FEMA Increased Cost of Compliance (ICC) Coverage, NFIP

FEMA / National Flood Insurance Program (NFIP)

Available Home Repair

About This Program

FEMA Increased Cost of Compliance (ICC) Coverage, NFIP is available to homeowners in San Diego, CA.

ICC coverage is automatically included in every NFIP flood insurance policy and pays up to $30,000 to help bring a flood-damaged home into compliance with local floodplain ordinances through elevation, floodproofing, demolition, or relocation. If your San Diego home is in a Special Flood Hazard Area and declared substantially damaged, contact your flood insurance carrier to file an ICC claim. Partial advances of up to $15,000 are available once permits are in place.

Must hold active NFIP flood insurance policy; home must receive substantial damage determination from local floodplain administrator; file claim through insurance carrier

Data last verified 2026-04-03. How we verify our data.

This is a national program. In San Diego, CA, you can stack it with local programs like these:

Key Details

  • Built into every NFIP flood insurance policy, no extra premium
  • Pays up to $30,000 to elevate, floodproof, demolish, or relocate home
  • Triggered by substantial damage determination after a flood event
  • File claim with your flood insurance carrier, not a separate grant application
  • Partial advance of $15,000 available once permits are in hand

How to Apply

Get free help applying Visit Official Program Page Track this program

1-800-427-4661

A grant-savvy contractor in San Diego, CA 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 San Diego 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: File within 60 days of a substantial damage determination

Questions about this program?

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

Email us about this program

Frequently asked questions

How much can FEMA Increased Cost of Compliance (ICC) Coverage, NFIP provide in San Diego, CA?

Up to $30,000 for bringing substantially damaged home into flood compliance.

Who qualifies for FEMA Increased Cost of Compliance (ICC) Coverage, NFIP in San Diego?

FEMA Increased Cost of Compliance (ICC) Coverage, NFIP is open to homeowners in San Diego, CA. It has no income limit.

How do I apply for FEMA Increased Cost of Compliance (ICC) Coverage, NFIP in San Diego, CA?

Apply directly with FEMA / National Flood Insurance Program (NFIP) using the official program link on this page or call 1-800-427-4661. 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.

Get matched with a pro, free Browse San Diego, CA contractors

Find More Programs in San Diego, CA

This is just one of many grants, rebates, and free programs available. Stack them together to maximize your savings.

See All Programs