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Posted on: September 2, 2022


room with flooded waters in the downstairs with stairs in the background

Monroe County is seeking applicants for a federal grant program that helps fund homeowners in elevating their insured homes above minimum flood elevation requirements to decrease the risk of floods during storms and disasters. Funding is also available to sell out a home, or demolish and rebuild above minimum flood elevation. The program is funded by the Federal Emergency Management Agency (FEMA) and is called the Flood Mitigation Assistance (FMA) program. Those interested in applying for this year’s grant cycle may do so until Nov. 2, 2022 at 4 p.m. Applications submitted after this deadline will not be considered for funding in this current year, but may be considered in future years. At least $400 million is available nationwide for individual flood mitigation projects that lessen the risk of flooding to individual National Flood Insurance Program (NFIP)-insured structures.

The funding can be used for home elevation, acquisition, and reconstruction to assist private property owners in mitigating future flood loss for homes in incorporated and unincorporated Monroe County. Applicants must have NFIP-backed flood insurance on the structure at the time of application (by Sept. 30, 2022) and maintain flood insurance throughout the mitigation process and for the structure’s life. Applicants can choose from three options: 

  • Elevating (lifting) your home, 
  • Selling to the County and returning the land to its natural state, or 
  • Demolishing your home and rebuilding an NFIP-compliant, insured structure. 

Generally, the federal grant funds approximately 75 percent of eligible activity costs. In some cases, the amount can be more than 75 percent for Severe Repetitive Loss or Repetitive Loss properties. The property owner would be responsible for the part not covered by the grant. FEMA will select eligible project applications on a competitive basis.

Additional information about the program is at Interested parties can review the FY 2022 FMA Grant Program Fact Sheet and see example budgets and other program details. Mike Lalbachan, Monroe County Mitigation Administrator, is also available to assist with questions and the application process. His contact information is 305-453-8796 or

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