Flood Mitigation Assistance

Flood Mitigation Assistance Grants (National Flood Insurance Act Sec 1366)
CFDA 97.029 Active Project Grants

Open Opportunities (1)

Live Grants.gov opportunities funded under this program — you can apply now.

Program Funding

Annual program obligations reported to SAM.gov.

Latest annual funding (estimated)
$650M FY2024
$200M
FY20
$200M
FY21
$800M
FY22
$650M
FY23*
$650M
FY24*
* estimated

Who has received this funding

Organizations awarded under CFDA 97.029 (USAspending.gov).

Funded Projects

Examples of what this program has supported.

FY2023 Fiscal Year 2023:
FY 23 FMA is prioritizing the following types of projects: Capability and Capacity Building (C&CB), Localized Flood Risk Reduction Projects, and Individual Flood Mitigation Projects that mitigate flood risks to NFIP participating communities and active policyholders. FEMA will assess input and output indicators of each federal award by measuring the total properties mitigated that carry a Severe Repetitive Loss (SRL) and Repetitive Loss (RL) definition pursuant to 42 U.S.C. § 4104c(h)(2) and (3), that are included in a final mitigation action. FEMA will also assess each award output by measuring project capability to positively influence the government’s goal of mitigating SRL and RL designated properties and thereby the reduction of future losses to the NFIP under this award. FEMA will also assess each award output by measuring the total NFIP insured structures within sub applications within socially vulnerable communities as defined by Center for Disease Control and Prevention (CDC) Social Vulnerability Index (SVI ) score at the census tract not less than 0.5001.
FEMA will determine the CDC SVI score using the following three SVI themes: Socioeconomic Status, Household Characteristics, and Housing Type and Transportation.”

Program Objective

Objectives

The Flood Mitigation Assistance (FMA) grant program makes federal funds available to states, U.S. territories, Federally Recognized Tribal governments, and local governments to reduce or eliminate the risk of repetitive flood damage to buildings and structures insured under the National Flood Insurance Program (NFIP). It does so with a recognition of the growing flood hazards associated with climate change, and of the need for flood hazard risk mitigation activities that promote climate adaptation, equity, and resilience with respect to flooding. These include both acute extreme weather events and chronic stressors which have been observed and are expected to increase in intensity and frequency in the future. From Fiscal Year (FY) 1996 to FY 2019, FMA obligated over $1.5 billion in federal share mitigating over 8,000 properties insured by the National Flood Insurance Program.

Performance Measures
The following key performance indicators provide strategic and relevant information to decisionmakers and stakeholders about FMA’s progress and success toward achieving goals and objectives, and are based on measurable data that are available or could be feasibly collected:

• Total number of NFIP-insured properties selected that are FMA and/or NFIP defined Severe Repetitive Loss (SRL), Repetitive Loss (RL), and Substantially Damaged.
• Total federal cost share funding invested in Justice40 Communities identified using version 1.0 of the Climate and Economic Justice Screening Tool (CEJST).
• Total dollar amount of flood losses avoided in projects or communities funded by FMA subapplications.
FEMA will further assess the recipient’s performance against the program objective during the award closeout process as outlined in Section F.3.c of this funding opportunity.

Goals
The FMA program aligns with the 2020-2024 DHS Strategic Plan through pursuing Goal 5: Strengthen Preparedness and Resilience. Specifically, Objective 5.1: Build a National Culture of Preparedness has several sub-objectives that the FMA program supports. FMA serves primarily to bolster Sub-Objective 5.1.1: Incentivize investments that reduce risk and increase pre-disaster mitigation, including expanding the use of insurance to manage risk through funding flood mitigation projects. The FMA program addresses Presidential Policy Directive 21, Critical Infrastructure Security and Resilience. FMA also supports the National Mitigation Investment Strategy and the FIMA FY 2021-2023 Mitigation Strategy by advancing mitigation investment to reduce risks posed by natural hazards and increasing the nation’s resilience to natural hazards. Awards made under this NOFO will be funded, in whole or in part, with funds appropriated by the Infrastructure Investment and Jobs Act, also more commonly known as the Bipartisan Infrastructure Law (BIL). The BIL is a once-in-a-generation investment in infrastructure, which will grow a more sustainable, resilient, and equitable economy by enhancing U.S. competitiveness, driving the creation of quality jobs, and ensuring stronger access to economic and environmental benefits for disadvantaged communities. The BIL appropriates billions of dollars to FEMA to promote resilient infrastructure, respond to the impacts of climate change, and equip our nation with the resources to combat its most pressing threats. Objectives FMA aims to implement projects that reduce flood risks posed to repetitively flooded properties insured under the NFIP. The FMA program also aims to promote equity in the delivery of funds in line with the Administration’s Justice40 Initiative, established by Executive Order (EO) 14008: Tackling the Climate Crisis at Home and Abroad, which has made it the goal that 40% of the overall benefits of certain federal climate, clean energy, and other investments flow to disadvantaged communities that are marginalized and overburdened by pollution and underinvestment. In implementing the Justice40 Initiative, the FMA program is prioritizing assistance that benefits disadvantaged communities as referenced in EO 14008 and subsequent guidance. FMA funds are sourced from congressionally appropriated funding from the National Flood Insurance Fund (NFIF) as well as funding made available for FY 23 Flood Mitigation Assistance via the Infrastructure Investment and Jobs Act (IIJA). The BIL funding allows increased federal cost share for a property: located within a census tract with a Centers for Disease Control and Prevention Social Vulnerability Index score of not less than 0.5001. (Refer to Section C.4, Cost Share or Match).

