Each year, thousands of properties flood repeatedly nationwide. Often built before floodplain management regulations took effect, these properties continue to place a severe strain on the National Flood Insurance fund. FEMA has several financial assistance programs available to communities and interested property owners to acquire, retrofit, or fund other flood mitigation projects.
All these programs are managed through the State Division of Emergency Management’s Mitigation Program .
Hazard Mitigation Assistance
FEMA's Hazard Mitigation Assistance (HMA) grant programs provide funding for eligible mitigation activities that reduce disaster losses and protect life and property from future disaster damages. Currently, FEMA administers the following HMA grant programs:
Hazard Mitigation Grant Program (HMGP) HMGP is authorized by Section 404 of the Robert T. Stafford Disaster Relief and Emergency Assistance Act, as amended (the Stafford Act), Title 42, U.S. Code (U.S.C.) 5170c. The key purpose of HMGP is to ensure that the opportunity to take critical mitigation measures to reduce the risk of loss of life and property from future disasters is not lost during the reconstruction process following a disaster. HMGP is available, when authorized under a Presidential major disaster declaration, in the areas of the State requested by the Governor. Indian Tribal governments may also submit a request for a major disaster declaration within their impacted area.
Pre-Disaster Mitigation (PDM) The PDM Program is authorized by Section 203 of the Stafford Act, 42 U.S.C. 5133. The PDM Program is designed to assist States, Territories, Indian Tribal governments, and local communities to implement a sustained pre-disaster natural hazard mitigation program to reduce overall risk to the population and structures from future hazard events, while also reducing reliance on Federal funding in future disasters.
Flood Mitigation Assistance (FMA) The FMA program is authorized by Section 1366 of the National Flood Insurance Act of 1968, as amended (NFIA), 42 U.S.C. 4104c, with the goal of reducing or eliminating claims under the National Flood Insurance Program (NFIP).
The National Flood Insurance Fund (NFIF) provides the funding for the FMA program. The PDM and FMA programs are subject to the availability of appropriation funding, as well as any program-specific directive or restriction made with respect to such funds.
More information about each program can be found on the FEMA HMA Web site at https://www.fema.gov/hazard-mitigation-assistance .
Prospective applicants and sub-applicants should contact their State Hazard Mitigation Officer for further information regarding specific program and application requirements.
The reimbursement funding programs noted above require the local government to "sponsor" the applicant from the application stage through to the completion of the project.
Another source of financial assistance available to a flood policy holder of a repetitive loss property is Increased Cost of Compliance funding. This rider on your flood policy provides additional coverage to help underwrite a flood mitigation project required by code as a condition to rebuild the damaged building. It can also help pay the non-federal portion of a cost-shared retrofitting project funded under the mitigation programs described above.