude to warrant a coordinated response by the various Town departments and for assistance from outside the Town.a.The declaration of a local emergency by the mayor activates the Town Emergency Operations Plan (EOP). A local emergency is declared when, in the judgment of the mayor, the threat or occurrence of an incident is of sufficient severity to warrant a multi-department response by the Town and the need for outside assistance.b.The president of the Board of Commissioners (BOCC) of Carroll County has the authority to declare a local emergency that may include the Town.c.For instances where a resource shortage (e.g. gasoline, heating oil) is substantially or wholly the cause of a local emergency, a local emergency can only be declared by the Govenor based upon the request of the mayor though the County OPSSS.d.When, in their judgment, all emergency activities have been completed, the mayor or town council will take action to terminate the declared emergency.e.A local emergency declaration may be enacted by the mayor for up to seven days. A local emergency may only be extended beyond seven days with approval of the town council.4.State of Emergencya.The Maryland Emergency Management Act, found in the Annotated Code of Maryland, Public Safety Article, § 14-101, et. seq., prescribes the authority and implications of a declaration of a state of emergency by the Govenor.b.The Governor may declare a state of emergency to exist whenever the Governor finds an emergency has developed or is impeding due to any cause. The state of emergency is declared by executive order or proclamation.c.The Governor’s Declaration of a State of Emergency provides for the expeditious provision of assistance to local jurisdictions, including use of the Maryland National Guard.5.Federal Emergency and Major Disaster Declarationsa.Under the provisions of the Robert T. Stafford Act, the Govenor may request the president to declare a major disaster or emergency declaration for incidents that are (or threaten to be) beyond the scope of the state and local jurisdictions to effectively respond.b.A presidential Major Disaster Declaration puts into motion long-term federal recovery programs designed to help disaster victims, businesses, and public entities.c.An emergency declaration is more limited in scope and without the long-term federal recovery programs of a major disaster declaration. Generally, federal assistance and funding are provided to meet a specific emergency needs or to help prevent a major disaster from occurring.d.The major disaster or emergency declaration designates the political subdivisions within the state that are eligible for assistance. There are three major categories of disaster aid available under a major disaster declaration1)Individual Assistance (IA): Aid to individuals and households.a)Disaster Housing - provides up to 18 months temporary housing assistance for displaced persons whose residences were heavily damaged or destroyed. Funding also can be provided for housing repairs and replacement.b)Disaster Grants - may be available to help meet other serious disaster related needs and necessary expenses not covered by insurance and other aid programs. These may include replacement of personal property, transportation, medical, dental, and funeral expenses.c)Low-Interest Disaster Loans - may be available after a disaster for homeowners and renters from the U.S. Small Business Administration (SBA) to cover uninsured property losses. Loans may be for repair or replacement of homes, automobiles, clothing, or other damaged personal property. Loans are also available to businesses for property loss and economic injury.d)Other disaster aid programs include crisis counseling, disaster-related unemployment assistance, legal aid and assistance with income tax, Social Security, and Veteran’s benefits. Other State or local help may also be available.2)Public Assistance (PA): Aid to state or local governments to pay part of the costs of rebuilding a community’s damaged infrastructure. PA may include debris removal, emergency protective measures and public services, repair of damaged public property, loans needed by communities for essential government functions, and grants for repair of damaged public and private nonprofit schools and educational facilities.3)Hazard Mitigation: Funding for measures designed to reduce future losses to public and private property.6.Other Declarationsa.Several federal agencies have independent authorities to declare disasters or emergencies. These authorities may be exercised concurrently or become part of a major disaster or emergency declared under the Stafford Act. These other authorities include:1)The administrator of the SBA may make a disaster declaration based upon physical damage to buildings, machinery, equipment, homes, and other property as well as economic injury.2)The Secretary of Health and Human Services (HHS) may declare, after consultation with public health officials, a public health emergency in the event of a significant outbreak of infectious diseases or bioterrorist attack.3)The U. S. Army Corps of Engineers may issue a disaster declaration in response to flooding or coastal storms.4)The Secretary of Agriculture may declare a disaster in certain situations in which a