Meeting National Flood Insurance Program (NFIP) requirements is the most cost-effective way to reduce the flood risk to new buildings and infrastructure.
FEMA provides tools and resources to help communities navigate NFIP requirements and implement higher standards of floodplain management. State and federal agencies, tribal governments, local communities and property owners have a role in reducing flood risk and helping communities become more resilient.
From states providing strong model ordinances, to communities adopting and enforcing higher-standard building practices, to property owners elevating their homes, everyone can play a part in making communities safer and more resistant to flood disasters.
Each year, flooding is the most common and costly disaster event across our nation. If the cost to repair is 50% or more of the market value, the structure is considered Substantially Damaged and must be brought into compliance with current local floodplain management standards.
Read the Substantial Damage Quick Guide