FEMA Flood Mitigation Grant Assistance Program

Are you interested in obtaining grant funds to elevate, demolish/reconstruct, or sell your home that is below base flood elevation, at risk of flooding, or has flooded before with a National Flood Insurance Program (NFIP) flood insurance claim?

If so, Monroe County is participating in a national grant program known as Flood Mitigation Assistance (FMA) to help with these costs.

  • Elevate
  • Demolish/Reconstruct
  • Sell

Monroe County is currently accepting applications for the fiscal year 2022 (FY 2022) FMA grant program and the application period will be closing around September 15, 2022.

For reference, the 2021 FMA NOFO Fact Sheet can provide those interested with an overview of the program.

Local Elevation Project Examples can be found here: https://firmkeys.org/keyswide-home-elevation-education-project/

If you are a contractor, engineer, or architect that has completed an elevation project in the Florida Keys, email Lalbachan-Mike@MonroeCounty-Fl.gov or call 305-453-8796 to add your project and references to the examples of local elevation projects.

Home Elevation Budget

A home elevation budget is required as part of the application. Please work with your contractor to complete the “Home Elevation Budget” form when submitting your home elevation application. 

  1. Mike Lalbachan

    Phone: 305-453-8796

  2. Land Authority

    Physical Address
    1200 Truman Avenue
    Suite 207
    Key West, FL 33040

    Phone: 305-295-5180

    Monday - Friday
    8:30 a.m. to 5 p.m.

Program Overview

The FMA program for individual home elevation, acquisition, relocation, and reconstruction can be administered throughout the County, including both incorporated and unincorporated areas.

The program is a competitive grant program that provides funding to the County if approved by FDEM and FEMA. Funds can be used for projects that reduce or eliminate the risk of repetitive flood damage to buildings insured by the NFIP. Applicants must have flood insurance at the time of application and be willing to maintain flood insurance in perpetuity.  The FMA Program grants fund projects that reduce future flood losses. These may include elevating (lifting) your home, selling to the County and returning the land to its natural state, or demolishing your home and rebuilding NFIP-compliant insured structures. FMA provides funds yearly to reduce or remove the risk of flood damage to NFIP-insured buildings.

In Florida, the FMA Program is funded by FEMA and administered through a partnership with FDEM. FDEM has the authority and responsibility for developing and maintaining a State Hazard Mitigation Plan, reviewing Flood Mitigation Assistance Program sub-applications, recommending technically feasible and cost-effective sub-applications to FEMA, and providing pass-thru funding for FEMA-approved and awarded project grants to eligible sub-applicants. Monroe County is a sub-applicant for the FMA Program administered by FDEM on a yearly cycle. 

The County’s objectives are:

  • reduce or eliminate repetitive flood damage to individual homes
  • work with homeowners throughout the County to develop applications to secure funding for elevations, acquisition, relocation, and reconstruction of homes.

A successful FMA project concludes with a new or retrofitted home that complies with all applicable codes replacing the damaged, below-base flood home.

Considerations for Homeowners

The FMA Program has many requirements and not all project costs are eligible. But the result can be a flood-resilient home.

Below are notable program requirements:

  • Participation in the application process and grant program is voluntary.
  • The program is a match program. TYPICALLY, the Federal Government provides 75 percent and the homeowner is required to provide 25 percent of the funding. 
  • To reduce or eliminate risk to the NFIP-insured properties, individual flood mitigation projects prioritize the mitigation of Severe Repetitive Loss (SRL) structures and Repetitive Loss (RL) structures over residential homes with no losses.
  • The grant only provides funding for eligible project costs. All eligible project costs, such as materials, labor, permits, and design should be part of the project budget. 
  • If you choose elevation, the home must be elevated above base flood level.
  • If you choose demolition/reconstruction, the square footage (SF) of the resulting structure shall be no more than 10 percent greater than that of the original structure. For example, if your existing structure was 1000 SF, then the new structure could be no more than 1,100 SF.
  • Flood insurance must be maintained for the life of the structure. Note: once the home is elevated or rebuilt to flood requirements, the flood insurance cost is much less than for a home that is not elevated or below flood requirements.
  • Mitigation reconstruction is only permitted for structures outside of the regulatory floodway or Coastal High Hazard Area (Zone V) as identified by the existing best available flood hazard data.

For more information and details on eligible costs, refer to FEMA’s Hazard Mitigation Assistance Guidance Addendum or speak with a Monroe County representative.

Application Process

Individual property owners apply for funding through Monroe County. Monroe County is the applicant. The County reviews all applications and submits them to FEMA for final approval.

What are the next steps?

  1. A DRAFT Flood Mitigation Assistance application has been developed, which will help you understand what you need to provide to participate in this type of grant.  As stated previously, the NOFO for this grant has not been issued, that is why the application is draft. Once we know all the final requirements under the NOFO, we will publish the final application and start accepting applications. We want to help you succeed, so we ask that you go ahead and submit the draft application so we can help you get ready for the final application. When the final application is ready you will need to redo it and resubmit it officially. 
  2. The FMA application will be reviewed by the County, State, and FEMA and awarded if it meets all required criteria.
  3. Work on the project may only begin in coordination with Monroe County after an approved grant agreement is awarded. It is important that no construction happens prior to the award of the grant.
  4. Contact FEMA to obtain historical information on the official flood losses for your property if you need assistance filling out page 3 “PROPERTY DAMAGE INFORMATION” and page 8 “Historical Loss Information” of the “Monroe County FMA Interest Application”.  This information is important because if your structure is designated as a REPETITIVE LOSS (RL) or SEVERE REPETITIVE LOSS (SRL) property, you have a lower-cost share as far as matching money for the grant.
    • Mail Form to FEMA Mapping and Insurance Exchange, 3601 Eisenhower Avenue, Suite 500, Alexandria, VA 22304-6426 or email it to fema-fmix@fema.dhs.gov.

Additional Information