County sustained a production loss of 30 percent or greater in a single major enterprise.5)A federal On-Scene-Coordinator (OSC), designated by the Environmental Protection Agency (EPA), U.S. States Coast Guard, or the Department of Energy (DOE) under the National Contingency Plan (NCP), has the authority to direct response efforts at the scene of a discharge of oil, hazardous substance, pollutants, or contaminants, depending upon the location and source of the release.7.The Declaration Processa.A local emergency may be declared by the mayor. The mayor will consult with the County OPSSS, when possible, to assist with the declaration. The local emergency declaration may be based upon reports of an actual event or on the forecast or prediction of emergency conditions.b.Whenever a local emergency has been declared, the Town Administrator will immediately notify the County OPSSS. The County will notify the Maryland Emergency Management Agency (MEMA).c.For an incident that affects the Town and other areas of the County, the County, concurrently with the Town declaration or upon the request of the Town, may issue the local emergency declaration.d.A local emergency must be declared before state and federal assistance can be requested unless a state or federal state of emergency has already been declared.e.Based upon the request of the County or other information available, the Governor may declare a state of emergency. The Governor’s declaration of a state of emergency provides for expedited assistance from state departments, agencies and the Maryland National Guard.f.Once a determination is made by MEMA that the event is, or may be, beyond the capabilities of the Town, County and state, the Governor may request assistance from FEMA. Generally this request will result in joint federal/state Preliminary Damage Assessment (PDA).1)A PDA is an on-site survey of the affected area(s) by federal and state officials to determine the scope and magnitude of damages and to determine if federal assistance is warranted. Generally, a PDA is conducted prior to an official request by the Governor for a declaration of an emergency or major disaster by the president. The County OPSSS will provide assistance in facilitating the PDA process within the Town.a)Depending upon the extent and scope of damages provided in the initial reports, PDA teams may be organized to assess damage to private property (Individual Assistance) and/or public property (Public Assistance).b)For events of unusual severity and magnitude, state and federal officials may delay the PDA pending more immediate needs assessment activities.c)The PDA process verifies the general magnitude of damage and whether federal assistance will be requested.d)Based upon the results of the PDA and consultations with FEMA, MEMA will prepare for the Governor’s signature an official request for an emergency or major disaster declaration.g.The presidential declaration will stipulate the types of federal assistance authorized for the Town.H.Activities by Phases of Emergency Management1.MitigationThe Town will conduct mitigation activities to lessen or eliminate hazards, reduce the probability of hazards causing an emergency situation, or lesson the consequences of unavoidable hazards and participate in the review and updates of the County Natural Hazard Mitigation Plan.2.PreparednessPreparedness activities will be conducted in coordination with the County OPSSS to develop the response capabilities needed in the event of an emergency.3.ResponseThe Town will respond to emergency situations using the resources available and will request assistance, as needed, through the County for response operations. Response activities include emergency medical services, firefighting, law enforcement operations, evacuation, sheltering and mass care, search and rescue and other associated functions.4.RecoveryIf a disaster occurs, the Town will carry out a recovery program that involves both short-term and long-term efforts. Short-term operations seek to restore vital services to the community and provide for the basic needs of the public. Long-term recovery focuses on restoring the community to its natural state.V. ORGANIZATION AND ASSIGNMENTS OF RESPONSIBILITIESA. Organization1.In the event of a significant emergency or disaster impacting the Town, the mayor, assisted by the Town Administrator, will coordinate emergency operations within the Town and request outside resources, as needed. The TCC will be activated, as necessary, to coordinate the Town’s response operations. The Town may request a representative from the County OPSSS to assist the Town.2.In the event the County EOC is activated to coordinate operations, the mayor may designate a representative to the County EOC to coordinate activities within the Town.B.Assignment of Responsibilities1.The Mayor will:a.Establish objectives and priorities for the emergency management program and provide general policy guidance.b.Serve as, or appoint, a chief spokesperson for the Town during emergency events.c.Confer with the Town Administrator and other town officials, as appropriate, on policy issues related to the response and recovery operations.d.Coordinate with other elected officials at the County, regional and state level, including the congressional