FEMA Flood Mitigation Assistance (FMA) Program

Federal Emergency Management Agency / Texas Division of Emergency Management

Available Disaster Relief

About This Program

FEMA Flood Mitigation Assistance (FMA) Program is available to homeowners in Bay City, TX.

FEMA program to reduce or eliminate the risk of repetitive flood damage to properties insured under the National Flood Insurance Program. Funds elevation, acquisition, relocation, flood-proofing, and minor mitigation projects. Applied through local government, which must provide cost match.

Funding varies; typically 75% federal / 25% local match, some homeowners may qualify for cost-share reduction

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

This is a national program. In Bay City, TX, you can stack it with local programs like these:

Key Details

  • Funds flood mitigation for NFIP-insured properties
  • Elevation, acquisition, relocation, flood-proofing
  • 75% federal / 25% local match typically
  • Applied through local government
  • Priority for repetitive loss properties

How to Apply

Get free help applying Visit Official Program Page Track this program

(800) 621-3362

A grant-savvy contractor in Bay City, TX 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 Bay City 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.

Your application paperwork

Documents you will likely need

  • Proof you own and live in the home (deed, recent mortgage statement, or property tax bill).
  • A government-issued photo ID for every owner on title.
  • A written estimate from a licensed contractor for the work (many programs require this to apply).
  • Photos of the problem area or the work to be done.
  • The program's own application form, completed (use the official link or phone number on this page).
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: Application cycles through local government; typically annual

Questions about this program?

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Frequently asked questions

How much can FEMA Flood Mitigation Assistance (FMA) Program provide in Bay City, TX?

Up to 100% cost share for mitigation projects.

Who qualifies for FEMA Flood Mitigation Assistance (FMA) Program in Bay City?

FEMA Flood Mitigation Assistance (FMA) Program is open to homeowners in Bay City, TX. It has no income limit.

How do I apply for FEMA Flood Mitigation Assistance (FMA) Program in Bay City, TX?

Apply directly with Federal Emergency Management Agency / Texas Division of Emergency Management using the official program link on this page or call (800) 621-3362. There is no middleman and no fee.

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