Eligibility

Eligible Applicants

  • Government (general)
  • State governments
  • Federally recognized tribes
  • U.S. territories (incl. universities)

Each state, territory, the District of Columbia, and federally recognized tribal government shall designate one agency to serve as the applicant for FMA funding. The designee is strongly encouraged to conduct outreach with disadvantaged communities as referenced in EO 14008 prior to and during the application process. Each applicant’s designated agency may submit only one FMA grant application to FEMA. Subapplications under which two or more entities would carry out the award are eligible, such as a multi-state or multi-tribal initiative; however, only one entity may be the applicant with primary responsibility for carrying out the award. Communities, including local governments, cities, townships, counties, special district governments, and tribal governments (including federally recognized tribes who choose to apply as subapplicants), are considered subapplicants and must submit subapplications to their state/territory/tribal applicant agency. Certain political subdivisions (for example, regional flood control districts or county governments) may apply and act as subapplicants if they are part of a community participating in the NFIP where the political subdivision provides zoning and building code enforcement or planning and community development professional services for that community. Contact information for the State Hazard Mitigation Officers (SHMOs) is provided on the FEMA website at https://www.fema.gov/grants/mitigation/state-contacts. Eligibility Criteria • All applicants and subapplicants must be participating in the NFIP, and not be withdrawn, on probation, or suspended. NFIP community status can be verified at https://www.fema.gov/national-flood-insuranceprogram-community-status-book. • Structures identified in the subapplication must have an NFIP policy (including a Group Flood Insurance Policy [GFIP]) in effect prior to the opening of the application period and the policy must be maintained throughout the life of the structure. The requirement of maintaining flood insurance shall apply during the life of the property, regardless of transfer of ownership of such property. If the subapplicant does not comply with this requirement, FEMA may take one or more actions as remedies for noncompliance, as appropriate. This could include disallowing all or part of the cost of the activity or action not in compliance. For additional details, see 2 C.F.R. § 200.339. • Applicants are required to have a FEMA-approved State or Tribal Hazard Mitigation Plan in accordance with Title 44 of the Code of Federal Regulations (C.F.R.) Part 201 by the application deadline and at the time of obligation of the award. More detailed information is provided in Part III, E.5, Hazard Mitigation Plan Requirement, of the HMA Guidance, available on the FEMA website at https://www.fema.gov/media-library/assets/documents/103279. • Subapplicants are required to have a FEMA-approved Local or Tribal Hazard Mitigation Plan in accordance with 44 C.F.R. Part 201 by the application deadline and at the time of obligation of grant funds for Capability and Capacity Building activities, Localized Flood Risk Reduction Project, and Individual Flood Mitigation Project subapplications. Mitigation planning subapplications are exempt from the hazard mitigation plan requirement for subapplicants only. Mitigation plan integration, while not required to be eligible for FMA, is encouraged. Local hazard mitigation plans must conform to the Local Plan Review Guide, or any subsequent local mitigation planning guide that supersedes it. • To be considered for financial assistance, all applicants must submit their FY 2023 FMA grant applications to FEMA via FEMA GO. Refer to the NOFO posted on www.Grants.gov for information on eligibility criteria.

Beneficiaries

  • 10
  • 11
  • 20
  • 33
  • 34
  • 4
  • 5
  • 9

Each state, territory, the District of Columbia, and federally recognized tribal government shall designate one agency to serve as the applicant for FMA funding. The designee is strongly encouraged to conduct outreach with disadvantaged communities as referenced in EO 14008 prior to and during the application process. Each applicant’s designated agency may submit only one FMA grant application to FEMA. Subapplications under which two or more entities would carry out the award are eligible, such as a multi-state or multi-tribal initiative; however, only one entity may be the applicant with primary responsibility for carrying out the award.
Communities, including local governments, cities, townships, counties, special district governments, and tribal governments (including federally recognized tribes who choose to apply as subapplicants), are considered subapplicants and must submit subapplications to their state/territory/tribal applicant agency. Certain political subdivisions (for example, regional flood control districts or county governments) may apply and act as subapplicants if they are part of a community participating in the NFIP where the political subdivision provides zoning and building code enforcement or planning and community development professional services for that community. Contact information for the State Hazard Mitigation Officers (SHMOs) is provided on the FEMA website at https://www.fema.gov/grants/mitigation/state-contacts.
Refer to the NOFO posted on www.Grants.gov for information.

