FEMA Flood Mitigation Assistance Grant Program
FMA Program Training Opportunities
The 2021 Building Resilient Infrastructure and Communities (BRIC) and Flood Mitigation Assistance (FMA) Programs' Webinar Series, hosted by FEMA's Hazard Mitigation Assistance (HMA) Division, will run from July 28th through October.
The series brings FEMA subject-matter experts and partners together to provide technical information, best practices, tools and resources about the FMA and BRIC programs. The webinars are designed for leaders in states, local communities, tribes and territories, as well as private sector entities, private non-profit organizations, and individuals interested in learning more about the BRIC and FMA grant programs and strategies for how to apply for them to meet their communities' needs.
FY20 FMA Notice of Funding Opportunity
FY20 FMA Notice of Funding Opportunity Fact Sheet
FY20 FMA Notice of Funding Opportunity Subapplication Timeline
FEMA Grants Outcomes (FEMA GO) User Guide
FY21 FMA Webinar Training Series Schedule
The Flood Mitigation Assistance (FMA) grant program under the Federal Emergency Management Agency (FEMA), provides federal funding to help states and communities pay for cost effective ways to reduce or eliminate the long-term risk of flood damage to structures that are insured under the National Flood Insurance Program (NFIP). The Texas Water Development Board administers the FMA grant program for the State of Texas on behalf of FEMA.
Goals of the FMA program include reducing or eliminating:
- repeated claims under the NFIP, and
- the dependence on taxpayer-funded federal disaster assistance for disaster recovery.
The FMA program funds are allocated to political subdivisions (Cities, Counties, Special Districts, etc.). Homeowners cannot apply directly to the TWDB or FEMA for an FMA grant. Homeowners may contact their local floodplain administrator, or other local officials to find out about their community's interest in applying for an FMA grant.
The FMA program is a nationally competitive grant program with limited funds each year. Generally, the political subdivision will develop an application (referred to as a subapplication) on behalf of homeowners and submit it to the TWDB. FEMA chooses the subapplications to fund based on specific criteria including the eligibility of the proposed project for program funds that year, the cost-effectiveness of the proposed project, and the most effective use of grant funds. Projects and plans that offer the best savings to the NFIP over time will be the most successful.
More specific information on the details of the FMA funding cycle can be found in FEMA's FMA Notice of Funding Opportunity (NOFO). NOFOs are published for each grant cycle, approximately 60 days before the application start date. The FMA NOFO may also be found on grants.gov. More detailed and technical information on the FMA grant program is in the Hazard Mitigation Assistance Guidance and its addendum.
The Flood Mitigation Assistance Grant application period for FY21 is anticipated to open early October 2021. The TWDB recommends communities begin gathering the information required for a complete subapplication as early as possible. Preparation for a subapplication may call for extensive collaboration between homeowners, occupants, and community officials in gathering the required documentation. Required documents are project specific. Lists of the items required for the three most common types pf project subapplications are:
The FMA grant program funds two main categories of activities: planning and project grants
- FMA Planning Grants: To develop or update the Flood Hazard component of a community's Multi-Hazard Mitigation Plan.
- FMA Project Grants: To implement cost effective measures that reduce or eliminate the long-term risk of flood damage to buildings insured under the NFIP. Project grants can be used for but are not limited to:
- acquisition and demolition or relocation of structures,
- structure elevation,
- mitigation reconstruction,
- localized flood reduction projects,
- dry flood-proofing of non-residential properties and historic residential properties,
- structural retrofitting of existing buildings,
- non-structural retrofitting of existing buildings and facilities,
- infrastructure retrofit, and
- soil stabilization.
Planning subapplications must be used only to support the flood hazard portion of State, tribal, or local mitigation plans, to meet the requirements outlined in 44 CFR Part 201 Mitigation Planning.
Projects subapplications must be consistent with the goals and objectives identified in the current, FEMA-approved State or Tribal (Standard or Enhanced) hazard mitigation plan along with the local hazard mitigation plan for the jurisdiction in which the activity is located. A community applying for an FMA Project Grant must have an approved Hazard Mitigation Plan in accordance with 44 CFR Part 201.
