When You Apply for Flood Mitigation Assistance Funds

Using FEMA GO to Apply

Cost Share or Non-Federal Match

Project Scoping

Environmental & Historic Requirements

Showing Cost-Effectiveness

Management Costs

To apply for fiscal year (FY) 2022 Flood Mitigation Assistance (FMA) funding, please note the following application deadlines:

Subapplicants have earlier deadlines and should check with their State Hazard Mitigation Officer or Applicant Office.

Eligible applicants and subapplicants must apply for funding using the new grants management system: FEMA GO. Flood Mitigation Assistance will not accept paper applications. FEMA GO replaced eGrants for the Flood Mitigation Assistance grant program.

Learn more about the FEMA GO system, including user guides and templates. Or directly access the FEMA GO portal.

Please note that FEMA deadlines listed refer to application deadlines for the applicants. Subapplicants should check with their applicant agency to confirm their deadlines.

Cost Share or Non-Federal Match

Cost share is required for all subapplications funded by the Flood Mitigation Assistance (FMA) program. Generally, the cost share for this program is 75% federal/25% non-federal. Contributions of cash, third-party in-kind services, materials, or any combination thereof, may be accepted as part of the non-federal cost share. Learn more about cost share.

Cost Share Information Specific for Flood Mitigation Assistance

Generally, federal cost share funding is available for up to 75% of the eligible activity costs. However, FEMA may contribute increased federal cost share for properties that are insured under the National Flood Insurance Program (NFIP) at the time of application and meet the definitions of Severe Repetitive Loss (SRL) or Repetitive Loss (RL).

FEMA may contribute up to 90% federal cost share (for eligible costs) for activities or projects that impact properties with NFIP insurance that are located within a census tract with a Centers for Disease Control and Prevention (CDC) Social Vulnerability Index (SVI) score of not less than 0.5. Applicants and subapplicants can view their community’s CDC SVI score on the CDC’s website.

Severe Repetitive Loss Federal Cost Share Information

FEMA may contribute 100% federal cost share. The Biggert-Waters Flood Insurance Reform Act of 2012 updated the definition of a Severe Repetitive Loss (SRL) property. This includes:

(a)  A current National Flood Insurance Program (NFIP) policy is in effect for both building and contents coverage. The property must have incurred flood-related damage with the following criteria:

1. Four or more separate claims payments (includes building and contents) have been made under flood insurance coverage. The amount of each such claim must exceed $5,000, and the cumulative amount of such claims payments must exceed $20,000; or
2. At least two separate claims payments (includes only building coverage) with the cumulative amount of such claims exceeding the market value of the insured structure.

Repetitive Loss Federal Cost Share Information

FEMA may contribute up to 90% federal cost share. A Repetitive Loss (RL) property is defined by a flood insurance policy issued for the National Flood Insurance Insurance Program (NFIP).  The definition includes the following two items:

• Incurred flood-related damage on two occasions, in which the cost of the repair, on the average, was at least 25% of the market value of the structure at the time of each such flood event. 
• At the time of the second incidence of flood-related damage, the contract for flood insurance contains Increased Cost of Compliance (ICC) coverage.

Capability- and-Capacity-Building Activities enhance the knowledge, skills, expertise, etc., of the current workforce to expand or improve the administration of Flood Mitigation Assistance. These activities may be used to develop future Localized Flood Risk Reduction Projects and/or Individual Flood Mitigation Projects that will subsequently reduce flood National Flood Insurance Program (NFIP) claims. The funding order for Capability- and-Capacity-Building Activities is as follows:

• Multi-Hazard Mitigation Plans
• Technical Assistance to States available for recipients to which FEMA obligated an award of at least $1 million in federal cost share funding
• Project Scoping to develop Localized Flood Risk Reduction Projects and/or Individual Flood Mitigation Projects that will subsequently reduce flood claims against the National Flood Insurance Program.
• Additional Capability- and Capacity-Building Activities including Partnership Development, Enhancing Local Floodplain Management, Severe Repetitive Loss /Repetitive Loss Strategy Plan Development, and other eligible C&CB activities.

This document lays out project requirement details and scoring criteria: Flood Mitigation Assistance - Capability and Capacity Building Activities Fact Sheet.

Localized flood risk reduction projects address localized flood risk for the purpose of reducing National Flood Insurance Program (NFIP) flood claim payment. This document will provide details on project requirements and scoring criteria: Flood Mitigation Assistance – Localized Flood Risk Reduction Projects Fact Sheet.

Subapplications submitted under the Localized Flood Risk Reduction Project category must demonstrate that the proposed project benefits NFIP insured properties by submitting a map and associated geospatial file(s) (e.g., Shapefile, Keyhold Markup Language (KML)/Keyhold Markup Language zipped (KMZ). This job aid lays out how to create a benefiting area map to submit with a project subapplication: Flood Mitigation Grant Applications Geospatial File Eligibility Criteria Job Aid.

