Interactive checker for FEMA Hazard Mitigation Assistance grant eligibility. Answer 6 questions, get likely RLP/SRL status, probable federal cost share, and next steps.
Any flood that caused interior water damage from rising water (not roof leak / plumbing). Includes Memorial Day 2015, Tax Day 2016, Harvey 2017, Imelda 2019, Beryl 2024.
NFIP flood insurance claims of $1,000 or more. Each separate flood event counts as one claim.
FEMA flood zones AE, A, V, or VE. If your mortgage requires flood insurance, you’re in an SFHA. Look up at FEMA Flood Map Service.
National Flood Insurance Program policy. Required for FEMA HMA grants in most cases.
Owner-occupied primary home (not rental, vacation, or investment property). Primary residence priority for most HMA programs.
Different jurisdictions have different application coordinator offices.
All 6 questions on the left. Results update as you go.
FEMA Hazard Mitigation Assistance (HMA) covers up to 75% of eligible elevation costs for most homeowners. Three sub-programs: HMGP (post-disaster), FMA (year-round, NFIP-insured properties), BRIC (proactive resilience). Different programs have different eligibility specifics.
Repetitive Loss Property (RLP): 2+ flood claims of $1,000+ in a 10-year period. Accelerates eligibility, gets priority review. Most Meyerland and Bay Area homeowners with multiple flood events qualify.
Severe Repetitive Loss (SRL): 4+ claims of $5,000+ each, OR 2+ claims totaling more than the home’s value. Highest priority. Can qualify for 100% federal cost share under FMA.
What this checker doesn’t tell you: Benefit-Cost Analysis result (FEMA’s formula for whether the project is “cost-effective”), current program funding status (some cycles are oversubscribed), or specific application timing for your jurisdiction. We can help with all of that during a free site visit.
Want a real assessment? Free Houston elevation site visit — we run the BFE survey, pull FEMA records, and tell you honestly whether to proceed.
Three fields. Real human, every time. No bots. We answer fast because the roof can't wait.
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