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Is it legal for my mortgage company to double my mortgage and force me to stay in high flood insurance even though I live in a minimal flood risk area?

Allow me to please clarify some of the other answers. I come at this from a 20+ year career in dealing with the National Flood Insurance Program (NFIP), which is run by FEMA. I’m not an insurance agent. I worked for a state agency that in turn works with local municipalities to make sure they understand and carry out building requirements within flood zones. I’ve also become as much as an expert as a non-insurance agent can be on the flood insurance side.The National Flood Insurance Act of 1968 and subsequent amendments was passed because the private sector was not offering flood insurance due to uncertain, and highly concentrated risk. The Act requires local municipalities to agree to pass and enforce development rules within flood-prone areas in return for the availability of federal flood insurance within the municipality. The Federal Emergency Management Agency (FEMA) develops flood maps, legally called Flood Insurance Rate Maps. You can look up the flood map for your area at msc.fema.gov.The flood maps contain four separate flood zones. V zones are areas along ocean or Great Lakes coast lines subject to at least a 3′ wave. A zones are either coastal areas with less than a 3′ wave, or inland areas with flooding from rivers, lakes, streams, etc. Both zones have probabilities of flooding of at least 1% per year. Most people call that the 100-year flood, but the percentage probability is more accurate. 1% per year equals a probability of 26% over any 30 year period.Shaded X zones (C zones on older maps) are areas subject to between a 0.2% and 1% probability of flooding per year. 0.2% = 6% over 30 years - greater than the probability of a fire.Unshaded X zones are everything else.Federal law requires flood insurance as a condition of a mortgage from either a federal lender or any federally regulated lending institution if the structure is fully or partially within an A or V zone. Almost all lending institutions are federally regulated.Banks are required to determine if a structure needs flood insurance prior to any closing. Some banks do a better job at this task than others. Many rely on national flood determination companies which are not government regulated, but do have a professional association with professional standards.Banks are supposed to provide 45 days notice of the need to obtain flood insurance. If the flood insurance is not obtained, the bank may force place it. Some of the larger national banks have subsidiaries that force place the insurance with a high users fee. Congress passed an amendment in 2012 that limits the banks’ practice by giving the lender 30 days to terminate the forced placed insurance and refund premiums after the borrower shows proof of their own flood insurance.Even if you purchase your own flood coverage, the bank may require you to escrow the premium, just as you might do for homeowners insurance, making your monthly mortgage check higher, though the amount you pay for the homeowners loan itself hasn’t changed.The price of flood insurance, especially for older homes that were built before flood zone construction regulations existed (generally before 1980 or so, but it varies by municipality) is expensive and getting more expensive. This is not FEMA’s doing. FEMA is complying with laws passed by Congress in the face of extremely expensive floods. So you could be paying $3000 per year for flood insurance, yet your actuarial risk may be even higher. That’s why private insurance companies got out of the business.As another writer stated, you can hire a surveyor to see of the lowest ground touching your home (not your lowest floor) is at least as high as the flood elevation. If so, you can file for a Letter of Map Amendment, which removes the insurance purchase requirement, though a bank may require flood insurance of anybody. Still the flood insurance would be much, much cheaper. And if you’re that close to a flood zone, I would recommend carrying it anyway since homeowners insurance does not cover flood damages.You can also decrease your risk by elevating your home, filling in any basement, and installing flood vents. Talk to your local building department for details.You can also decrease flood insurance by having a higher deductible.Finally, a number of private insurers are getting back into the flood insurance market, in part because the risk is better known now, and in part because of escalating FEMA rates. However many are cherry picking policies. Also private flood insurance carriers can drop you at any time. The NFIP cannot.

Does your neighborhood have a formalized emergency plan and if not would you desire one be established?

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

What are some scientifically-credible alternative theories regarding the collapse of the Twin Towers?