delegation.e.Order evacuations and implement this plan.f.Keep the public informed during emergency situations.g.In coordination with the County OPSSS, declare a local state of emergency, request the Governor declare a state of emergency, or invoke the emergency powers of government, when necessary.h.Request assistance from other local governments, when necessary.i.Exercise overall responsibility for plans and operations for emergency and disaster assistance within the Town.2.The town council will:a.Monitor the emergency response during disaster situations and provide direction where appropriate.b.Ensure funds are available to support emergency operations as outlined in this plan.c.Communicate with the public and provide guidance on responding to an emergency or disaster.d.As necessary, vote to extend a local emergency declaration beyond seven days.e.Host community meetings to ensure needs are being addressed and information is provided to residents.f.Promulgate the codes, regulations, and ordinances of the Town, and provides the funds required to implement and enforce an effective mitigation program.g.Enact emergency ordinances, as appropriate.3.Town Attorney will:a.Advise Town officials concerning legal responsibilities, powers and liabilities regarding emergency operations and post-disaster assistance.b.Prepare, as appropriate, emergency ordinances (i.e., gouging and curfews) and local declarations.c.Assist with the preparation of applications, legal interpretations or opinions.d.Assist in obtaining waivers and legal clearances needed to dispose of debris and materials resulting from an emergency or disaster.e.Assist with the implementation of isolation and quarantine orders and other court orders as needed.f.Advise Town officials on other legal matters arising from an emergency or disaster.4.The Town Administrator will:a.Activate the Town EOP.b.Provide direction and control of Town departments and organizations during emergency operations. In the event the TCC is activated, the Town Administrator will serve as the TCC manager.c.Direct and reallocate Town assets and resources during an emergency.d.Serve as the lead for the Town in managing recovery operations.e.Implement the policies and decisions of the governing body related to emergency management.5.The Town engineer will:a.Develop and maintain the Public Works and Engineering Annex to this plan.b.Manage the public works and engineering operations during emergency situations.c.Oversee the repair and restoration of key Town facilities and systems.d.Manage debris removal operations.6.The director, Streets and Road Department will:a.Provide personnel, equipment, and supplies to support emergency operations, upon request.b.Develop and maintain SOPs/SOGs for emergency tasks.c.Monitor the status of the Town’s transportation infrastructure and repair roads and traffic control systems, as necessary.d.Provide support for traffic control, as necessary.e.Manage snow and debris removal on Town streets.f.Provide support for evacuations.7.The director, Water and Sewer will:a.Develop and maintain SOPs/SOGS.b.Conduct damage assessments of water supply, distribution and control facilities, sanitary sewer systems and related facilities.c.Manage the repair and restoration, as necessary, of Town water and sanitary sewer systems.d.Provide for emergency water supply and assist with distribution.e.Ensure the continued supply of potable water.f.Ensure continuous wastewater collection services.g.In conjunction with the County Health Department, provide warnings and advice for contaminated or low water levels and “boil water” alerts.8.Law enforcement will:a.Provide available staff, resources, and facilities to support emergency operations.b.As appropriate, establish on-scene incident command.c.Assist in evacuation operations.d.Provide security of emergency site(s), evacuated areas, shelter areas, vital facilities, supplies, and other assigned locations.e.Provide assistance in search operations.f.Provide law enforcement services.g.Initiate on-scene warning and alerting in cooperation with the Mount Airy Volunteer Fire Company.h.Provide traffic control and management.i.Conduct investigations in accordance with Federal, State, and local laws.9.The Mount Airy Volunteer Fire Company will:a.Provide fire prevention, suppression and rescue services.b.Provide support for emergency notifications.c.As appropriate, establish initial on-scene incident command.d.Provide emergency triage, medical care and transportation of patients.e.Assist in evacuation operations.f.Assist in search operations.10.Parks and Recreation will:a.Provide available staff and resources to support emergency operations.b.Provide facilities, as required, for use as staging areas and/or points of distribution.C.Response Operations Functional Responsibilities1.The Town EOP is based upon common functions that may be needed following a significant emergency or disaster. These functions are based upon those identified in the County EOP.a.Warning – the Town will use all means available to provide the Town population with appropriate warning information. This includes radio and television, loudspeakers, sirens and telephones. Warning activities will be coordinated by the Mayor. The Town will request support from