Fiscal Year 2026 Flood Mitigation Assistance
🏛 Department of Homeland Security - FEMA (DHS-DHS)
✓ Free, no account · Source: Grants.gov · Last verified Oct 22, 2026
Can you apply?
This grant is for state agencies, U.S. territories, federally recognized tribal governments, and local governments seeking to reduce repetitive flood damage to NFIP-insured buildings. Local governments must apply through their state or territory. Geographic coverage includes all 50 states, U.S. territories, and the District of Columbia. Eligible activities include flood mitigation projects, property acquisition, elevation, floodproofing, and nature-based solutions that lower flood risk to NFIP policyholders.
Cost sharing is required. Applicants must demonstrate commitment through matching funds or in-kind contributions. The program prioritizes projects benefiting low-income and disadvantaged communities. Priority is given to repetitive loss properties and communities with high flood risk.
⚖️ Cost sharing / matching required — applicants must contribute their own funds.
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Program description
The Flood Mitigation Assistance (FMA) grant program provides federal funds to states, U.S. territories, federally recognized tribal governments, and local governments. The goal is to reduce or eliminate the risk of repetitive flood damage to buildings and structures insured by the National Flood Insurance Program (NFIP) in participating communities. FMA funds a variety of flood mitigation activities to lower flood risk to policyholders and reduce the NFIP’s financial exposure.
Who can apply
Eligible applicants
How to apply
Application links
Key dates & requirements
Required documents
- SF-424 (Application for Federal Assistance)
- Project narrative with flood mitigation strategy
- Detailed project budget and cost-sharing documentation
- NFIP loss history for affected properties
- Flood maps and flood risk assessment
- Letters of commitment from cost-sharing partners
- Environmental review documentation (NEPA compliance)
Program contact
- 👤 Mariano Almonte Grantor
- 📧 femago@fema.dhs.gov
- 📞 2023226443
Funding track record
Recent awards under CFDA 97.029 from the last 3 years — real organizations that won funding through this same program.
Top 10 Largest Recent Awards
-
$123,722,798
-
$93,376,278
-
$68,757,848
-
$68,093,583
-
$57,849,565
-
$54,810,895
-
$52,704,480
-
$52,282,027
-
$49,222,524
-
$48,152,200
Top States by Funding
- LA 24 awards $617.1M
- TX 21 awards $385.6M
- NJ 12 awards $133.9M
- FL 11 awards $55.2M
- OH 4 awards $34.0M
Source: USAspending.gov — federal spending transparency. Data covers last 3 years.
Funding history
Annual funding for this program — Federal obligations (CFDA 97.029). How funding has trended year over year.
| 2020 | $200,000,000 | |
| 2021 | $200,000,000 | |
| 2022 | $800,000,000 | |
| 2023 est. | $650,000,000 | |
| 2024 est. | $650,000,000 |
FAQ
Who is eligible to apply for FMA grants?
States, territories, tribal governments, and local governments can apply. Local governments must apply through their state or territory.
What types of projects does FMA fund?
The program funds flood mitigation activities including property acquisition, elevation, floodproofing, nature-based solutions, and improvements that reduce repetitive flood damage to NFIP-insured structures.
Is cost sharing required?
Yes, cost sharing is required. You must provide matching funds or in-kind contributions. Check your state's guidelines for the specific percentage required.
What is the application deadline?
The deadline is February 26, 2027. Check FEMA's website for any extension announcements.
How competitive is this funding?
FMA is highly competitive. Projects affecting repetitive loss properties and low-income communities score better. Strong documentation of flood risk and mitigation effectiveness improves competitiveness.
💡 Tips for applicants
- Prioritize projects that address repetitive loss properties. FEMA prioritizes communities where the same structures flood multiple times.
- Document baseline flood risk clearly using flood maps, NFIP claim history, and climate data. This demonstrates the problem your project solves.
- Include detailed cost estimates and construction timelines. Vague budgets weaken applications significantly.
- Emphasize community benefits beyond flood protection. Highlight job creation, environmental restoration, or public health improvements.
- Coordinate with your state agency early. State approval timelines vary, and delays can jeopardize your application.
⚠️ Common mistakes
Failing to secure cost-sharing commitment before submission. Reviewers reject applications lacking clear matching funds or in-kind contributions. Underestimating project complexity or timeline. Vague descriptions of flood mitigation activities waste reviewer time and reduce competitiveness. Insufficient documentation of current flood risk or repetitive loss history. Applications without NFIP claim data or clear baseline conditions score poorly.
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