What are some scientifically-credible alternative theories regarding the collapse of the Twin Towers?The collapses of all three WTC towers were the worst building disasters to date; resulting in the greatest loss of life and property in the history of the United States. The use of planes as missiles and the rapid, catastrophic collapse of all three towers were historically both novel and anomalous and the result of criminal terrorist acts. No one will argue that the WTC tower collapses on 9/11 demanded a forensic investigation. Though beyond that arguments abound.Some argue that the forensic investigations of WTC towers gave clear and concise explanations of the collapses. Others argue that the investigations were incomplete at best, unscientific at worst. Still, others argue that most people are not qualified to make those judgments. I would like this answer to be objective enough that others agree.I think that we can look at what we really know in regards to the WTC towers collapses without ever sounding pedantic or dismissive. I want to inform but not opine. Everything I put forth will reference and link only reputable, neutral sources and sites. I don’t want to engage in controversy. No links to a site or a group regarding 9/11.QualificationsScientific Research, Forensic Investigation, and Forensic Engineering require the skills, talent, and tools of professionals trained in those fields to conduct research and investigations, produce reports, and give expert testimony on behalf of litigants in legal cases.Judging the quality of the investigation, reports, and testimony, in general, does not require specialized knowledge. As I will show, there are industry standards and protocols, as well as clear legal rules, and precedents in place that set the requisites for admissibility. That said I think that a quick review of the Scientific Method is important.The Scientific Method and Forensic InvestigationsAlmost any scientific field can be considered a Forensic Science if it is employed in legal matters. The Forensic Investigation follows the Scientific Method in 7 steps. This link is to Sedgewick, a global insurance adjustor, and is a perfect refresher or primer on the steps of Forensic Science Investigation. 7 Steps to Forensic Investigation Success - SedgwickThe FEMA Investigation of the WTC towers’ collapses September 11, 2001, to March 6, 2002After any disaster, like Hurrican Katrina in New Orleans, or 9/11 in New York City, FEMA (Federal Emergency Management Agency) is usually the first federal agency to arrive. FEMA has a team they call they call the BPS-Team (Building Performance Study Team) that assesses the safety of the buildings still standing and makes recommendations regarding the investigation of the buildings that were destroyed.After the events of 9/11, the BPS-Team were not FEMA agents but volunteers from the ASCE (American Society of Civil Engineers) who also donated $500,000 to the investigation; matching the funds from the federal government.The focus in the days and weeks after September 11, 2001, at Ground Zero, were primarily to find survivors and retrieve the remains of those who perished, many of whom were the heroic FDNY first responders. The area in and around Ground Zero was a restricted zone and there was no clear agency or person in charge. This led to many experts having trouble accessing the site.During the rescue phase at Ground Zero, large pieces of debris were loaded on trucks and hauled to recycling centers. The Science Committee of US House Hearing on the 9/11 investigation, on March 6, 2002, noted concerns that much of the evidence had been removed from Ground Zero and especially troubling was the fact that the steel and debris from the upper parts of the towers (where the planes had impacted them) had been hauled away and not preserved. The Committee was curious why instead of the FEMA BSP-Team being at the site within 7 days, as is standard protocol, it took the ASCE BPS-Team over three weeks to step foot on Ground Zero after much valuable evidence had been removed.A person from NSF (National Science Foundation) who’d been at Ground Zero from the beginning went to NYC officials responsible for the recycling of the debris to request that the city cease any further destruction of the evidence until the investigators arrived. The NYC officials refused to stop the recycling of the debris for no good reason. The NSF guy then went to the company in charge of the recycling and asked if they could hold off any further destruction of evidence, until the investigators from the ASCE BPS-Team had a chance to see it; the company was more than happy to help in any way they could, and retained all further debris from Ground Zero.The ASCE BPS-Team, nearly a month late, and lacking any power of subpoena (unlike any other FEMA BPS-Team ever) which means lacking any power at all, was at the mercy of the kindness of those holding the remaining evidence to investigate the little steel and debris that remained at the Fresh Kill recycling site. You can read about it all in the below link to the minutes from March 6, 2002, Congressional Hearing on WTC CollapseLink to FEMA that