FEMA's Region III Mitigation Division strives to create safer communities by reducing the risks to loss of life and property. Mitigation programs enable individuals to recover more quickly from floods and other disasters and lessen the financial impact of disasters on the nation.
The following branches fall under the Mitigation Division:
Risk Analysis Branch
Risk analysis promotes disaster resilience by enabling individuals and communities to recover more rapidly from floods and other disasters through effective risk analysis of natural hazards through flood mapping and hazard mitigation planning. To view flood maps and related products, please visit the Map Service Center. For specific information on FEMA Region III's RiskMAP efforts, please visit www.FEMA.gov/risk-map-region-iii.
Hazard Mitigation Assistance Branch
Risk reduction creates safer communities by proactively reducing risk and enhancing the capability of states and local communities to reduce their risk from natural hazards. FEMA has authority for three Hazard Mitigation Assistance grant programs with statutory and regulatory authorities, program requirements and triggers for funding. The programs are the Hazard Mitigation Grant Program (HMGP), Pre-Disaster Mitigation (PDM), and Flood Mitigation Assistance (FMA). They all share a common goal-to assist state and local communities in their efforts to reduce the loss of life and property from future natural hazard events.
Floodplain Management and Insurance Branch
The Floodplain Management and Insurance Branch administers the floodplain management and insurance aspects of the National Flood Insurance Program (NFIP). These programs focus on state and local building codes and zoning regulations to assure that new development and substantial improvements located in a floodplain are constructed to prevent or minimize future flood damage. Under the insurance part of the program, this office provides oversight of flood insurance training programs and outreach efforts for insurance agents, lenders and property owners throughout the region.
For more information, please visit FEMA.gov/region-iii-floodplain-management.
Environmental Planning and Historic Preservation Program (EHP)
The Environmental Planning and Historic Preservation (EHP) program integrates the protection and enhancement of environmental, historic, and cultural resources into FEMA's mission, programs and activities. It ensures that FEMA's activities including facility management, Public and Individual Assistance programs, and all Hazard Mitigation and Emergency Preparedness grants comply with federal environmental and historic preservation laws and executive orders. EHP also provides environmental and historic preservation technical assistance to FEMA staff, local, state and federal partners.
Flood Insurance: What You Should Know
Did you know?
- Just one inch of flooding could cost up to $25,000 in damages.
- 98% of counties across the United States have experienced flooding.
- Over 20% of flood claims come from flood events outside the high risk flood zones.
- The average flood claim payout is $43,000, and the average annual premium for insurance is $700.
- Flooding can, and does, occur everywhere, including areas outside the designated flood zones on FEMA's Flood Insurance Rate Maps (FIRMs).
- Anyone can buy flood insurance, even if you don't live in a designated flood zone.
Flooding is one of the costliest disasters across the United States. Take time to review your insurance policy coverage, and talk to your agent about purchasing insurance to protect yourself and your property. Additional resources:
- FloodSmart – Website for the National Flood Insurance Program (NFIP). Individuals can contact their insurance agent directly or the NFIP Help Center at 800-427-4661.
- National Flood Insurance Program (NFIP) - FEMA’s website includes information on the NFIP for property owners, insurance agents, lenders, and more.
- FEMA's Map Service Center (MSC) - FEMA’s Map Service Center (MSC) allows anyone to search for flood maps and related products by state, county, or even individual addresses. Understanding the flood maps will help with understanding the location of high risk flood zones and your own risk.
- Data Visualization: Historical Flood Risks and Cost - These interactive tools help individuals, business owners, and others to better understand their flood risk to make informed decisions.