How to Apply

Application Procedure

All applicants must submit an FMA grant application via FEMA GO by the application deadline to be considered for funding. The required format for applications and subapplications is built into FEMA GO:
• FMA applications including Capability and Capacity Building Activities (Mitigation Plan Development under 42 U.S.C. 4104c(c)(3)(F), Technical Assistance by States to communities (42 U.S.C. 4104c(c)(3)(J)), Project Scoping, Additional Capability and Capacity Building Activities (including Partnership Development to Conduct Eligible Mitigation Activities, Enhancing Local Floodplain Management, SRL/RL Strategy Development, and other eligible Capability and Capacity Building Activities under 42 U.S.C. 4104c(c)(3)(G)), Localized Flood Risk Reduction Project, Individual Flood Mitigation Project, and Management Costs subapplications must be submitted in an FY 2023 FMA application.
o Mitigation Plan Development activities must be submitted in a plan subapplication type.
o Project Scoping activities must be submitted in a project scoping application type.
o Technical Assistance by States to communities (42 U.S.C. 4104c(c)(3)(J) must be submitted in a technical assistance subapplication.
o Additional Capability and Capacity Building Activities must be submitted in a technical assistance subapplication.
o Localized Flood Risk Reduction Project and Individual Flood Mitigation Project must be submitted in a project subapplication.
• Applicant Management Costs must be submitted in a management costs subapplication.

Award Procedure

Applications are reviewed by DHS/FEMA program and administrative staff. Any issues or concerns noted in the application will be negotiated with the successful applicant prior to the award being issued. Applicants are responsible for distributing funds to sub-applicants. Upon award the Applicant is subsequently referred to as the Recipient. Recipients are responsible for distributing funds to subrecipients. For more information view the Notices of Funding Opportunities posted on www.Grants.gov

Decision Timeline

  • Appeal: From 30 to 60 days

Please see the NOFO Announcement posted on www.Grants.gov.

Program details & compliance

Description

The FMA grant program makes federal funds available to states, U.S. territories, Federally Recognized Tribal governments, and local governments to reduce or eliminate the risk of repetitive flood damage to buildings and structures insured under the National Flood Insurance Program.

Use of Funds

Allowed Uses

Civil Defense/Disaster Prevention and Relief/Emergency Preparedness Flood mitigation projects to reduce or eliminate the long-term risk of flood damage to properties insured under the National Flood Insurance Program (NFIP) are eligible for the FMA program. Eligible project types include: acquisition-demolition and acquisition-relocation; elevation of existing structures to the Base Flood Elevation (BFE) or an Advisory Base Flood Elevation (ABFE) or higher; minor localized flood risk reduction projects; and dry-flood proofing (historic properties and non-residential structures). FMA funds can only be used for the flood hazard component of a hazard mitigation plan that meets the planning criteria outlined in 44 CFR Part 201. See also 44 CFR 79.6(b),(d)(1). Individual planning grants using FMA funds shall not exceed $50,000 to any applicant or $25,000 to any subapplicant. Projects must meet all eligibility criteria including technical feasibility, cost-effectiveness; compliance with environmental and historic preservation laws and regulations which include Environmental and Historic Preservation (EHP) Directive & Instruction (FEMA Directive 108-1& Instruction 108--1-1) and other program requirements. Please see the Hazard Mitigation Assistance Guidance posted on http://www.fema.gov and refer to the NOFO posted on www.Grants.gov for information. Projects must meet all eligibility criteria including technical feasibility, cost-effectiveness; compliance with environmental and historic preservation laws and regulations which include Environmental and Historic Preservation (EHP) Directive & Instruction (FEMA Directive 108-1& Instruction 108--1-1) and other program requirements. Please see the Hazard Mitigation Assistance (HMA) program guidance on the FEMA website for detailed information: http://www.fema.gov/media-library/assets/documents/103279.