the County ECC and OPSSS, as needed. The Town receives warning information through the Carroll County ECC that serves as the Local Warning Point (LWP). Upon activation of the TCC, warning activities in the Town will be coordinated by the EOC Manager.b.Communications – the Town will request communication support, as needed, through the County. The Town will coordinate the use of its internal communication assets through the TCC.c.Radiological Protection – the Town will request support, as needed, from the County as detailed in the Radiological Protection Annex to the County EOP. Primary responsibility for this function is the Mount Airy Volunteer Fire Company.d.Evacuation – the Town will be assisted by the Mount Airy Volunteer Fire Company with support requested from the County, as needed, as detailed in the Evacuation Annex to the County EOP. The Mount Airy Volunteer Fire Company may provide support in conducting door-to-door warnings and instructions.e.Damage Assessment – the County OPSSS has primary responsibility for coordinating damage assessment activities as detailed in the Damage Assessment Annex to the County EOP. The Town will be responsible for damage assessment of critical infrastructure and for providing support and information for damage within the Town boundaries.f.Firefighting and other Fire/Rescue Functions – the Mount Airy Volunteer Fire Company has primary responsibility for these functions within the Town and will coordinate requests for support through existing mutual aid.g.Emergency Medical Services (EMS) – The Mount Airy Volunteer Fire Company has primary responsibility for this function within the Town and will coordinate requests for support with existing mutual aid.h.Law Enforcement – the Resident State Trooper has primary responsibility for law enforcement functions within the Town during emergency situations and will provide support as detailed in the Law Enforcement Annex to the County EOP.i.Direction and Control - primary responsibility for direction and control with the Town is assigned to the mayor, assisted by the Town Administrator. The Town Administrator will serve as the TCC manager upon activation and will manage the Town’s emergency response operations.j.Hazardous Materials and Oil Spills – the Mount Airy Volunteer Fire Company has primary responsibility for hazardous material response operations as detailed in the Hazardous Material and Oil Spill Response Annex to the County EOP.k.Search and Rescue – the MD State Police/CCSO has primary responsibility for search operations following a major disaster or emergency as detailed in the Law Enforcement Annex to the County EOP. The Mount Airy Volunteer Fire Company has primary responsibility for rescue operations following a major disaster or emergency as detailed in the Fire and Rescue Annex to the County EOP. (CC may have search and rescue annex)l.Terrorist Incident – the MD State Police/CCSO has primary responsibility for local response to a terrorist incident as detailed in the Terrorist Incident Annex to the County EOP.m.Shelter and Mass Care – the County Citizens Services Division has the primary responsibility for shelter and mass care operations as detailed in the Shelter and Mass Care Annex to the County EOP.n.Health and Medical Services – the County Health Department has the primary responsibility for health and medical service operations as detailed in the Health and Medical Services Annex to the County EOP.o.Human Services – the County Citizens Services Division has the primary responsibility of coordinating human services as detailed in the Human Services Annex to the County EOP.p.Transportation – the Town Department of Streets and Roads has primary responsibility for coordinating transportation support. The County will assist, when requested, as detailed in the Transportation Annex to the County EOP.q.Emergency Public Information (EPI) - The mayor or the mayor’s designee will serve as the chief spokesperson for the Town. The Town will coordinate its EPI with the County and assign a representative to the County Joint Information Center (JIC), if activated.r.Recovery – The Town Administrator will be the lead for recovery operations within the Town and will serve as the Town’s point of contact with the County.s.Public Works and Engineering – the Town’s Department of Public Works has the primary responsibility for this function.t.Utilities – the Town’s Superintendent, Water and Sewer, has the primary responsibility for this function.u.Resource Management – The Town will, upon exhaustion of Town resources, request assistance from the County.v.Donations and Volunteer Management - the County Citizens Services Division has the primary responsibility for coordinating donations and volunteers during an emergency response as detailed in the Donations and Volunteer Coordination Annex to the County EOP.w.Legal – The town attorney will provide appropriate advice to Town officials.VI. DIRECTION AND CONTROLA.General1.The mayor, assisted by the Town Administrator, is responsible for establishing objectives and policies for emergency management and providing general guidance for disaster response and recovery operations.2.The Town Administrator will provide overall direction of the response activities of all departments. As