Are You Ready?

The DFR Score (Disaster Financial Recovery Score) is a revolutionary preparedness tool created by Operation HOPE measuring your level of preparedness to recover financially from a disaster or personal emergency. Complete 10 short questions and receive your personal DFR Score and a Personal Action Plan to help you become better prepared in recovering from a disaster.

Find out how prepared you are financially to recover from a disaster.

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Tell Us More About Yourself

What is your residential status?

What is your employment status?

Question 1

Have you identified and discussed with your family the most likely disasters to affect you in the next five years? (Examples: Flooding, earthquake, tornado, hurricane, terrorist attack, etc.)

Question 2

Have you completed a disaster preparedness and recovery plan such as the Emergency Financial First Aid Kit (EFFAK) and Personal Disaster Preparedness Guide (PDPG) or other comprehensive document?

Question 3

Do you have a completed disaster preparedness and recovery plan stored where it will be accessible after a disaster? (On a flash drive, emailed to a family member/financial consultant/attorney, etc.)

Question 4

Have you reviewed or completed your disaster preparedness and recovery plan, such as the EFFAK or PDPG, with your spouse or family member and do they have access to the documents after a disaster or emergency?

Question 5

Do you have adequate insurance to help you recover from a disaster? (Home, renter’s, flood, health, auto insurance, etc.)

Question 6

Have you reviewed and updated the amount of coverage on your home or renter's insurance policy in the last two years?

Question 7

Have you stored in your home: water, medications, and non-perishable food to sustain you and your family for a minimum of three days?

Question 8

In the case that a disaster affects your housing, do you know where you (and your family if applicable) will be able to live for six months? And can you cover the expenses from your current income?

Question 9

Is your phone prepared to be a disaster recovery tool? (This includes having a disaster notification program/tool/app on your cell phone.)

Question 10

Do you know how to apply for FEMA assistance in case you need to after a disaster?


Your disaster financial recovery score is

Your current DFR SCORE is 20 or below with a potential maximum score of 100. Increase your DFR SCORE and improve your ability to recover from a disaster or emergency by following the tips on this action plan. The Emergency Financial First Aid Kit allows you to capture and have access to information and resources you will need after a disaster. It should be completed and saved on a flash drive or your computer, pass code protected. A companion document, the Personal Disaster Preparedness Guide, should also be completed and saved. Both documents are available at

We also recommend you send the pass code protected document to a relative or financial advisor who could email the document to you after a disaster at any email address.

If you follow this recommendation and the prompts after each question, you will be well prepared to recover from any disaster or emergency in the shortest time possible.

Thanks for allowing us to assist you in becoming more prepared for a disaster. Please encourage your family and friends to become better prepared and obtain their DFR SCORE.

You can now review your personal action plan below. Follow the tips to increase your DFR SCORE.

Congratulations, your DFR SCORE is 80 or above, this indicates you are well prepared for financial and overall recovery after a disaster or emergency.

Your insurance company may provide incentives to individuals who are well prepared for disasters and have their auto and home policies with the same company. You should send your DFR SCORE to your insurance company and ask what incentives are available.

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The Action Plan

Identify most likely disasters.

You cannot be fully prepared for every possible disaster or emergency; however, if you can identify the three most likely disasters to occur in your area, based on previous disasters, and plan for them you will be able to recover from any disaster.

Complete a Disaster Preparedness/Recovery Plan.

If you and your family have access to the information needed to begin the recovery process, it will reduce frustration and anxiety. The Emergency Financial First Aid Kit (EFFAK) and the Personal Disaster Preparedness Guide (PDPG) are available at

Prepare to have access to recovery-needed documents.

Assembling the information you need to recover is the first step. However, if you do not have access to the information after a disaster or emergency, step one will not help you.

Ensure your family has access to your preparedness and recovery plan.

If you are not able to start the financial recovery process, someone in your family should be able to assist or implement your recovery plan. Brief someone this week by reviewing the documents with them, including how to access them after a disaster or emergency. The Emergency Financial First Aid Kit (EFFAK) and the Personal Disaster Preparedness Guide (PDPG) are available at

Secure adequate insurance.

If you do not have insurance, change your spending priorities and purchase insurance next month. Don’t risk losing the things you have acquired. If you have insurance, you receive a notice from your insurance company every year asking you to review your coverage; review your coverage and make adjustments. If you are underinsured, choosing to have the latest computer or more money in your savings account is a poor choice.

Update your insurance.

Complete the PDPG and use pages 12-15 and a free on-line home valuation site to adjust your coverage.

Plan for your immediate needs like water and food.

American Red CrossFEMA and most cities contain information on the amount of water and food you should have. Follow their guidance and don't forget to swap out and replace items as recommended. Hunger and worrying about where you will obtain food can affect your financial recovery decisions.

Plan for housing.

If you are a homeowner, consider adding "Loss of Use" coverage to your homeowners' insurance policy. If you are a renter, discuss with your family the options: an American Red Cross or local shelter, a hotel room reimbursed by FEMA, staying with a relative or changing monthly spending or income allowing you to increase your savings.

Prepare your phone to be a disaster recovery tool.

After a disaster, one of the tools that may be your first available resource is your cell phone. If you have a smartphone, install a free app this week or go to your phone's Notifications settings and turn on "Government Alerts". If you do not have a smart phone, consider upgrading your phone; new technology can help you throughout the recovery process and many other life management free apps could be worth the increased monthly cost. Open a social media account (such as Facebook, Twitter, etc.) or email account, if you don’t already have one, as a way to communicate after a disaster.

Learn how to apply for FEMA assistance.

Review the FEMA website’s section, “Disaster Survivor Assistance” in order to become familiar with the types of assistance FEMA offers and the process to apply. A review of the process and a discussion with your family will help them understand the process and requirements before a disaster. Go to

What’s Next

Thanks for your effort. Please encourage your family and friends to become better prepared and obtain their DFR SCORE. You can have your certificate emailed to you by completing your name and email address below. Your Action Plan will also be emailed to you if there are any actions you need to take based on your responses.

Send My DFR SCORE To This Email:

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What’s Next

A customized plan based on your responses to the questions can be emailed to you for your future planning.

Send My Action Plan To This Email:

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What’s Next

Your email was sent. Thank you for taking the DFR Score Quiz!

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