The flood zones can guide your rebuilding. They may determine whether you can rebuild, whether you can get certain kinds of assistance, and whether you will need to elevate your home. Following a disaster, FEMA may revise flood maps. Be sure to reference the most recent flood map and insurance requirements before taking steps to rebuild or repair your home. For more information, visit http://rfcd.pima.gov/dfirm/pdfs/femafaq.pdf.
If your home is at or above the required flood elevation based on a flood zone map or a certified elevation survey, you can immediately begin to repair or rebuild, regardless of how much damage your home received. Low-interest SBA loans are available from FEMA based on the actual cost of repairing or rebuilding a flood-damaged home and personal property, minus any insurance reimbursement.
Current loan limits are:
If your home flooded and you are not at the required flood elevation based on flood zone or a certified elevation survey, your home could fall into one of two categories:
Do I Need to Elevate My Home?
If a flood damages your property, you may be required by law to bring your home up to community and/or state floodplain management standards. If you have NFIP insurance, and your home has been declared substantially damaged by your community, Increased Cost of Compliance (ICC) coverage is provided to cover up to $30,000 of the cost to elevate, flood proof, demolish, or relocate your property. ICC coverage is in addition to the coverage you receive to repair flood damages; however, the total payout on a policy may not exceed $250,000 for residential buildings and $500,000 for non-residential buildings.
For more information please visit www.fema.gov/national-flood-insurance-program-2/ increased-cost-compliance-coverage.
State assistance programs may also be available; see your state's Resource Guide in Route 4.
Caution: Environmental Issues In addition to flood conditions, you also need to be aware of the environmental problem of toxic soil that may be a result of prolonged flooding. You need to consider how these problems are dealt with in the local building codes or other requirements related to rebuilding or repairing a home.