necessary, the Town Command Center (TCC) will be activated to coordinate emergency operations.3.The IC, assisted by a staff sufficient for the tasks to be performed, will manage the emergency response at an incident site.4.If the Town’s own resources are insufficient or unsuitable to deal with an emergency situation, assistance from other jurisdictions, the County, organized volunteer groups, or the state may be requested.B.Emergency Facilities1.Incident Command Post (ICP)Except when an emergency situation threatens, but has not yet occurred, and those situations for which there is no specific hazard impact site (such as severe winter storm or area-wide utility outage), an ICP or command posts will be established in the vicinity of the incident site(s). As noted previously, the IC will be responsible for directing the emergency response and managing the resources at the incident scene.2.Town Command Center (TCC)When major emergencies and disasters have occurred or appear imminent, the TCC, located at Mount Airy Town Hall, 110 S. Main Street, Mount Airy, will be activated. The alternate TCC is the Mount Airy Maintenance Facility. The mayor and OPSSS will determine if a Town liaison will be deployed to the County EOC or a liaison from the County OPSSS will be deployed to the TCC to coordinate emergency actions between the Town and the County.a.The following individuals are authorized to activate the TCC:1)mayor2)town administratorb.The general responsibilities of the TCC are:1)Assemble accurate information on the emergency situation and current resource data to allow local officials to make informed decisions on courses of action.2)Working with representatives of emergency services, determine and prioritize required response actions and coordinate their implementation.3)Provide resource support for emergency operations.4)Suspend or curtail government services, recommend the closure of schools and businesses, and cancellation of public events.5)Organize and activate large-scale evacuation and mass care operations.6)Provide emergency information to the public.c.Representatives of those departments and agencies assigned emergency functions in this plan will staff the TCC. TCC operations are addressed in the Direction and Control Annex. The interface between the TCC and the ICP is described in paragraph IV.E. above.C.Continuity of Government1.A major incident or emergency could include death or injury of key Town officials, the partial or complete destruction of established facilities, and the destruction of vital public records essential to the continued operations of the Town government. It is essential that law and order be preserved and government services maintained.2.Continuity of leadership and government services is particularly important with respect to emergency services, direction of emergency response operations, and management of recovery activities. A key aspect of this control is the continued capability to communicate official requests, situation reports, and other emergency information throughout the event.3.The line succession for the mayor is:a.Mayorb.President of the Town Councilc.Town administrator4.The line of succession for the Town Administrator is:a.Town Administratorb.Town engineerc.Director, Streets and Road DepartmentVII. EVACUATIONState law does not authorize the Governor or local officials to issue mandatory evacuation orders. State and local officials may recommend evacuation of threatened or stricken areas.A.EvacuationThe purpose of this section is to provide for the orderly and coordinated evacuation of all, or any part, of the population of the Town if it is determined that such action is the most effective means available for protecting the population from the effects of an emergency situation. This section is intended to work in conjunction with the County EOP.B.Evacuation Situation1.The Town is susceptible to both natural and man-made events such as floods, hurricanes, and hazardous material incidents that may necessitate an evacuation of nearby residents, businesses, and other facilities in order to save and protect lives. Evacuations may not always be the best option and Town officials or the on-scene IC may instead order affected populations to shelter in place. However, emergency situations such as a major fire, transportation accidents, hazardous material incidents, or localized flooding may require an evacuation of Town residents.2.The Town has the primary responsibility for ordering an evacuation and ensuring the safety of its citizens. The decision to evacuate will depend on the type of hazard, its magnitude, intensity, duration, and anticipated time of occurrence, assuming it hasn’t already happened.3.The on-scene IC may implement an evacuation, as necessary, to save lives and establish a zone around the impacted or potentially impacted area. The IC will request assistance from Town officials, as required, to provide notification, traffic management and control, and other support, as necessary. Should an evacuation become necessary, warning and evacuation instructions may be disseminated via radio, television, and other available media outlets, voice/tone siren, door-to-door notifications, etc.4.The primary means of transportation for evacuees will be by privately