This page answers common questions about rebuilding after a flood and links to detailed resources on how to rebuild to prevent future flood damage.
Will FEMA pay to rebuild or fully repair my home and replace all my damaged property?
The goal of FEMA assistance is to make a home safe, sanitary and functional. FEMA assistance is not intended to restore your damaged property to its condition before the disaster. Our assistance is meant to help you with essential expenses that cannot be covered in other ways like insurance or a disaster loan from the Small Business Administration.
Visit our page on disaster assistance available from FEMA for more information.
What do I need to do before I begin repairing or rebuilding my flood-damaged home?
Construction can only begin after you get the required local permits. Always consult your local building and floodplain officials for information and permits when considering new construction or repairs on your flooded property. It is particularly important to get permits to ensure your construction complies with local building codes and flood damage prevention ordinances.
How can I protect myself financially from future flood damage?
Purchase flood insurance. Homeowner’s insurance typically does not cover flood damage. Flood insurance supplements your homeowner’s insurance. Just a few inches of water can cause costly damage to your walls, floors, furniture, carpets and appliances.
Policies may pay up to $250,000 for your residence and up to $100,000 for its contents. A presidential disaster declaration is not required for you to file a flood insurance claim.
Learn more about the benefits of flood insurance. Information about the National Flood Insurance Program is also available at FloodSmart.gov.
Do you have any advice for rebuilding or repairing my home?
Try to lessen the likelihood of future damage when repairing or rebuilding your flood damaged home. FEMA offers information on various mitigation techniques that could lessen the possibility of future flood damage.
Information is available on how to build with flood resistant materials, raise your utilities and electrical system components, anchoring fuel tanks and installing a backflow device. You may check the Additional Resources section of this site for links to guides on these topics.
Some of these techniques may also help lower your flood insurance premiums. It is highly recommended that you consult your local building official and floodplain manager for more information.
Additional Resources
The links below provide more information on you can minimize damage to your home. For more mitigation tips and rebuilding, you can also visit our page on Mitigation Ideas and Tips for Rebuilding.
High winds
Protecting your property from high winds can involve a variety of actions, from inspecting and maintaining your building to installing protective devices. Learn more with our guides on how to Protect Your Property from High Winds.
Flooding
There is a wide range of flood protection measures for homes and buildings that can eliminate or reduce the risk of future flood damage. Learn more with our guide on Protecting Your Home and Property from Flood Damage.
Retrofitting
Learn about the options available to you with straightforward guidance onflood protection methods and building construction technique with our Homeowner's Guide to Retrofitting.