FEMA Mitigation Reconstruction Projects
What is a Mitigation Reconstruction project?
Mitigation Reconstruction is one of the eligible projects under the FEMA Hazard Mitigation Grant Program (HMGP). A Mitigation Reconstruction project is the construction of an improved, elevated building on the same site where an existing building and/or foundation has been partially or completely demolished or destroyed.
Flood Mitigation Grant Programs
The Federal Emergency Management Agency (FEMA) allows local government to work with property owners to obtain different types of grants. These include Flood Mitigation Assistance (FMA) grants; (PDM) grants; and Hazard Mitigation Grant Program (HMGP) grants. Each program has different parameters, but they all have the same goal to reduce or eliminate the risk of flood damage to buildings and structures insurable under the National Flood Insurance Program (NFIP).
Communities, like Monroe County, that are in good standing with the NFIP are eligible to apply for grants.
Include elevation, relocation, demolition, acquisition, and flood risk reduction projects:
- Totally or partially demolish the existing structure; and
- Construct a code-compliant structure on an elevated foundation system in its place.
A successful Mitigation Reconstruction project concludes with a new or retrofit home that complies with all applicable codes replacing the damaged or destroyed home.
Considerations for Homeowners
The Hazard Mitigation Grant Program has many requirements and not all project costs are eligible. Below are some of the more notable program requirements for your consideration:
- Participation in the application process and grant program is voluntary.
- The HMGP Grant only provides funding for eligible project costs. Eligible construction costs are limited to a $150,000 Federal share per property. Other eligible project costs, such as permitting and design can be covered with a 75% Federal share.
- The square footage (SF) of the resulting structure shall be no more than 10 percent greater than that of the original structure. For example, if your existing structure was 1000 SF, then the new structure could be no more than 1,100 SF.
- Flood insurance must be maintained for the life of the structure.
- Mitigation/Reconstruction is only permitted for structures outside of the Coastal High Hazard Area (Zone V) as identified by available flood hazard data.
For more information and details on eligible costs, please refer to FEMA’s 2015 Hazard Mitigation Assistance Guidance Addendum (pg. 59) or speak with a Monroe County representative.
Individual property owners apply for funding through Monroe County. Monroe County is the applicant. The County reviews all applications and submits them to FEMA for final approval.
What are the next steps?
1) Interested homeowners may fill out a Voluntary Interest form to notify Monroe County you would like to be included in the application. Additional required paperwork may be sent to interested homeowners for completion when funding is available.
2) A Hazard Mitigation Grant Program application will be developed and sent to the Florida Division of Emergency Management (FDEM) and FEMA for review.
3) The Hazard Mitigation Grant Program application will be reviewed and awarded if it meets all required criteria.
4) Work on the project may begin in coordination with Monroe County. It is important that no construction happens prior to the award of the grant.