owned and operated motor vehicles. Town transportation resources may be utilized to provide supplementary transportation for those in need, including special needs populations, who may require accessible transportation. As necessary, additional transportation assets will be requested from the County.5.Depending upon the scope and magnitude of the incident, a Unified Command, including the Mount Airy Volunteer Fire Company, County OPSSS, CCSO and the MD State Police, may be established to coordinate notification to residents and businesses, and to provide direction for the orderly evacuation of the affected area. If the nature of the incident is escalating rapidly, or if large areas are impacted, the TCC may be activated to support the IC.6.In the event that emergency shelters will need to be established to support evacuations, the Town will request support from the County to establish and operate the shelter(s), as appropriate.7.Since the Town has no mandatory evacuation law, the mayor, or designee, can only recommend evacuation of a threatened area, not mandate it. However, when the mayor has issued a local disaster declaration, he or she may take action to control re-entry into a stricken area and the movement of people and occupancy of buildings within a disaster area.8.Town residents are expected to plan for the care of their pets in the event of a disaster or emergency. Companion animals are not be permitted in mass care shelters operated by the County except for service animals that accompany citizens with special needs. However, the County has made provisions for sheltering pets, as necessary, during emergencies. Refer to the County Animal Protection Annex for more information on the sheltering of pets during an emergency.C.Evacuation Assumptions1.Most people at risk will evacuate when local officials recommend that they do so. A general estimate is that 80 percent of those at risk will comply when local officials recommend evacuation. The proportion of the population that will evacuate typically increases as a threat becomes more obvious to the public or more serious.2.Some individuals will refuse to evacuate regardless of the threat.3.When there is sufficient warning of a significant threat, some individuals who are not at risk will evacuate.4.Some evacuation planning for known hazard areas can, and should be, done in advance.5.While some emergency situations are slow to develop, others occur without warning. Hence, there may be time for deliberate evacuation planning or an evacuation may have to be conducted with minimal preparation time. In the case of short notice evacuations, there may be little time to obtain personnel and equipment from external sources to support evacuation operations.6.The need to evacuate may become evident at any time and there could be little control over the evacuation start time.7.In most emergency situations, the majority of evacuees will seek shelter with relatives or friends or in commercial accommodations rather than in public shelters.8.Most evacuees will use their personal vehicles to evacuate; however, transportation may need to be provided for evacuees without personal vehicles.9.Public information messages that emphasize the need for citizens to help their neighbors who lack transportation or need assistance can significantly reduce requirements for public transportation during an evacuation.D.Concept of Operations1.The IC or, for large-scale emergencies, the mayor, shall assess the need for evacuation. The Town Administrator, as the TCC manager, will plan evacuations and coordinate support among Town departments and the County, as necessary, for the evacuation effort.2.It may be appropriate to recommend precautionary evacuation of certain residents in advance of a general evacuation recommendation.3.Evacuating residents with special needs may require specialized transportation.4.Advanced planning for special needs evacuees must be coordinated to ensure that proper care may be given at designated shelter locations.5.A recommendation to evacuate will be issued by the mayor or designee. The Town will use all means available to disseminate the evacuation recommendation.6.Actual evacuation movement will be controlled by the MD State Police/CCSO.7.The Town will request support, as needed, from the County as outlined in the County EOP. The Evacuation Annex to the County EOP provides additional information.VIII. ADMINISTRATION AND SUPPORTA.Agreements and ContractsShould local resources prove to be inadequate during an emergency; requests will be made for assistance from other local jurisdictions through mutual-aid and the County EOP.B.Records1.Record Keeping for Emergency OperationsThe Town is responsible for establishing the administrative controls necessary to manage the expenditure of funds and to provide reasonable accountability and justification for expenditures made to support emergency operations. This shall be done in accordance with the established Town fiscal policies and standard cost accounting procedures.a.Incident CostsAll departments shall maintain records summarizing the use of personnel, equipment, and supplies during the response to day-to-day incidents to obtain an estimate of annual emergency response costs that can be used in preparing