Native American owned disaster, mitigation and risk consultingOffices in Kansas and Oklahoma · nationwide delivery
Native American owned · Choctaw Nation of Oklahoma

Damage assessment, mitigation planning and FEMA recovery, from one full-line consulting firm.

Okla Risk Advisors is a full-line risk and disaster consulting firm. The work starts where every disaster record starts, with an accurate assessment of the damage, and carries through the hazard mitigation plan that keeps funding eligible, the FEMA Public Assistance grant that pays for recovery, the insurance claim on the same buildings, and expert testimony when the numbers are contested.

Engagements are directed by the firm’s principal, Chris Chambers: more than 25 years of catastrophe damage assessment in the field, 45 completed FEMA Independent Study courses, NFIP flood certification, and a Master of Legal Studies in Indigenous Peoples Law. The firm is wholly owned by an enrolled citizen of the Choctaw Nation and keeps an office inside the reservation.

At a glance

Ownership
Enrolled Choctaw citizen, Native American owned
Field experience
25+ years, catastrophe damage assessment
FEMA training
45 Independent Study courses
Coverage
Nationwide, FEMA Region 6 focus
Response
Usually the same business day
Who we work for
  • Tribal nations
  • Federal agencies
  • State and local government
  • School and special districts
  • Private non-profits
  • Prime contractors
  • Carriers and TPAs
  • Counsel
What we do

Six consulting service lines, one accountable firm

Each line stands on its own and each one connects to the others. Follow any heading for scope of work, applicable NAICS codes, and the credentials behind that specific line.

Disaster damage assessment

Field damage assessment after hurricanes, floods, tornadoes, hail and wildfire for tribal nations, local governments and recovery primes: initial damage assessment support, joint PDA preparation, Public Assistance damage documentation, substantial damage estimates, and flood and wind inspection.

Related: requesting a declaration · FEMA damage assessment training
NAICS 541990IS-559 · IS-556
IS-284.a · NFIP flood

Hazard mitigation and resilience planning

Development and update of mitigation plans that meet 44 CFR 201.7 for tribal governments and 201.6 for local jurisdictions, so eligibility for Hazard Mitigation Grant Program and BRIC funding stays open. Risk assessment, vulnerability and loss estimation, mitigation strategy and project pipeline, adoption support, and FEMA review through approval.

Related: local plans under 44 CFR 201.6 · tribal plan requirements under 44 CFR 201.7 · why a plan matters · funding pathways
NAICS 541620IS-318.b · IS-328.a
HMGP · BRIC · FMA

Government contracting, subcontracting and teaming

How agencies, tribal governments and prime contractors buy this work. Native American owned small business, Indian Economic Enterprise under the Buy Indian Act, SBA 8(a) application in process, the full registered NAICS table, and teaming, subcontracting and surge staffing on disaster and planning task orders.

Related: capability statement · NAICS 541620 detail
NAICS 541618Buy Indian Act
Open for subcontracts

Catastrophe claims services and review

Independent and catastrophe adjusting for carriers, MGAs, TPAs and IA firms: large and complex commercial and condominium losses, independent claim review and quality assurance, claims operations consulting, and building consulting.

Related: licensure and designations
NAICS 524291Large loss
Xactimate
How it fits together

One timeline, one firm

Clients usually arrive at a single point on the disaster cycle. The advantage of one firm across every line is that nothing has to be re-explained at the next point.

BEFORE

Plan

Mitigation plan development and five-year updates under 44 CFR 201.7 and 201.6, risk assessment, and the project pipeline that funding applications are drawn from.

BEFORE

Prepare

Plan status review, insurance schedule and valuation review, procurement readiness, and documentation practices that hold up after an event.

EVENT

Assess

Initial damage assessment, joint PDA preparation, substantial damage estimates, and flood and wind damage inspection.

RECOVERY

Recover

Project worksheets across Categories A through G, cost estimating, Section 406 mitigation, and Grants Portal management.

CLOSEOUT

Resolve

Section 312 insurance reconciliation, appeals and audit support, and appraisal, umpire or expert testimony where the numbers are contested.

Government contracting runs across the whole timeline: prime awards, Buy Indian Act set-aside and sole-source vehicles, teaming with recovery primes, and surge staffing on task orders. Contracting and teaming

Federal disaster funding and insurance recovery reconciled into one scopeFederal grant programs on the left and insurance recovery on the right both flow into a single reconciled scope of work governed by Stafford Act Section 312, producing documentation that survives audit, appraisal and cross-examination. TWO FUNDING SYSTEMS, ONE BUILDING Federal disaster funding Public Assistance Categories A through G HMGP and BRIC Hazard Mitigation Assistance CDBG–DR Long-term recovery funds Insurance recovery Property policy Scope, causation, valuation NFIP flood All four building types Appraisal or litigation Award, settlement, judgment One reconciled scope, building by building STAFFORD ACT §312 · DUPLICATION OF BENEFITS Documentation that survives audit and cross-examination
The core problem

Two systems, one building

After a declared event, the same damaged building is usually covered twice: once by a federal grant program and once by an insurance policy. Under Stafford Act Section 312, FEMA must reduce a Public Assistance grant by the insurance proceeds available for the same work.

When the grant consultant and the insurance professional are different firms, nobody owns the reconciliation between them. That is where obligations get cut at closeout, and where audit findings come from years later.

