Is your home below the required base flood elevation and at risk of flooding, or has it flooded in the past, and you’ve filed a flood insurance claim with the National Flood Insurance Program (NFIP)? If so, you may be interested in grant funding to elevate, demolish and reconstruct your home, or sell your home.
Monroe County is participating in the national Flood Mitigation Assistance (FMA) grant program to help homeowners elevate or reconstruct their homes to guard against future flooding. You may also apply to sell your home and land to the local government in which it is located. The application period to apply for the fiscal year 2021 FMA grant program funding is open until 6 p.m. on Nov. 9, 2021. Applications submitted after this deadline will not be considered for funding. This is a competitive, nationwide, annual program. The program is available for any homeowner who lives in the Florida Keys.
Your home must be insured by the NFIP at the time of application. The primary goal of the grant program is to reduce or eliminate the risk of repetitive flood damage to homes insured by the NFIP.
Individual property owners apply for funding through Monroe County. Monroe County staff will work with homeowners to develop their application to secure funding for elevations, acquisition/relocation, and reconstruction of homes. Monroe County then applies to the State of Florida and the State of Florida applies through FEMA. This process does take time and the County wants to make sure applicants know the process is a long one, sometimes taking 2-3 years.
Notable program requirements include:
Elevation Specific Requirements:
Fair Insurance Rates for Monroe (FIRM) has more information about elevating homes including educational videos, sample projects, and completed elevation projects in Key West. FIRM has also posted information about contractors who have done elevation work in Monroe County. The website is https://firmkeys.org/keyswide-home-elevation-education-project. For more information and details on the program, visit www.monroecounty-fl.gov/floodmitigation or call Monroe County’s Mitigation Administrator Mike Lalbachan at 305-453-8796.