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Flood Insurance 2.0 is a new way of rating insurance rates and FEMA has info on web about it. It will be determined by your property location specifically.
Please visit: https://www.fema.gov/flood-insurance/risk-rating for more information.
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Any Flood insurance backed by the National Flood Insurance Plan (NFIP) program will be eligible for to apply for the FMA program.
For more information about what’s covered and to find a policy visit FloodSmart.gov.
The grant will cover elevation of structure to 2 feet above the BFE (Base Flood Elevation). Be sure that when contractor’s quote your elevation, that they are raising the house at least 2 feet above BFE.
Quotes should be reflective of a turnkey process. This means the quote should include the cost to elevate the structure and to finish the job as well (disconnect reconnect utilities, wood landings at entrances, finalization of piers, pilings, or block wall, etc.).
Yes, the grant is funded by those with The National Flood Insurance Program (NFIP) insurance. So, you will need NFIP insurance. If you do not currently have flood insurance (NFIP), you won’t be able to participate this year, but the next year you can participate with an NFIP flood insurance policy on the structure.
To apply for the 2022 FMA Grant program, you would have to currently be insured through the National Flood Insurance Program. If you currently do not have insurance through NFIP you would not be able to apply until switching. Once you have insurance through NFIP, you would be eligible for the next FMA program cycle.
No, you are not obligated to follow through with the grant and can back out anytime. This program is voluntary. However, once your application is approved by FEMA, certain costs start to incur. There could be an out-of-pocket expense if preliminary work begins and you back out.
The grant will cover raising structures above base flood elevation or demolition/reconstruction of properties
If it’s a new house after 2018 the city will have it. You can reach out to the City's Building Official, Richard “Buddy” Schauland:
Email: firstname.lastname@example.org Phone: 904-495-6701
The presentation can be found at:
And at the link below:
Yes, with NFIP flood insurance. If you can’t make the time, we will offer the grant every year, and you may apply then.
Quality Engineering and Surveying will be developing the application. All call and emails can be directed to:
Structures requiring demolition within the city limits 48 years of age or older
Contact the Historic Preservation Division by emailing email@example.com for more information regarding historic property requirements or call:
The government will not have a lien on the home under normal circumstances. The only requirement is NFIP Flood Insurance is kept on the home moving forward.
If the Homeowner did not keep the Insurance on the home, FEMA would want to be reimbursed for the elevation, and if ignored FEMA could in theory put a lien on the home at that point.
But accepting the grant does not add an liens to your home or property.