FEMA Flood Mitigation Assistance (FMA) Program

FEMA / Florida Division of Emergency Management

Available Disaster Relief

About This Program

FEMA Flood Mitigation Assistance (FMA) Program is available to homeowners in Fort Walton Beach, FL.

Federal grant program to reduce or eliminate the risk of repetitive flood damage to buildings insured under the National Flood Insurance Program. Funds elevation, relocation, acquisition, or flood-proofing of vulnerable properties.

Grant covers 90% of mitigation costs; typical project assistance

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

This is a national program. In Fort Walton Beach, FL, you can stack it with local programs like these:

Key Details

  • Grants for flood mitigation on insured properties
  • NFIP policy required and must be in good standing
  • Covers elevation, acquisition, relocation, flood-proofing
  • Priority for repetitive loss properties
  • Applied for through Okaloosa County Emergency Management

How to Apply

Get free help applying Visit Official Program Page Track this program

(850) 815-4000

A grant-savvy contractor in Fort Walton Beach, FL 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 Fort Walton Beach 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: Applications through county emergency management

Questions about this program?

Ask us. It is free, and a real person answers within a business day.

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Frequently asked questions

How much can FEMA Flood Mitigation Assistance (FMA) Program provide in Fort Walton Beach, FL?

Up to 100% for eligible properties.

Who qualifies for FEMA Flood Mitigation Assistance (FMA) Program in Fort Walton Beach?

FEMA Flood Mitigation Assistance (FMA) Program is open to homeowners in Fort Walton Beach, FL. It has no income limit.

How do I apply for FEMA Flood Mitigation Assistance (FMA) Program in Fort Walton Beach, FL?

Apply directly with FEMA / Florida Division of Emergency Management using the official program link on this page or call (850) 815-4000. There is no middleman and no fee.

Need a Contractor for This Grant?

Grant-approved contractors understand the documentation, inspections, and timelines, so your funding releases on schedule.

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