includes all documents related to their involvement at Ground Zero https://www.fema.gov/media-libra...NIST’s legal mandate by the US Congress to conduct forensic investigations into the WTC towers’ collapses.On March 6, 2002, (the same hearing linked above) FEMA requested that NIST take over the investigation of the WTC tower collapses. FEMA cited the fact that the NIST labs, scientists, and fire experts were better qualified and suited for the task. In October 2002, the US Congress tasked NIST with the WTC towers’ collapses investigation. About the National Construction Safety Team (NCST) ActFire Science and the NFPA 921 Guide to Fire and Explosion Investigation.History of the NFPA. The NFPA is a trade association of insurers established in 1896. Its purpose at that time was to ensure that the newly invented fire sprinkler system would be part of standard building codes. It makes sense that insurers would prefer to have fire protection like sprinklers a mandatory part of the construction process. Saving them from having to pay out huge amounts to claims. As you might guess, the NFPA was successful in its endeavors and over the next hundred years helped codify many fire safety measures nationwide. About NFPAHistory of the NFPA 921 Guide. In 1992 the NFPA published the first edition of the 921 Guide. The guide is updated every three or four years, 2017 is the latest edition. The 2001 Edition of the NFPA Guide to Fire and Explosion Investigation, like every edition before and after, was made the official Fire Science Guide by NIST in February 2001, six months prior to 9/11. From the NFPA regarding the 921 Guide;NFPA 921 sets the bar for scientific-based investigation and analysis of fire and explosion incidents. Referenced in the field, in training, and in court, it is the foremost guide for rendering accurate opinions as to incident origin, cause, responsibility, and prevention. It is intended for use by both public sector employees who are responsible for fire investigation and private sector professionals who conduct investigations for insurance companies or litigation purposes.Legal Precedent and the NFPA 921 Guide. Fire Investigation is most commonly done for legal cases involving insurance claims. Fire investigators in legal cases are experts, and the reports from their investigations are deemed expert opinions and testimony. Though the NFPA 921 Guide has always made the disclaimer that its use is only as a guide and is not mandatory to use in every fire and explosion investigation; the truth is that the NFPA 921 Guide to Fire and Explosion Investigation has been cited in a number of precedent-setting cases that not following the NFPA 921 Guide in an investigation could have the investigation dismissed by the court and the expert status of the investigator revoked.From the National Law Review on the importance of following the NFPA 921 Guide to Fire and Explosion Investigation when considering legal opinions and expert testimony. https://www.natlawreview.com/art...Accepted Federal Science Standards and SCOTUS/Federal Appeals Court precedents regarding Expert Testimony.In 1923 the case of Frye v United States the Federal Appellate Court’s decision set the precedent on what qualified as admissible scientific evidence and expert opinions that by the 1970s was accepted by almost all federal and state courts.Frye v. United States - SignificanceIn 1993 the Frye Standard was superseded by the SCOTUS decision in Daubert v. Merrell Dow Pharmaceuticals Inc. and Rule 702. Testimony by Expert Witnesses was modified to reflect the Daubert Standard.The Organization of Scientific Area Committees (OSAC)was formed to set standards in Forensic Sciences. In 2014 the OSAC approved the NFPA 921 Guide to Fire and Explosion Investigation into the archive (the next edition in 2017 replaced the 2014 edition) here is the report from the NIST site; OSAC Approved Standards Archive.The NFPA 921 Guide meets all of the standards and requirements; both legally and scientifically of federal evidentiary rules and legal precedents for expert scientific testimony. It is clearly the best protocol for a fire and explosion investigator and expert witness to follow without deviation.The NFPA 921 Guide chapter and verse regarding explosions.Explosions are a common destructive event in fires. The reality is that explosions ARE fires, rapidly expanding fire. The storage of volatile materials, fuel and gas lines and storage tanks, electrical junctions, as well as dust ALL, explode in high heat. In the case of WTC 7; it was built over a ConEd electrical substation, two massive fuel and gas tanks, as well as being exposed to the copious amounts of dust created by the collapse of the Twin Towers. Yet there was no consideration of any of those things exploding by NIST.The paragraphs below in bold/italic font proceeded by numbers are all directly taken from the NFPA 921 Guide. The numbers are the chapter and paragraph of the cited information.What does the NFPA 921 Guide say about the defining components of an explosion?21.1.4– Although an explosion is almost always accompanied by the production of a loud noise, the noise itself is not an