Disaster Recovery Center opens in Hopkins County
The Kentucky Emergency Management says FEMA representatives can explain available assistance programs, how to apply to FEMA and help connect survivors with resources for their recovery needs.
KEM says this is located at the Hopkins County Fairgrounds at 605 E. Arch Street from 9 a.m. to 7 p.m., Monday-Saturday and 1 to 7 p.m. on Sunday.
Officials state representatives from the Kentucky Office of Unemployment Insurance, the Kentucky Department of Insurance and the US Small Business Administration will also be available at the recovery centers to assist survivors.
FEMA is encouraging Kentuckians affected to apply for federal disaster assistance as soon as possible, and when applying, the following will need to be provided:
A current phone number where you can be contacted.
Your address at the time of the disaster and the address where you are now staying.
Your Social Security Number.
A general list of damage and losses.
Banking information if you choose direct deposit.
If insured, the policy number or the agent and/or the company name.
Click here to learn more.
Copyright 2025 Nexstar Media, Inc. All rights reserved. This material may not be published, broadcast, rewritten, or redistributed.

Try Our AI Features
Explore what Daily8 AI can do for you:
Comments
No comments yet...
Related Articles

an hour ago
Parents of kids swept away in Texas floods beg lawmakers to protect future campers
When floodwaters rushed through a girl's summer camp nestled in the Texas Hill Country, Michael McCown's 8-year-old daughter was among 27 campers and counselors swept to their deaths. On Wednesday, McCown joined other Camp Mystic parents, some wearing buttons memorializing 'Heaven's 27,' in demanding that Texas lawmakers pass a bill that would boost camp safety, including generally keeping cabins out of flood plains, instituting new requirements for emergency plans and mandating weather radios. 'It will hurt my family forever that, for reasons I still do not know, these protections were not in place nor thought out thoroughly for my daughter and the rest of the girls here,' he said. "Please pass this bill, protect our kids and do not let their deaths be in vain.' McCown's middle child, Linnie, was sandwiched between two brothers. She was sometimes a pest to her 11-year-old brother. But to the youngest, just 3, she was mother figure, making him cereal on weekends so her parents could catch a few minutes of sleep. 'To everyone else she was a joy," her father told lawmakers. "She hugged her teachers, was a friend to everybody and spread an infectious giggle everywhere she went.' Then came the floods. Just before daybreak on the Fourth of July, destructive, fast-moving waters rose 26 feet (8 meters) on the Guadalupe River, washing away homes and vehicles. All told, at least 136 people died, raising questions about how things went so terribly wrong. County leaders were asleep or out of town. The head of Camp Mystic had been tracking the weather beforehand, but it's now unclear whether he saw an urgent warning from the National Weather Service that had triggered an emergency alert to phones in the area, a spokesperson for camp's operators said in the immediate aftermath. Some of the camp's buildings — which flooded — were in what the Federal Emergency Management Agency considered a 100-year flood plain. But in response to an appeal, FEMA in 2013 amended the county's flood map to remove 15 of the camp's buildings from the hazard area. Upon learning of the flooding, McCown rushed to the town of Kerrville to pick up Linnie, receiving an email en route that if parents hadn't been personally contacted, then their daughters are accounted for. 'I felt a wave of relief, which was quickly shattered about 30 minutes later when my wife called incredibly distraught to say that Linnie is missing,' he recalled. He joined the search downstream from the camp and found the body of a deceased girl. He also made two trips to a funeral home to identify bodies. One was not Linnie; the other, he believed, was. He later provided authorities with a DNA swab. He's haunted by questions. 'How," he asked, "could these girls vanish into the night without anyone having eyes on them while cabins literally just 20 yards away had no casualties? So what went wrong?' Cici Williams Steward said assurances that her daughter, Cile Steward, would be safe were betrayed and protocols that should have been in place were ignored. Today, the body of the 8-year-old 'remains somewhere in the devastation of the Guadalupe River,' the only Camp Mystic camper still missing. 'We are suspended in endless anguish, unable to move forward, unable to find peace," a tearful Steward said. "We ask you, please pass SB1 so no parent sends their child to camp believing they are safe only to face this nightmare. And just as urgently, please do not stop the search for Cile Steward. Please do not give up on our girl.' Texas State Sen. Charles Perry described the proposed legislation as a 'legacy to the loss' and an answer to what has been learned during hours of public testimony. He said it's dubbed the 'Heaven's 27 Camp Safety Act.' 'It's only appropriate," Perry said, "to memorialize the 27 little girls that lost their lives at Camp Mystic in this way.'


