Fiscal Year 2026 Flood Mitigation Assistance
FEMA provides funding to state, territorial, tribal, and local governments to reduce repetitive flood damage to buildings insured by the National Flood Insurance Program.
Funder: Department of Homeland Security - FEMA
Due Dates: February 26, 2027, at 3:00 p.m. Eastern Time (Application deadline)
Funding Amounts: $400 million total funding; generally 36 months from award
Summary: Supports flood mitigation activities that reduce repetitive damage to NFIP-insured buildings and the National Flood Insurance Program’s financial exposure.
Key Information: Local governments must apply through their state or territory; NFIP participation and approved hazard mitigation plans are required, with a plan-development exception.
Description
The Flood Mitigation Assistance (FMA) program is a competitive grant program administered by FEMA’s Hazard Mitigation Assistance Division. It supports states, territories, Tribal Nations, and local governments undertaking activities that reduce or eliminate repetitive flood damage to buildings and structures insured by the National Flood Insurance Program (NFIP) in participating communities.
Funding supports capability and capacity building, localized flood risk reduction, and individual-property mitigation. Activities include mitigation planning, technical assistance, project scoping, floodwater storage and diversion, stormwater management, and floodplain or wetland restoration. The program aims to lower policyholders’ flood risk, reduce NFIP claims, and strengthen community resilience. Localized projects should demonstrate broader strategic benefits, address national-level risk, and seek a benefit-to-cost ratio as close to 4:1 as possible.
