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Learn-Assess federally authorized shoreline protection works threatened or damaged by coastal storms, and provision of emergency drinking water. The Fanners Home Administration State Director may make emergency loans to farmers, ranchers, and oyster planters. Under the Emergency Conservation Program, an Agricultural Stabilization and Conservation Service State Director may designate areas eligible for cost-sharing grants of up to 64% to rehabilitate farm lands damaged by natural disasters. Although all state and most local governments have programs to coordinate and provide assistance during an emergency, few have special funds for financial assistance to victims. Most states limit their own disaster assistance funding to local governments, rather than extending it to businesses or individuals. All states now contribute some of the nonfederal share of assistance for Presidentially declared disasters. States may also declare their own emergencies or disasters; 28 states then provide assistance to localities out of a governor's emergency fund. Local governments may provide disaster assistance to their residents and business community, most commonly through some form of tax break. Many localities have joined mutual aid agreements with nearby communities to provide equipment, personnel, and other disaster assistance. Research has shown that local governments have the capacity to assume a much higher proportion of losses than they usually do within the existing framework offederal and state programs. A number of national voluntary organizations provide disaster relief services, primarily emergency shelter, food, clothing, and medical aid. Some also provide longer-term assistance, such as rebuilding homes or job placement. A committee known as the National Voluntary Organizations Page 28 of36