San Francisco Chronicle
3 hours ago
- San Francisco Chronicle
Parents of kids swept away in Texas floods beg lawmakers to protect future campers
When floodwaters rushed through a girl's summer camp nestled in the Texas Hill County, Michael McCown's 8-year-old daughter was among 27 campers and counselors swept to their deaths. On Wednesday, McCown joined other Camp Mystic parents, some wearing buttons memorializing 'Heaven's 27,' in demanding that Texas lawmakers pass a bill that would boost camp safety, including generally keeping cabins out of floodplains, instituting new requirements for emergency plans and mandating weather radios. 'It will hurt my family forever that, for reasons I still do not know, these protections were not in place nor thought out thoroughly for my daughter and the rest of the girls here,' he said. "Please pass this bill, protect our kids and do not let their deaths be in vain.' His middle child, Linnie, was sandwiched between two brothers. She was sometimes a pest to her 11-year-old brother. But to the youngest, just 3, she was mother figure, making him cereal on weekends so her parents could catch a few minutes of sleep. 'To everyone else she was a joy," her father told lawmakers. "She hugged her teachers, was a friend to everybody, and spread an infectious giggle everywhere she went.' Then came the floods. Just before daybreak on the Fourth of July, destructive, fast-moving waters rose 26 feet (8 meters) on the Guadalupe River, washing away homes and vehicles. All told, at least 136 people died, raising questions about how things went so terribly wrong. County leaders were asleep and out of town. The head of Camp Mystic had been tracking the weather beforehand, but it's now unclear whether he saw an urgent warning from the National Weather Service that had triggered an emergency alert to phones in the area, a spokesman for camp's operators said in the immediate aftermath. Some of the camp's buildings — which flooded — were in what the Federal Emergency Management Agency considered a 100-year flood plain. But in response to an appeal, FEMA in 2013 amended the county's flood map to remove 15 of the camp's buildings from the hazard area. Upon learning of the flooding, McCown rushed to the town of Kerrville to pick up Linnie, receiving an email en route that if parents hadn't been personally contacted, then their daughters are accounted for. 'I felt a wave of relief, which was quickly shattered about 30 minutes later when my wife called incredibly distraught to say that Linnie is missing,' he recalled. He joined the search downstream from the camp and found the body of a deceased girl. He also made two trips to a funeral home to identify bodies. One was not Linnie; the other, he believed, was. He later provided authorities with a DNA swab. 'How," he asked, "could these girls vanish into the night without anyone having eyes on them while cabins literally just 20 yards away had no casualties? So what went wrong?' Texas State Sen. Charles Perry described the proposed legislation as a 'legacy to the loss' and an answer to what has been learned during hours of public testimony. He said it's dubbed the 'Heaven's 27 Camp Safety Act.' 'It's only appropriate," Perry said, "to memorialize the 27 little girls that lost their lives at Camp Mystic in this way.'
Yahoo
5 hours ago
- Yahoo
Can I Retire at 66 With $900K in a Roth IRA and $2,200 From Social Security?
