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Federal Emergency Management Agency


(FEMA) Flood Mitigation Assistance (FMA)


Created as part of the National Flood Insurance Reform Act of 1994 (42 U.S.C. 4101) with goal of reducing or eliminating claims under the NFIP. FEMA provides FMA funds to states and communities to implement measures that reduce or eliminate long-term risk of flood damage to buildings, manufactured homes, and other structures insured under the NFIP. Generally, funding is 75 percent federal cost share unless otherwise specified. Federally recognized Tribes participating in the National Flood Risk Management Program are eligible to participate. Historically, program has funded following types of projects:

  • Project Scoping (previously Advanced Assistance) to develop community flood mitigation projects and/or individual flood mitigation projects that will subsequently reduce flood claims against the NFIP,
  • Community Flood Mitigation Project to address community flood risk for the purpose of reducing NFIP flood claim payments,
  • Technical Assistance to maintain a viable FMA program over time,
  • Flood Mitigation Planning to plan subapplications for the flood hazard component of SLTT’s hazard mitigation plans and updates to plans, and
  • Individual Flood Mitigation Projects to mitigate the risk of flooding to individual NFIP insured structures.

Funding Information:

  • FMA is funded through the flood insurance premiums paid by NFIP policyholders.
  • Maximum Federal share for FMA sub- applications per 42 U.S.C. 4104c is as follows: $50,000 for state plans, $25,000 for local plans
  • Maximum 10 percent of awarded grant funds can be used by state emergency management agencies (EMA) for management costs.
  • Maximum 5 percent of awarded grant funds can be used by local EMA for management costs.
  • Period of performance for FMA program begins with opening of application period and ends no later than 36 months from the selection date.
  • SRL properties are funded at up to 100% Federal cost share
  • RL properties are funded at up to 90% Federal cost shar

Resource Website(s):


Individual/Household, Business, Local Government, State Government, Tribal, Preparing for Flood Response, Reducing Flood Risk (Mitigation), Financial Assistance

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