Karen Sebro

Karen Sebro serves as a key procurement lead within the Mitigation SECTION (MIT60) of the Federal Emergency Management Agency, where she manages acquisitions critical to advancing national resilience and catastrophe risk mitigation. Her role centers on securing specialized reinsurance and risk modeling services that underpin the National Flood Insurance Program’s financial sustainability and data-driven decision-making. She oversees complex, technically demanding contracts requiring deep actuarial, geospatial, and catastrophe modeling expertise, ensuring federal mitigation initiatives are grounded in credible risk assessments and long-term fiscal planning. Her acquisitions directly support FEMA’s mission to reduce loss of life and property by strengthening community preparedness through science-based solutions. Sebro’s contracting patterns reflect a strategic focus on high-caliber, niche providers with proven capabilities in reinsurance carrier operations and catastrophe risk analytics. She works closely with specialized reinsurance firms and actuarial consultancies that deliver advanced modeling platforms, loss estimation tools, and financial resilience frameworks. These vendor partnerships are typically established through competitive sealed bidding or negotiated procurements, emphasizing technical merit, data integrity, and compliance with federal risk management standards. Her approach prioritizes stability and expertise over volume, cultivating long-term relationships with vendors capable of sustaining complex, mission-critical systems. Sebro’s procurement portfolio shows no use of socioeconomic set-asides, with 100% of acquisitions conducted under full and open competition. This reflects the highly specialized nature of the services procured, where only a limited pool of firms possesses the requisite actuarial, underwriting, and catastrophe modeling credentials. While small business participation is not formally targeted, her process remains transparent and accessible to all qualified entities meeting stringent technical requirements. Her primary procurement focus is NAICS 524130 — Reinsurance Carriers — indicating a deep specialization in acquiring reinsurance capacity, risk transfer instruments, and catastrophe bond structuring services. She procures advanced analytical tools for flood risk modeling, exposure mapping, and financial stress testing, ensuring FEMA’s mitigation programs remain fiscally sound and operationally resilient against escalating climate-related threats.