FEMA Increased Cost of Compliance (ICC) Coverage

Federal Emergency Management Agency / National Flood Insurance Program (NFIP)

Available Disaster Relief

About This Program

ICC coverage is built into every National Flood Insurance Program (NFIP) policy and pays up to $30,000 to help bring a substantially or repetitively damaged home into compliance with local floodplain ordinances. Eligible uses include elevating, floodproofing, demolishing, or relocating your structure. If your home is declared substantially damaged after a flood, contact your flood insurance carrier to file an ICC claim.

Must hold an NFIP flood insurance policy and receive a substantial damage determination

Data last verified 2026-06-09. How we verify our data.

Key Details

  • Included automatically in all NFIP flood insurance policies
  • Pays up to $30,000 for elevation, floodproofing, demolition, or relocation
  • Triggered when home is declared substantially or repetitively damaged
  • File claim with your flood insurance carrier, not a separate application
  • Partial advance payment of up to $15,000 available once permits are in place

How to Apply

A grant-savvy contractor in Gardnerville Ranchos, NV can handle the paperwork, inspections, and timelines so your funding releases on schedule. Getting matched is free.

You will likely need a contractor to apply

Projects like this almost always need a licensed contractor, and many grants ask for a written estimate as part of your application. Lining up a contractor in Gardnerville Ranchos early keeps your application moving.

Get matched with a contractor

Each program sets its own contractor rules. Check the official program page for exact requirements.

Deadline: File within 60 days of a substantial damage determination

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