Flood Protection And Mitigation Grants

Every year thousands of properties experience flooding all over the nation, with many of these properties being built prior to floodplain management efforts being practiced. FEMA provides multiple programs to financially assist communities and property owners with flood mitigation efforts.

Administered through a partnership with the Florida Division of Emergency Management (FDEM), funds are to be used for projects that reduce or eliminate the risk of repetitive flood damage to buildings insured by the National Flood Insurance Program (NFIP).

Administered through a partnership with the Florida Division of Emergency Management (FDEM), funds are to be used to develop hazard mitigation plans and rebuild in a way that reduces, or mitigates, future disaster losses within the community. This grant funding is available after a presidentially-declared disaster.

This coverage is available if your home or business is damaged by a flood, you may be required to meet certain building requirements in your community to reduce future flood damage before you repair or rebuild. Flood insurance policyholders in high-risk flood areas may receive up to $30,000 of coverage to help offset the costs to bring their home or business into compliance with their local community's floodplain management ordinance or regulations.

Offered through the U.S Department of Housing and Urban Development, this loan program assists with financing of a mortgage covering the purchase or refinancing and rehabilitation of a primary single-family residence that is at least 1 year old.

Floodproofing of a Structure:

One of the most commonly used flood protection practices is called "floodproofing". Floodproofing refers to any combination of structural and non-structural additions, changes, or adjustments to structures which reduce or eliminate flood damage to real estate or improved real property, water and sanitary facilities, structures and their contents. There are two categories of floodproofing, as follows:

Wet Floodproofing:

The use of flood damage-resistant materials and construction techniques to minimize flood damage to structures by intentionally allowing floodwater to enter and exit automatically, which means without human intervention. Some examples of wet floodproofing include installing flood openings, proper wall construction, using flood damage-resistant materials, foundation design accounting for additional loads, and systems protection. For more information related to wet floodproofing, visit NFIP Technical Bulletin 7.

Examples of wet floodproofing
Figure 6: Examples of wet floodproofing

Dry Floodproofing:

Measures taken to make a building and attendant utilities and equipment watertight and substantially impermeable to floodwater, with structural components having the capacity to resist flood loads. This form of floodproofing is only an option in non-residential buildings. For more information related to dry floodproofing, visit NFIP Technical Bulletin 3.

Example of non-residential dry floodproofing

Figure 7: Example of non-residential dry floodproofing