essential element in the definition of an explosion. The generation and violent escape of gases are the primary criteria of an explosion.What does the NFPA 921 Guide consider evidence of explosions? Two types of structural damage seem evident of explosions.21.3.1– Low­Order Damage. Low­order damage is characterized by walls bulged out or laid down, virtually intact, next to the structure. Roofs may be lifted slightly and returned to their approximate original position. Windows may be dislodged, sometimes without glass being broken. Debris produced is generally large and is thrown short distances. Low­order damage is produced by slow rates of pressure rise.21.3.2– High­Order Damage. High­order damage is characterized by shattering of the structure, producing small, pulverized debris. Walls, roofs, and structural members are splintered or shattered, with the building completely demolished. Debris is thrown great distances, possibly hundreds of feet. High­order damage is the result of rapid rates of pressure rise.The NFPA 921 Guide also warns that certain groups or types of crimes might be evidence of explosives.19.4.8.2.6– Extremism-motivated firesetting is committed to further a social, political, or religious cause. Fires have been used as a weapon of social protest since revolutions first began. Extremist firesetters may work in groups or as individuals.Also, due to planning aspects and the selection of their targets, extremist firesetters generally have a great degree of organization, as reflected in their use of more elaborate ignition or incendiary devices. Subcategories of extremist firesetting are identified as follows.(a) Terrorism. The targets set by terrorists may appear to be at random; however, target locations are generally selected with some degree of political or economic significance. Political targets generally include government offices, newspapers, universities, political party headquarters, and military or law enforcement installations. Political terrorists may also target diverse properties such as animal research facilities or abortion clinics. Economic targets may include business offices, distribution facilities of utility providers, banks, or companies thought to have an adverse impact on the environments. Fires or explosions become a means of creation confusion fear, or anarchy.The Scientific Method regarding Confirmation Bias and Expectation BiasWhen NIST was asked if they followed the NFPA 921 Guide to Fire and Explosion Investigation, they admitted they had not followed the guide. When asked why they didn’t follow the NFPA 921 Guide they said that there was no evidence of explosions.Scientists doing research following the Scientific Method are cautioned to avoid making presumptions. Two common presumptions are Confirmation Bias and Expectation Bias. The NFPA 921 Guide talks about presumptions in general and gives examples of both Confirmation Bias and Expectation Bias.4.3.7– Avoid Presumption. Until data have been collected, no specific hypothesis can be reasonably formed or tested. All investigations of fire and explosion incidents should be approached by the investigator without presumption as to origin, ignition sequence, cause, fire spread, or responsibility for the incident until the use of scientific method has yielded testable hypotheses, which cannot be disproved by rigorous testing.4.3.8– Expectation Bias. Expectation bias is a well-established phenomenon that occurs in scientific analysis when investigator( s) reach a premature conclusion without having examined or considered all of the relevant data. Instead of collecting and examining all of the data in a logical and unbiased manner to reach a scientifically reliable conclusion, the investigator( s) uses the premature determination to dictate investigative processes, analyses, and, ultimately, conclusions, in a way that is not scientifically valid. The introduction of expectation bias into the investigation results in the use of only that data that supports this previously formed conclusion and often results in the misinterpretation and/or the discarding of data that does not support the original opinion. Investigators are strongly cautioned to avoid expectation bias through proper use of the scientific method.4.3.9– Confirmation Bias. Different hypotheses may be compatible with the same data. When using the scientific method, testing of hypotheses should be designed to disprove the hypothesis. Confirmation bias occurs when the investigator instead tries to prove the hypothesis. This can result in failure to consider alternate hypotheses. A hypothesis can be said to be valid only when rigorous testing has failed to disprove the hypothesis.ConclusionI am not sure there is a scientifically credible theory; let alone an alternative theory about the collapses of the three WTC towers on 9/11. I have looked into it, and to the best of my understanding the worst building disaster, with the most loss of life and property in history, was never given a proper forensic investigation, even though the US Congress mandated that NIST do so they seem to have failed.

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