SmartAsset and Yahoo Finance LLC may earn commission or revenue through links in the content below. Imagine that you have $900,000 in a Roth IRA and collect another $2,200 per month in Social Security. Can you afford to retire at age 66? A good way to answer this question is to start with your budget. What do you expect to spend on essentials, like housing and fixed monthly expenses, and what will it cost to maintain your lifestyle? Then take a look at your retirement income and see how all those figures compare. (And if you need additional help planning for retirement or building an income plan, consider speaking with a fiduciary financial advisor.) Income and Expense Planning For the sake of argument, let's say that you earn the median household income of $75,000. Conventional wisdom suggests that you'll need about 80% of your pre-retirement income to maintain your current lifestyle in retirement. That would mean that your Roth IRA withdrawals and Social Security benefits would need to generate about $60,000 before taxes and about $54,600 in after-tax income. Can that work? To start, you have $26,400 per year in Social Security benefits. Since full retirement age is 67 for most, your benefits would be around 7% by claiming at age 66. (Based on these numbers you would receive $28,295 per year in benefits if you retired at 67.) You also have your Roth IRA, which will eliminate your potential tax liability on both your portfolio withdrawals and your Social Security. Since your Roth withdrawals aren't taxable income, your Social Security benefits wouldn't generate any federal income taxes either. Also, Roth accounts aren't subject to required minimum distributions (RMDs) when you reach 73, giving you more flexibility compared to a pre-tax account. The issue is that your Roth portfolio is relatively light to support a full retirement. You may be able to make the numbers work, but there wouldn't be a lot of wiggle room in your budget. For example, take the classic 4% rule for withdrawals, which calls for you to withdraw 4% from a balanced portfolio in your first year of retirement and then adjust subsequent withdrawals for inflation. The 4% rule is designed to stretch a portfolio at least 25 years. Withdrawing 4% from a $900,000 Roth IRA would give you $36,000 in your first year of retirement. With Social Security, you'd have a combined retirement income of approximately $62,400. Again, this is a tax-free income. But it doesn't surpass your spending needs by much, limiting your flexibility. More importantly, if your lifestyle or your area in which you live is even modestly more expensive than average, this might not work at all. You could also consider investing an annuity. With $900,000, a representative lifetime annuity could pay you around $70,440 per year ($5,870 per month), according to Schwab's Income Annuity Estimator. That would give a combined annual income of about $96,840 (with Social Security). This may be enough to provide some households with a comfortable standard of living, this income won't be inflation-protected. As a result, a large portion of your retirement income would lose purchasing power over time. (Whether you need help protecting your money from inflation or evaluating annuity options, consider working with a financial advisor.) There's Value in Waiting Alternatively, you could consider delaying your retirement by just a few years. This may be especially attractive if you want to build more flexibility into your budget so you can afford some luxuries, leisure and travel. If you delay retirement by three years and claimed Social Security at age 69, your benefit would increase to $32,823 per year ($2,735 per month). Second, at the S&P 500's 10% average annual rate of return, your Roth IRA could potentially grow to about $1.22 million. Even if you use a 4% withdrawal rate, your Roth portfolio could generate about $48,880 in your first year of retirement. Combined with Social Security, you'd have $81,712 in year 1. Or, you could invest the whole $1.2 million into an annuity that might pay you approximately $95,000 per year. As a result, you'd have a combined income of more than $127,000 in your first year of retirement. In both of these cases, delaying retirement would give you much more financial flexibility for a comfortable, sustainable lifestyle. (A financial advisor can help you assess when you can afford to retire.) Bottom Line With $900,000 in a Roth IRA and $2,200 per month in Social Security, you may be able to afford to retire at age 66. However, it could mean some tight budgeting and thin margins. Instead, it might be wise to wait just an extra couple of years to let your portfolio and benefits grow a little bit more. Retirement Budgeting Tips Social Security plays a major role in most Americans' retirement budgets. Figuring out when to claim your benefits is an important step in the retirement planning process. SmartAsset's Social Security calculator can help you estimate how much your benefits will be at different claiming ages. A financial advisor can help you build a comprehensive retirement plan. Finding a financial advisor doesn't have to be hard. SmartAsset's free tool matches you with up to three vetted financial advisors who serve your area, and you can have a free introductory call with your advisor matches to decide which one you feel is right for you. If you're ready to find an advisor who can help you achieve your financial goals, get started now. Keep an emergency fund on hand in case you run into unexpected expenses. An emergency fund should be liquid -- in an account that isn't at risk of significant fluctuation like the stock market. The tradeoff is that the value of liquid cash can be eroded by inflation. But a high-interest account allows you to earn compound interest. Compare savings accounts from these banks. Are you a financial advisor looking to grow your business? SmartAsset AMP helps advisors connect with leads and offers marketing automation solutions so you can spend more time making conversions. Learn more about SmartAsset AMP. Photo credit: © Penn, © Pastukh, © Kunpol The post I Have $900k in a Roth IRA and Would Receive $2,200 Monthly From Social Security. Can I Retire at 66? appeared first on SmartReads by SmartAsset. Sign in to access your portfolio