Insights and Practical Guides

Plain explanations of the federal programs, regulations, and insurance mechanisms this firm works in every day. Written for tribal emergency managers, program directors, contracting officers, capture managers, claims professionals, and counsel who need the working version rather than the statute.

Field deployment. Staging, inspection, documentation, and closeout run the same way on a single assignment or a multi inspector event.

Library

Guides

Mitigation planning

Tribal Mitigation Plan Requirements Under 44 CFR 201.7

What a federally recognized tribe must have on file to receive Hazard Mitigation Assistance funding, the five year update clock, and the elements FEMA reviewers score.

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Disaster recovery

How a Tribal Nation Requests a FEMA Disaster Declaration

Direct tribal declaration or subrecipient under a state. What each pathway costs in control and in administrative burden, and how the damage record decides the request.

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Grants and insurance

Stafford Act Section 312 and Duplication of Benefits

How FEMA reduces grant funding by insurance proceeds, the five places applicants lose money at that seam, and what a reconciliation that survives audit contains.

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Dispute resolution

How the Insurance Appraisal Clause Works

What the appraisal panel decides, what it cannot decide, how umpire selection and the award actually work, and how to prepare a scope that holds up.

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Program status

FEMA Program Status: Where Things Stand

A sourced, neutral status board covering BRIC after its restoration, HMGP, the 2024 Tribal Declarations Interim Guidance, PAPPG Version 5, and the FEMA Review Council report. Dated and linked to primary sources.

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Federal contracting

NAICS 541620: Environmental Consulting Services in Disaster Work

What 541620 covers, why hazard mitigation and resilience planning is competed under it, and how primes can use a Native American owned small business on that code.

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Service area

FEMA Region 6: Tribal and Government Disaster Support

Oklahoma, Texas, Arkansas, Louisiana, and New Mexico. Hazard profile, tribal presence, and what this firm delivers across the region.

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Important disclosures

Not a law firm. Okla Risk Advisors and Choctaw Strategies, LLC are not a law firm and do not provide legal advice or legal representation. The firm’s principal is not a licensed attorney. The Master of Legal Studies in Indigenous Peoples Law is a non attorney graduate degree. Nothing on this site creates an attorney client relationship, and nothing here should be relied on as legal advice. Clients are encouraged to retain their own counsel, and the firm routinely works alongside tribal, corporate, and outside counsel.

Not a public adjusting firm. The firm does not represent policyholders as a public adjuster and does not solicit public adjusting engagements. Claims work is performed for insurance carriers, managing general agents, third party administrators, program managers, independent adjusting firms, and self insured entities. Work for governmental and tribal clients is independent consulting and reconciliation, not policyholder advocacy. Adjusting services are provided only where the firm holds the required license or a valid reciprocal or emergency designation.

Expert, appraisal and umpire engagements. Availability is subject to conflict clearance and to any licensure, registration, or appointment requirements of the jurisdiction and the policy at issue. Some states regulate who may serve as an appraiser or umpire. The firm confirms its ability to serve before accepting an engagement. The firm accepts one role per matter and does not serve as both a party appointed appraiser and a retained testifying expert in the same dispute. No representation is made as to the outcome of any matter.

Not a government agency. The firm is not affiliated with, endorsed by, or authorized to speak for the Federal Emergency Management Agency, the Department of Homeland Security, the Small Business Administration, the Bureau of Indian Affairs, the Indian Health Service, the Choctaw Nation of Oklahoma, or any other government or tribal government. Program summaries on this site describe public documents and are provided for reference. Federal program status and eligibility change without notice, and the governing regulation, policy, or notice of funding opportunity controls. The firm does not guarantee that any grant, obligation, appeal, award, or reimbursement will be approved or received.

Socioeconomic status. Choctaw Strategies, LLC is wholly owned by one individual who is an enrolled citizen of the Choctaw Nation of Oklahoma. This is individual Indian ownership. The company is not a tribally owned enterprise, an Alaska Native Corporation, or a Native Hawaiian Organization, and it does not hold the sole source authorities reserved to those entities. Indian Economic Enterprise and Indian Small Business Economic Enterprise status is self certified under the Buy Indian Act. The SBA 8(a) Business Development application is pending and no 8(a) certification is claimed. All representations are subject to verification in SAM.gov.

© 2026 Choctaw Strategies, LLC d/b/a Okla Risk Advisors. Content is provided for general information only and is not a substitute for professional advice on a specific matter. chrischambers@oklariskadvisors.com