Subapplicant communities develop subapplications on behalf of homeowners. The communities then submit their subapplications to the TWDB. In turn, the TWDB reviews these subapplications for eligibility and includes eligible ones in the State application, which is sent to FEMA for consideration.
A project must, at a minimum, be:
- cost effective and beneficial to the National Flood Insurance Fund. The Benefit Cost Ratio must yield 1.0 or greater
- technically feasible; and
- physically located in a participating NFIP community or it must reduce future flood damages in an NFIP community.
A project must also conform with:
- the minimum standards of the NFIP Floodplain Management Regulations;
- the applicant's Multi-Hazard Mitigation Plan; and
- all applicable laws and regulations, such as Federal and State environmental standards or local building codes.
- are political subdivisions that are in good standing with the NFIP,
- have a FEMA approved and locally adopted Hazard Mitigation Plan by the application deadline (for project, advance assistance, and technical assistance subapplications), and
- include only structures that have active NFIP flood insurance policies, and which must maintain such coverage through completion of the mitigation activity and for the life of the structure.
Cost Sharing and Funding Limitations
The FMA program provides funds to mitigate NFIP-insured properties and has an annual appropriation from the National Flood Insurance Fund (NFIF). The FMA program has varying cost shares depending on the extent of NFIP claims involved.
Cost Share Requirements
When developing FMA applications, identifying the local cost share source is important. A potentially eligible project may not be possible if the cost share requirement cannot be met by the community.
|FMA Program||Federal / Local Cost Share|
|If the project mitigates a property not identified as Repetitive Loss (RL) or a Severe Repetitive Loss (SRL) or is a drainage or planning subgrant.||75/25|
|If the project mitigates an RL property||90/10|
|If the project mitigates an SRL property||100/0|
Local cost share for an FMA program may come from a variety of places:
- Some sub applicants provide part or all the local matching funds. These funds can come from general or special appropriations such as a stormwater management fund, or other local funding program.
- It may be passed down to the property owners, who may be able to use their increased Cost of Compliance (ICC) coverage from a flood insurance policy
- Donated resources and services may be applied to the matching funds.
Depending on the source of the local match, a Duplication of Benefits (DOB) analysis might be required.
Project Grants: FEMA may contribute up to 100 percent of the total eligible costs for SRL properties. FEMA may contribute up to 90 percent federal cost share for RL properties. For properties that have not had previous flood claims, FEMA may contribute up to 75 percent of the eligible activity costs.
Planning Grants: FEMA may contribute up to 75 percent of the total eligible cost for planning grants. Planning grants are intended only for activities that develop or update the flood hazard component of a jurisdiction's Multi-Hazard Mitigation Plan, which must meet the planning requirements under the Code of Federal Regulations Title 44 Part 201. The maximum Federal Share for FMA planning subgrants are $25,000 for local Hazard Mitigation Plans up to $100,000 per state.
In recent funding cycles, FEMA has offer Community Flood Mitigation Advance Assistance for project development purposed. The available funding varies by year. Please review the current NOFO for more details.
Multi-Hazard Mitigation Plan
An approved Multi-Hazard Mitigation Plan (Mitigation Plan), whether single or multi-jurisdictional, is an eligibility requirement of a community in order to apply for an FMA project grant.
The Mitigation Plan is submitted to FEMA for approval through the Texas Division of Emergency Management (TDEM). The Mitigation Plan must assess flood risk and identify technically feasible and cost-effective options to reduce that risk. The Mitigation Plan must describe the planning process and public involvement during the planning process in developing the Mitigation Plan and must provide proper documentation of its formal adoption by the jurisdiction.
Questions about the FMA program and the application process should be directed to firstname.lastname@example.org
If you are interested in a list of active flood related grant funds in use by Texas agencies please check out Flood Related Activity – SFY2021 Q2.
If you are a local government or entity representative and are looking for more information on available flood mitigation funding opportunities for your community, please check out Flood Information Clearinghouse.
If you are a homeowner or renter and are seeking flood-related assistance for yourself or your family, please visit Disaster Assistance.