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

Federal program, maintained from the official federal source.

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

This is a national program. In Wheat Ridge, CO, you can stack it with local programs like these:

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

Get free help applying Visit Official Program Page Track this program

1-800-427-4661

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Your application paperwork

If you have an NFIP flood insurance policy and your home is substantially damaged by a flood, ICC can provide up to 30,000 dollars to help you rebuild to current codes. You claim it through your flood insurance, not a separate application.

Steps to apply

  1. File a flood insurance claim with your NFIP insurer after a flood.
  2. Ask your community floodplain manager for a substantial damage determination.
  3. Tell your insurance adjuster you may qualify for ICC.
  4. Work with the adjuster on the eligible code upgrades (elevation, relocation, demolition, or floodproofing).
Get the official form

Documents you will likely need

  • Your NFIP flood insurance policy.
  • A substantial damage determination from your local community.
  • Documentation of the flood damage.
Download this checklist (PDF)

Requirements vary by program and locality. Confirm the exact rules on the official program page. We can help you prepare your paperwork, but you submit it yourself.

Deadline: File within 60 days of a substantial damage determination

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