future department budgets.b.Emergency or Disaster CostsFor major emergencies or disasters, all departments and agencies participating in the emergency response shall maintain detailed records of costs for emergency operations to include:1)Personnel costs, especially overtime costs.2)Equipment operation costs.3)Costs for leased or rented equipment.4)Costs for contract services to support emergency operations.5)Costs of specialized supplies expended for emergency operations.These records may be used to recover costs from the responsible party or insurers or as a basis for requesting financial assistance for certain allowable response and recovery costs from the state and/or federal government.2.Preservation of Recordsa.In order to continue normal Town operations following an emergency situation or disaster, vital records must be protected. These include legal documents as well as property and tax records. The principal causes of damage to records are fire and water; therefore, essential records should be protected accordingly. Each department will include protection of vital records in its SOPs/SOGs.b.If records are damaged during an emergency situation, the Town may seek professional assistance to preserve and restore them.C.Consumer ProtectionConsumer complaints regarding alleged unfair or illegal business practices often occur in the aftermath of a disaster. Such complaints will be referred to the town attorney who will pass such complaints to the Consumer Protection Division of the Office of the Attorney General.D.Post-Incident and Exercise ReviewThe mayor is responsible for organizing and conducting a critique following the conclusion of a significant emergency event/incident or exercise. The critique will entail both written and verbal input from all appropriate participants. Where deficiencies are identified, an individual or department will be assigned responsibility for correcting the deficiency and a due date shall be established for that action.IX. PLAN DEVELOPMENT AND MAINTENANCEA. Plan DevelopmentThe Town Administrator is responsible for the overall development and completion of the Town’s EOP and identified supporting annexes. The mayor is responsible for approving and promulgating this plan.B. Distribution of Planning DocumentsThe Town Administrator shall determine the distribution of this plan and its annexes, if any. This plan includes a distribution list (See Appendix 1) that indicates who receives copies of the basic plan and its annexes.C. ReviewThis plan and its annexes shall be reviewed annually by local officials. The Town Administrator will establish a schedule for annual review of planning documents by those tasked in them.D. Update1.This plan will be updated based upon deficiencies identified during actual emergency situations and exercises and when changes in threat hazards, resources and capabilities, or government structure occur.2.This plan and its annexes, if any, must be revised or updated by a formal change at least every four years. Responsibility for revising or updating the plan is assigned to the Town Administrator.3.The Town Administrator is responsible for distributing all revised or updated planning documents to all departments, agencies, and individuals tasked in those documents.X. APPENDICESAppendix 1 Distribution ListAppendix 2 Town Emergency Contact InformationAppendix 3 Assignment of Town ResponsibilitiesAppendix 4 Carroll County Emergency Operations Plan AnnexesAPPENDIX 1Distribution ListJurisdiction/Agency PlanBasic PlanAnnexesTown Command Center1AllMayor1AllTown Council5AllTown Administrator1AllStreets and Roads1AllWater and Sewer1AllParks and Recreation1AllPlanning and Zoning1AllTown Attorney1AllMount Airy Volunteer Fire Company1AllCarroll County OPSSS1AllCarroll County Division of Health Services1AllCarroll County Citizens Services Division1AllCarroll County Sheriff’s Office1AllCarroll County Finance Division1AllFrederick County Division of Emergency Management1AllAPPENDIX 2Mount Airy Contact ListNAMETITLEOFFICEHOMECELL/PAGERPatrick RockinbergMayor301-829-1424301-829-0895301-448-2598Monika WeierbachTown Administrator301-829-1424301-834-3750301-748-4943Barney QuinnTown Engineer301-829-1424301-831-5838240-793-3703Mark MoxleyDirector Streets and Roads301-831-7844301-829-1156240-793-3701Tom RobersonDirector WWTP301-829-2674301-829-0525240-793-3699Brian JohnsonDirector Water and Sewer301-831-7844301-829-8188240-793-3697MAVFCLocal Fire Company301-829-0100MD State PoliceResident Troopers301-829-0218APPENDIX 3Assignment of ResponsibilitiesRESPONSIBLE PARTYASSIGNMENTMayor·Establish objectives and priorities for the emergency management program and provide general policy guidance.·Serve as, or appoint, a chief spokesperson for the Town during emergency events.·Confer with the Town Administrator and other town officials, as appropriate, on policy issues related to the response and recovery operations.·Coordinate with other elected officials at the County, regional and state level, including the congressional delegation.·Order evacuations and implement this plan.·Keep the public informed during emergency situations.·In coordination with the County OPSSS, declare a local state of emergency, request the Governor declare a state of emergency, or invoke the emergency powers of government, when necessary.