Why clients call

What this firm does differently

  • Field damage assessment behind every numberA risk assessment is a loss estimate, a project worksheet is a damage record, and an appraisal is a scope. All of it rests on 25 years of assessing catastrophe damage in the field after hurricanes, floods, tornadoes, hail and wildfire.
  • Trained to FEMA’s own curriculum45 completed FEMA Independent Study courses across mitigation planning, Public Assistance, damage assessment and incident management, including IS-318.b Mitigation Planning for Local and Tribal Communities.
  • Tribal access and standingEnrolled Choctaw ownership, an office inside the Choctaw Nation reservation, graduate training in Indigenous Peoples Law, and Indian Economic Enterprise standing under the Buy Indian Act. The firm works within tribal sovereignty, not around it.
  • Both sides of the moneyMost mitigation planners have never valued a damaged building, and most damage assessors have never written a project worksheet. When a grant and an insurance recovery land on the same building, that gap is where funding gets lost.
  • Documentation built for the next reviewerEvery deliverable assumes a FEMA reviewer, an OIG auditor, an appraisal panel or opposing counsel will read it. That standard is set at scoping, not applied at the end.
  • Scalable deliveryAn established network of inspectors and recovery specialists, from a single senior assignment to multi-inspector deployments, with quality control by the firm’s principal.
Coverage and deployment
Primary regionFEMA Region 6
ReachAll ten FEMA regions
Tribal officeWister, OK, Choctaw Nation
HeadquartersOverland Park, KS
FoundedAugust 2023
Practice linesSix

The firm works in all ten FEMA regions and concentrates in Region 6: Oklahoma, Texas, Arkansas, Louisiana and New Mexico. Region 6 service area

Credentials behind the work
FEMA Independent Study, 45 courses
Mitigation, Public Assistance, damage assessment, NIMS
Catastrophe damage assessment
25+ years in the field
NFIP flood certified
Residential, commercial, condominium, manufactured
MLS, Indigenous Peoples Law
University of Oklahoma

Includes IS-318.b Mitigation Planning for Local and Tribal Communities, the Public Assistance IS-1000 series, IS-559 Local Damage Assessment, IS-284.a Substantial Damage Estimator, and IS-100, 200, 700 and 800. Each service page lists the credentials that apply to that line. Full credentials, licensure and training

The firm

Native American owned, senior-led, built for federal and tribal work

Okla Risk Advisors is the operating brand of Choctaw Strategies, LLC, founded in August 2023. Contracts, registrations and certifications are held at the Choctaw Strategies level.

The firm is wholly owned by an enrolled citizen of the Choctaw Nation of Oklahoma. It holds an active SAM.gov registration and is self-certified as an Indian Economic Enterprise, an Indian Small Business Economic Enterprise, and a small disadvantaged business, with an SBA 8(a) application in process. That standing matters to tribal procurement officers, contracting officers, and primes building a subcontracting plan; the procurement detail lives on the contracting page, and the registration data, NAICS table and socioeconomic codes are on the capability statement.

Each service page lists the credentials that apply to that line of work. Carriers and counsel will find designations and adjuster licensure on the claims and expert witness pages; the complete record is on the credentials page.

Engagement at a glance

Practice lines
Damage assessment, planning, recovery, contracting, claims, expert witness
Client types
Tribal, government, prime contractor, carrier, counsel
Engagement models
Prime, subcontract, teaming, project, retained expert
Onboarding pack
Capability statement, W-9, COIs, license list
Turnaround
Usually the same business day
Conflict checks
Normally returned the same day
Common questions

Frequently asked questions

What kind of consulting firm is Okla Risk Advisors?

A full-line risk and disaster consulting firm with six connected practice lines: disaster damage assessment, hazard mitigation and resilience planning, disaster recovery and FEMA Public Assistance, government contracting and subcontracting, catastrophe claims services, and expert witness, appraisal and umpire work. All six are delivered by one legal entity, Choctaw Strategies, LLC.

Is the firm Native American owned?

Yes. Choctaw Strategies, LLC is wholly owned by an enrolled citizen of the Choctaw Nation of Oklahoma, keeps an office at Wister, Oklahoma, inside the Choctaw Nation reservation, and is self-certified as an Indian Economic Enterprise under the Buy Indian Act, with an SBA 8(a) application in process.

Who does the firm work for?

Tribal nations, federal agencies, state and local government, school and special districts, private non-profits, prime contractors, insurance carriers, MGAs and third-party administrators, and law firms on both sides of the bar.

What FEMA training does the firm hold?

The firm’s principal has completed 45 FEMA Emergency Management Institute Independent Study courses across mitigation planning, Public Assistance, damage assessment and recovery, and incident management, including IS-318.b Mitigation Planning for Local and Tribal Communities, the Public Assistance IS-1000 series, IS-559 Local Damage Assessment, and IS-100, IS-200, IS-700 and IS-800. The full record is on the credentials page.

Where does the firm work?

Nationwide, with a concentration in FEMA Region 6: Oklahoma, Texas, Arkansas, Louisiana and New Mexico.

Why does one firm handle both federal grants and insurance claims?

Because the same building is usually covered by both. Under Stafford Act Section 312, FEMA reduces a Public Assistance grant by insurance proceeds available for the same work. When the grant consultant and the insurance professional are different firms, the reconciliation between them is where funding is lost at closeout.

Does the firm represent policyholders as a public adjuster?

No. The firm is a consultancy, not an advocacy practice. It does not act as a public adjuster and does not represent policyholders. Its value is independent analysis that holds up under audit, appraisal or cross-examination regardless of who retained it. See the full disclosures.

How quickly can the firm be engaged?

A capability statement, W-9, certificates of insurance and a current license list are furnished on request, usually the same business day. Conflict checks for expert and neutral engagements are normally returned the same day.

Tell us what you are working on.

Tribal leadership, emergency managers, contracting officers, small business liaisons, capture managers, carriers and counsel can reach the firm directly. A capability statement is available on request.