Flood Insurance
Department Of Homeland Security, Federal Emergency Management Agency
To enable personal and business property owners and renters to purchase flood insurance coverage for buildings and/or contents in low-to-moderate flood risk areas, as well as in high-risk flood zones to reduce taxpayer provided federal disaster assistance and to promote wise floodplain management practices in the Nation's high-risk flood zones.
Jargon-free version
Helps property owners and renters buy flood insurance for buildings and contents in flood-prone areas. This coverage reduces reliance on federal disaster aid.
Quick Facts
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What Benefits Are Offered?
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📋What Are the Application Steps & Timeline?
- 📝Steps to Apply
- Register at disasterassistance.gov
- Learn about assistance programs
- Apply for FEMA Individual Assistance
- Contact local emergency manager for more information
- 🌐Application Portal
- https://disasterassistance.gov
- 📤Submission Method
- online
- 🔄Intake Type
- rolling
📄What Documents Are Required?
- ✅Required Documents
- SF-424 (Application for Federal Assistance)
- SF-424A (Budget Information - Non-Construction)
- SF-424B (Assurances)
- Project Narrative
- Budget Narrative
- indirect cost rate agreement
- 📐Format Requirements
- PDF only, max 10MB
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💰What Expenses Are Eligible?
- 🧾Eligible Expenses
- repairing or replacing disaster-damaged tools and equipment
- repair or replace physical assets such as real property, machinery, equipment, fixtures, inventory, leasehold improvements
- working capital and normal expenses such as the continuation of health care benefits, rent, utilities, and fixed debt payments
- 🚫Ineligible Expenses
- upgrading or expanding a business
- expanding facilities
- buying fixed assets
- repairing physical damages
- refinancing debt
- paying out dividends or bonuses
- paying back loans to stockholders or principals
- 💳Payment Model
- mixed
- ⏪Retroactive Expenses Eligible
- Yes
🤝Is Matching Funding Required?
- 🔀Matching Required
- Yes
- 📊Matching Ratio
- 25% minimum
- 🏦Eligible Matching Sources
- cash
- in-kind contributions
- volunteer time
- 📚Stacking Rules
- You cannot receive assistance for the same exact need from more than one program.
- 🛡️Proof of Matching Required
- Documentation of expenses and needs related to the disaster.
📊What Are the Reporting Requirements?
- 🔍Audit Requirements
- OMB Uniform Guidance Single Audit if the recipient expends $750,000 or more in federal awards.
- 🗄️Record Retention Period
- 3 years post-final-report
How Do I Apply?
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FAQFrequently Asked Questions
Visit the program page for detailed eligibility requirements.
This program offers funding up to $4,233,371 (minimum $2,737,359).
This program accepts applications on a rolling basis.
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