You can have a reserve, capital/truck, but once the proper amout is there you still have to go out for referendum. It is required by law. But there is a certain $ amout you don't have to, I think under $25,000.
Pic gathered from cell phones Rescuer setting up rigging for boat Sending boat to rescuer Loading family members in to boat Shuttling family over to shore Family to shore Family member being brought to ambulance to be checked out and brought to NHFD headquarters