Flood Mitigation Assistance (FMA) is a grant from the Federal Emergency Management Agency helping communities reduce long-term flood risk for properties with repeated flooding. The program funds capacity building, project scoping, property buyouts, partnership development, and localized flood risk reduction projects including nature-based solutions and public-private partnerships.

Eligible applicants are states, territories, and federally recognized tribal governments that submit applications on behalf of subapplicants. Homeowners and nonprofits cannot apply directly to FEMA. As of February 13, 2025, the Notice of Funding Opportunity was removed from grants.

gov; interested parties should monitor official FEMA channels for the latest guidance.

Flood Mitigation Assistance Grant Program (FEMA) - American Flood Coalition 50+ bipartisan federal leaders driving solutions $8B+ invested in statewide flood resilience 480+ members delivering change on the ground Flood Mitigation Assistance Grant Program (FEMA) Interested in more resources like this?

Access the Flood Funding Finder As the Trump Administration reviews federal grant priorities and timelines, we encourage those working on project proposals to reach out to federal and state program leads and monitor official federal channels for the latest guidance. AFC is tracking key flooding and resilience programs and will provide specific updates whenever possible.

As of February 13, 2025, the Notice of Funding Opportunity for this program has been removed from the grants. gov website. FEMA’s pre-disaster FMA grant program helps communities reduce long-term flood risk for properties with repeated flooding by funding capacity building, project scoping, property buyouts, partnership development, and localized flood risk reduction projects that store or divert floodwaters.

Supports nature-based solutions Encourages public-private partnerships Application cycle: As of February 13, 2025, the Notice of Funding Opportunity for this program has been removed from the grants. gov website. The previously published application cycle was January 6, 2025–April 18, 2025 for selected states.

Summary: The Federal Emergency Management Agency’s (FEMA) Flood Mitigation Assistance (FMA) grant program is an attractive option for communities with properties and structures that have repeatedly experienced flooding.

Communities with a FEMA-approved hazard mitigation plan can use FMA to fund various mitigation activities and local mitigation planning efforts that reduce or eliminate the long-term risk of flood damage to structures insured under the National Flood Insurance Program (NFIP). Eligible applicants: Eligible states, territories and federally recognized tribal governments can submit applications on behalf of subapplicants for BRIC funding.

Subapplicants cannot submit these directly to FEMA; subapplicants must submit them to their applicant for review and submission. Homeowners, business operators and nonprofit organizations cannot apply directly to FEMA; they can be included in a subapplication submitted by an eligible subapplicant.

Priority 1 (Capability and Capacity Building) activities will be selected in the following hierarchical order: multi-hazard mitigation plans, technical assistance, project scoping , and additional C&CB activities such as partnership development, enhancing local floodplain management, severe repetitive loss/repetitive loss strategy development and more.

Priority 2 ( Localized Flood Risk Reduction Projects ): floodwater storage and diversion; stormwater management; floodplain, wetland, marsh, riverine, and coastal restoration and protection; other combination of green infrastructure, gray infrastructure, and nature-based solutions ; and localized flood control projects with co-benefits to their hazards, social, and environmental benefits.

Priority 3 ( Individual Flood Mitigation Projects ): property acquisition and structure demolition/relocation; structure elevation; dry floodproofing of historical residential structures or non-residential structures; non-structural retrofitting of existing buildings and facilities; mitigation reconstruction; structural retrofitting of existing buildings.

Priority 1: $60 million maximum for capability and capacity building (C&CB) assistance to develop future localized flood risk reduction projects and/or individual flood mitigation projects. $100,000 for multi -hazard mitigation plans with maximums of: $50,000 for state multi-hazard mitigation planning. $25,000 for local multi-hazard mitigation planning.

$50,000 for technical assistance to states. $900,000 for project scoping. $300,000 for additional C&CB activities, such as partnership development, enhancing local floodplain management, and SRL/RL strategy development.

Priority 2: Up to $420 million to reduce community flood risk and support NFIP; $50 million maximum for localized flood risk reduction projects that address community flood risk for the purpose of reducing NFIP flood claim payments. Priority 3: At least $120 mill ion to mitigate flood risks for individual NFIP-insured Buildings.

Generally, no federal statutory maximums exist for eligible individual flood mitigation projects, although FEMA selects eligible projects competitively based on an insured structure’s history of severe repetitive flooding. Individual flood mitigation projects reduce the risk of flooding to individual NFIP insured structures. 10% of the total subapplication budget can be used for subapplicant management costs.

75% federal / 25% nonfederal for NFIP insured properties, flood mitigation planning grants, community flood mitigation projects, and project scoping. Filter — Needs-Based Cost Sharing: 90% federal / 10% nonfederal for repetitive loss property, and 100% federal / 0% nonfederal for severe repetitive loss property, in states with repetitive loss strategy.

Local governments submit mitigation planning and project applications to their state during the open application cycle, and should contact their State Hazard Mitigation Officer or federally recognized tribal official for more information. Applicants and subapplicants must have a FEMA-approved hazard mitigation plan. Communities must be participating in the National Flood Insurance Program.

Freely available data from FEMA’s National Risk Index (NRI) can be included in and used to bolster a community’s project grant application. The NRI is a tool that calculates a risk index figure for each county for various types of disasters. Properties included in a project subapplication must be insured by NFIP prior to the application period and be maintained for the life of the structure.

Interested in finding more resources like this one? Access Flood Funding Finder