Flood Insurance, Flood Hazard Mitigation Assistance Grants and Other Assistance, and Substantial Damage DeterminationFlood Insurance

For questions regarding flood insurance, please contact your flood insurance agent and visit Floodsmart.gov and FEMA flood insurance.

Hazard Mitigation Assistance Grants

For disasters declared on or after May 26, 2021, eligible homeowners may receive additional funds for specific mitigation measures through FEMA.  Specific mitigation measures include: roof repair to withstand higher winds and help prevent water infiltration, elevating a water heater or furnace to avoid future flood damage, or elevating or moving an electrical panel to avoid future flood damage.  The amount of assistance may vary each year.  For additional information, visit FEMA’s website for Hazard Mitigation Under the Individual and Households Program.
Other grants and loans may be available from time to time.  Benefits have been awarded in past years under the FEMA Disaster Housing Program, State Individual and Family Grant (IFG) Program, Hazard Minimization Funds, Small Business Administration (SBA) loans, National Flood Insurance Program (NFIP), and private insurance.  We encourage residents who utilize any program to keep all receipts to avoid Duplication of Benefits.  The total assistance you receive from all programs and insurance combined cannot exceed the fair market value of your property before the disaster occurred.  Federal assistance cannot duplicate the benefits provided by other sources.  
Substantial Damage Determination

After any flood event, if you believe your property may have substantial damage, please contact the Community Development Department.  Department staff can provide assistance in helping determine any substantial damage.  Staff can also guide you through the permitting process.