To learn more, refer to Localized Flood Risk Reduction Projects in the FY 2015 Hazard Mitigation Guidance.

Individual flood mitigation projects are those that reduce the risk of flooding to individual NFIP-insured structures. These project types include Acquisition; Acquisition Relocation; Relocation; Elevation; Mitigation Reconstruction; and Dry Floodproofing of historic or commercial structures.

Properties in a project subapplication for FMA funding must be NFIP-insured at the time of the application opening date. The owner must have flood insurance during the mitigation activity and for the life of the structure. This document will provide details on project requirements and scoring criteria: Flood Mitigation Assistance – individual flood mitigation projects.

To learn more on individual flood mitigation project types, refer to

• FY 2015 HMA Guidance Addendum
• Acquisition Technical Review Job Aid
• Elevation Technical Review Job Aid
• Elevation Technical Supplement-EHP

For FMA funding, a project must comply with all applicable EHP laws, executive orders (EOs) and regulations to assess the impacts of a proposed project on physical, cultural, biological and social resources. All FMA project subapplications must undergo an EHP review prior to award.

The National Environmental Policy Act (NEPA) requires FEMA and other federal agencies to assess the environmental impacts of alternatives to a proposed project. FEMA must also ensure a proposed project meets the requirements of other federal laws and EOs. These include the Clean Water Act; Endangered Species Act; National Historic Preservation Act; EO 11988 Floodplain Management; and EO 11990 Protection of Wetlands.

Applicants should consider EHP impacts early in the Project Scoping and development stages. This will help reduce impacts and avoid delays and other costs at later stages. Early environmental planning, including possible conservation and mitigation measures that the project can take to reduce harms, may also speed up the EHP review process.

Some project types do not require an EHP review under NEPA if they are listed as a Categorical Exclusion; they would not lead to a major environmental impact.

When scoping a project, applicants and subapplicants should complete the EHP Checklist. This includes understanding where impacts could be reduced. FEMA refers to thinking about EHP impacts as early as possible as “EHP frontloading.” Find guidance on EHP frontloading during application development.

Flood risk reduction projects are meant to lessen the frequency or depth of flooding. These projects involve activities such as installing or modifying culverts and other stormwater management facilities; building or modifying retention and detention basins; applying nature-based solutions; and building or modifying floodwalls, dams and weirs. Flood risk reduction projects may affect floodplain resources. They may also change flood elevations or extend both upstream and downstream from the project.

The methods used to construct a flood risk reduction project may lead to erosion and sedimentation. They can also affect species or human communities. Ground disturbance could affect archaeological resources, soils or utilities. Major flood control construction projects may require more in-depth NEPA analysis via an Environmental Assessment or Environmental Impact Statement.

Localized Flood Risk Reduction Projects subapplication are assessed for incorporation of nature-based solutions with a priority scoring criterion. To receive the point allotment for this criterion, the subapplication must describe how the project entails one or more nature-based solutions. These are sustainable environmental management practices that restore, mimic or enhance nature and natural systems or processes. They support natural hazard risk mitigation. They also support economic, environmental and social resilience efforts.

Nature-based solutions use approaches that include restoration of grasslands, rivers, floodplains, wetlands, dunes and reefs; living shorelines; soil stabilization; aquifer storage and recovery; and bioretention systems.

Applicants and subapplicants applying for hazard mitigation projects (Localized Flood Risk Reduction Projects or Individual Flood Mitigation Projects) must provide a Benefit-Cost Analysis (BCA) or other documentation that validates cost-effectiveness. Benefit-Cost Analysis (BCA) determines the future risk reduction benefits of a hazard mitigation project. It then compares those benefits to its costs. The result is a benefit-cost ratio. A project is deemed cost-effective when the benefit-cost ratio is at least 1.0.  

FEMA’s Benefit Cost Toolkit is available online. A non-FEMA BCA methodology may only be used if pre-approved by FEMA in writing.

Structure acquisitions and elevations located in the Special Flood Hazard Area (SFHA) may use pre-calculated benefits to determine cost effectiveness. Acquisitions of Repetitive Loss (RL) and Severe Repetitive Loss (SRL) properties regardless of their location in the SFHA may also use pre-calculated benefits to determine cost effectiveness. Learn more about pre-calculated benefits.

Management costs are any indirect costs, direct administrative costs, and other administrative expenses that are reasonably incurred in administering an award or subaward.

Eligible management cost activities may include:

• Solicitation, review and processing of subapplications and subawards.
• Subapplication development and technical assistance for feasibility and effectiveness and BCA.
• Geocoding mitigation projects that FEMA has identified for further review.
• Delivery of technical assistance (e.g., plan reviews, planning workshops, training) to support the execution of mitigation activities.
• Managing awards (e.g., quarterly reporting, closeout).
• Technical monitoring (e.g., site visits, technical meetings).
• Purchase of equipment; per diem and travel expenses; and professional development that is directly related to the execution of HMA programs.
• Staff salary costs directly related to performing the activities listed above.