Required Documentation

Documentation required will be outlined in other program implementation material and included in the Notices of Funding Opportunity Opportunities (NOFO) posted on www.Grants.gov

Matching Requirements

Cost share is required for most subapplications funded under this program. FEMA may contribute the federal cost share funding if available, as follows:
i. Capability and Capacity Building Activities federal cost share options:
a. Up to 90% federal cost share funding if the average Centers for Disease Control and Prevention (CDC) Social Vulnerability Index (SVI ) score is not less than 0.5001 for the benefiting area(s) substantiated by a benefiting area map. The activity must be funded by the BIL, or

b. Up to 75% federal cost share funding if a higher federal cost share is not available.

ii. Localized Flood Risk Reduction Project federal cost share options:
a. Up to 90% federal cost share funding if the average CDC SVI score is not less than 0.5001 for the project benefiting area containing NFIP-insured properties, and the activity must be funded by the BIL, or

b. Up to 75% federal cost share funding if a higher cost share is not available.

iii. Individual Flood Mitigation Project federal cost share options and definitions:
a. Up to 100% federal cost share funding for FMA defined Severe Repetitive Loss (SRL) (B)(i) or (B)(ii) properties in 42 U.S.C. § 4104c(h)(3), is a structure that:

i. Is covered under a contract for flood insurance made available under the NFIP; and

ii. Has incurred flood-related damage
1. ((B)(i)) For which four or more separate claims payments (includes building and contents) have been made under flood insurance coverage with the amount of each such claim exceeding $5,000, and with the cumulative amount of such claim payments exceeding $20,000, or

2. ((B)(ii)) For which at least two separate claims payments (includes only building) have been made under such coverage, with the cumulative amount of such claims exceeding the market value of the insured structure.

iii. To receive an increased federal cost share under these provisions, properties must meet the FMA SRL definition. Applicants and subapplicants that are requesting an increased federal cost share must submit documentation with their application or subapplication demonstrating that properties meet the definition.

b. Up to 90% federal cost share funding for FMA defined Repetitive Loss (RL) properties in 42 U.S.C. § 4121(a)(7) is a structure covered by a contract for flood insurance made available under the NFIP that:

i. Has incurred flood-related damage on two occasions, in which the cost of the repair, on the average, equaled or exceeded 25 percent of the market value of the structure at the time of each such flood event; and

ii. At the time of the second incidence of flood-related damage, the contract for flood insurance contains Increased Cost of Compliance (ICC) coverage.

iii. To receive an increased federal cost share under these provisions, properties must meet the FMA RL definition. Applicants and subapplicants that are requesting an increased federal cost share must submit documentation with their application or subapplication demonstrating that properties meet this definition.

c. Up to 90% federal cost share funding for each NFIP-insured property located within a census tract with a CDC SVI score is not less than 0.5001, and the activity must be funded by the BIL, or

d. Up to 75% federal cost share funding if a higher federal cost share is not available.
To note, the Individual Flood Mitigation Project’s Repetitive Loss (RL) 90% federal cost share and the Severe Repetitive Loss (SRL) 100% federal cost share options are only eligible for those NFIP properties meeting FMA definitions under 42 U.S.C. § 4104c(h)(3) and 42 U.S.C. § 4121(a)(7). These federal cost shares are not available for NFIP defined SRL and RL properties.
Generally, the cost share for this program is 75% federal cost share and 25% non-federal cost share. This means federal funding is available for up to 75% of eligible costs. The remaining 25% of eligible costs must be derived from non-federal sources. For example, if the total cost of the activity is $400,000 and the non-federal cost share is 25%, then the non-federal contribution is $100,000: 25%of $400,000 is $100,000. The non-federal contribution would be provided by the applicant or subapplicant. Likewise, the federal cost share of that activity would be $300,000: 75% of $400,000 is $300,000. The federal contribution would be provided by FEMA. FEMA may consider the non-federal cost share based on availability of remaining federal funds, as noted in Section E, Application Review Information of this funding opportunity
As a result of FMA funding made available under the BIL, FEMA may contribute up to 90% federal cost share for qualifying FY 2023 funding priorities and criteria. Subapplicants and applicants can view their CDC SVI score at: https://www.atsdr.cdc.gov/placeandhealth/svi/data_documentation_download.html. When BIL funding is exhausted, the enhanced cost share for properties with CDC SVI not less than 0.5001 as defined in BIL cannot be extended to the remaining fu

Reporting & Compliance

Audit Required
Yes

Applicable 2 CFR 200 Subparts

  • Subpart B — General Provisions
  • Subpart C — Pre-Federal Award Requirements
  • Subpart D — Post-Federal Award Requirements
  • Subpart E — Cost Principles
  • Subpart F — Audit Requirements

Contacts

Gerilee Bennett — Director, Hazard Mitigation Assistance Division
202-646-4173
400 C Street SW, Washington, DC 20472
Data from SAM.gov Federal Assistance Listings. Source published: 2023-09-20. Spec v1.0. Last synced: 2026-06-02 02:44:26.