·Request assistance from other local governments, when necessary.·Exercise overall responsibility for plans and operations for emergency and disaster assistance within the Town.Town Council·Monitor the emergency response during disaster situations and provide direction where appropriate.·Ensure funds are available to support emergency operations as outlined in this plan.·Communicate with the public and provide guidance on responding to an emergency or disaster.·As necessary, vote to extend the disaster declaration for the Town beyond seven days.·Host community meetings to ensure needs are being addressed and information is provided to residents.·Promulgate the codes, regulations, and ordinances of the Town, and provides the funds required to implement and enforce an effective mitigation program.·Enact emergency ordinances, as appropriate.Town Attorney·Advise Town officials concerning legal responsibilities, powers, and liabilities regarding emergency operations and post-disaster assistance.·Prepare, as appropriate, emergency ordinances (i.e., gouging and curfews) and local declarations.·Assist with the preparation of applications, legal interpretations or opinions.·Assist in obtaining waivers and legal clearances needed to dispose of debris and materials resulting from an emergency or disaster.·Assist with the implementation of isolation and quarantine orders and other court orders, as needed.·Advise town officials on other legal matters arising from an emergency or disaster.Town Administrator·Activate the Town EOP.·Provide direction and control of Town departments and organizations during emergency operations. In the event the TCC is activated, the Town Administrator will serve as the TCC manager.·Direct and reallocate Town assets and resources during an emergency.·Serve as the lead for the Town in managing recovery operations.·Implement the policies of the governing body related to emergency management.Town Engineer·Develop and maintain the Public Works and Engineering Annex to this plan.·Manage the public works and engineering operations during an emergency situations.·Oversee the repair and restoration of key Town facilities and systems.·Manager debris removal operations.Director, Street and Road Department·Provide personnel, equipment, and supplies to support emergency operations upon request.·Develop and maintain SOPs/SOGs for emergency tasks.·Assess damages to Town streets.·Monitor the status of the Town’s transportation infrastructure and repair roads and traffic control systems, as necessary.·Provide for traffic control, as necessary.·Manage snow and debris removal on Town streets.·Provide support for evacuations.Director, Water and Sewer·Develop and maintain SOPs/SOGs.·Conduct damage assessments of water supply, distribution and control facilities, sanitary sewer systems and related facilities.·Manage the repair and restoration, as necessary, for Town water and sanitary sewer systems.·Provide for emergency water supply and assist with distribution.·Ensure the continued supply of potable water.·Ensure continuous wastewater collection services.·In conjunction with the County division of Health Services provide warnings and advice for contaminated or low water levels and “boil water” alerts.Mount Airy Volunteer Fire Company·Provide fire prevention, suppression and rescue services.·Provide support for emergency notifications.·As appropriate, establish initial on-scene incident command.·Provide emergency triage, medical care and patient transportation.·Assist in evacuation operations.·Assist in search operations.·Provide emergency medical care, triage, and transportationLaw Enforcement·Provide available staff, resources, and facilities to support emergency operations.·As appropriate, establish on-scene incident command.·Assist in evacuation operations.·Provide security of emergency site(s), evacuated areas, shelter areas, vital facilities, supplies, and other assigned locations.·Provide assistance in search operations.·Provide law enforcement services.·Initiate on-scene warning and alerting in cooperation with the Mount Airy Volunteer Fire Company.·Provide traffic control and management.·Conduct investigations in accordance with Federal, State, and local laws.Parks and Recreation·Provide available staff and resources to support emergency operations.·Provide facilities, as required, for use as staging areas and/or points of distribution.APPENDIX 4Carroll County EOP Annex AssignmentsANNEXASSIGNED TO:Annex A: WarningAnnex B: Communications and Information TechnologyAnnex C: Shelter & Mass CareAnnex D: Radiological ProtectionAnnex E: EvacuationAnnex F: Fire and RescueAnnex G: Law EnforcementAnnex H: Health and Medical ServicesAnnex I: Emergency Public InformationAnnex J: RecoveryAnnex K: Public Works and EngineeringAnnex L: UtilitiesAnnex M: Resource ManagementAnnex N: Direction & ControlAnnex O: Human ServicesAnnex P: Reserved for future use.Annex Q: Hazardous Materials & Oil SpillResponseAnnex R: Reserved for future use.Annex S: TransportationAnnex T: Donations and Volunteer ManagementAnnex U: LegalAnnex V: Terrorist Incident ResponseAnnex W: Animal Health EmergencyAnnex X: Private Sector CoordinationAnnex Y: Family SupportAnnex Z: Damage AssessmentGEOGRAPHIC BRANCHES