- What it funds
- Projects that reduce repeat flood damage to buildings insured by the National Flood Insurance Program (NFIP): localized flood risk reduction (such as flood control, floodwater storage and diversion, stream and wetland restoration, and stormwater management), individual property projects (such as acquisition, elevation, mitigation reconstruction and floodproofing), and capability building (mitigation plans, project scoping and state technical assistance).
- Who can apply
- States, DC, territories and federally recognized tribes apply to FEMA; cities, counties, townships, special districts and tribes apply as subapplicants through their state. Communities must be in good standing in the NFIP and need a FEMA-approved hazard mitigation plan (except subapplications to write a plan); nonprofits are not listed as eligible subapplicants, and property owners take part only through a local government's subapplication.
- Match
- Up to 75% federal and 25% non-federal. Properties that meet FMA's repetitive loss definition can get up to 90% federal, and severe repetitive loss properties up to 100%. The FY2026 notice lists no small-community cost-share increase, and loans from FEMA's Safeguarding Tomorrow (STORM) revolving loan funds cannot count as the non-federal share.
- Award
- FY2026 pools: $260 million for localized flood risk reduction projects (up to $25 million federal share each), at least $120 million for individual property projects, and $20 million for capability building (mitigation plans up to $100,000 per state, with local plans capped at $25,000; project scoping up to $500,000 federal share per state; state technical assistance up to $50,000).
How Maryland applicants apply
Local governments send subapplications to MDEM, which files Maryland's single FMA application in FEMA GO. Start with MDEM's Hazard Mitigation Assistance Notice of Interest form (linked from its hazard mitigation page) or mitigation.mdem@maryland.gov, and confirm MDEM's subapplication deadline; FEMA's notice tells subapplicants to check deadlines with their state agency.
The program on fema.govDates
- February 26, 2027 · FY2026 FMA applications due in FEMA GO by 3 p.m. ET. MDEM files Maryland's application, so ask MDEM for its subapplication deadline.in 119 days · source
What has changed
- October 22, 2026FEMA published the FY2026 FMA funding opportunity: up to $400 million, with applications due February 26, 2027. (simpler.grants.gov)
- August 6, 2026The amended FY2024 round closed at 3 p.m. ET. (files.simpler.grants.gov)
- April 30, 2026FEMA reopened the FY2024 round under an amended funding opportunity ($600 million), accepting applications from 9 a.m. ET April 30 to 3 p.m. ET August 6, 2026. (files.simpler.grants.gov)
- April 22, 2026FEMA announced more than $250 million in FMA awards, including Swift Current. (fema.gov)
- February 14, 2025FEMA retracted the FY2024 FMA funding opportunity. (congress.gov)
- January 6, 2025FEMA posted the FY2024 FMA funding opportunity with $600 million. (simpler.grants.gov)
Sources
Checked against the funder’s own pages on October 29, 2026. Rules and dates change; confirm with the funder before you apply.
- fema.gov/grants/mitigation/learn/flood-mitigation-assistance
- fema.gov/grants/mitigation/learn/notice-funding-opportunities/fma/fy2026-nofo
- simpler.grants.gov/opportunity/aca6c6dc-72d9-4b69-b9ca-235a828f6144
- files.simpler.grants.gov/opportunities/aca6c6dc-72d9-4b69-b9ca-235a828f6144/attachments/70da3cee-310b-4fd8-b209-0689cc3cffb8/FY26_FMA_NOFO_10-16-2026_FINAL_508.pdf
- simpler.grants.gov/opportunity/244ca08b-ffe2-4649-b33a-750978e1e1af
- files.simpler.grants.gov/opportunities/244ca08b-ffe2-4649-b33a-750978e1e1af/attachments/5154cb95-2e7d-403c-bd70-6dec7c111f9d/FY_2024_FMA_NOFO_Amendment_04-22-2026_CLEAN508.pdf
- congress.gov/crs_external_products/IN/HTML/IN12642.html
- fema.gov/grants/mitigation/learn/flood-mitigation-assistance/swift-current
- fema.gov/grants/mitigation/learn/flood-mitigation-assistance/after-you-apply/selections
- fema.gov/grants/mitigation/state-contacts
- mdem.maryland.gov/pages/hazard-mitigation.aspx
- mdem.maryland.gov/Pages/rlf-fund.aspx
Frequently Asked Questions
As of October 29, 2026: Open. FEMA published the FY2026 funding opportunity on October 22, 2026 with up to $400 million. State applications, including MDEM's for Maryland, are due in FEMA GO by 3 p.m. ET on February 26, 2027; MDEM's hazard mitigation page listed no Maryland subapplication deadline as of October 29, 2026.
Projects that reduce repeat flood damage to buildings insured by the National Flood Insurance Program (NFIP): localized flood risk reduction (such as flood control, floodwater storage and diversion, stream and wetland restoration, and stormwater management), individual property projects (such as acquisition, elevation, mitigation reconstruction and floodproofing), and capability building (mitigation plans, project scoping and state technical assistance).
States, DC, territories and federally recognized tribes apply to FEMA; cities, counties, townships, special districts and tribes apply as subapplicants through their state. Communities must be in good standing in the NFIP and need a FEMA-approved hazard mitigation plan (except subapplications to write a plan); nonprofits are not listed as eligible subapplicants, and property owners take part only through a local government's subapplication.
Up to 75% federal and 25% non-federal. Properties that meet FMA's repetitive loss definition can get up to 90% federal, and severe repetitive loss properties up to 100%. The FY2026 notice lists no small-community cost-share increase, and loans from FEMA's Safeguarding Tomorrow (STORM) revolving loan funds cannot count as the non-federal share.
Local governments send subapplications to MDEM, which files Maryland's single FMA application in FEMA GO. Start with MDEM's Hazard Mitigation Assistance Notice of Interest form (linked from its hazard mitigation page) or mitigation.mdem@maryland.gov, and confirm MDEM's subapplication deadline; FEMA's notice tells subapplicants to check deadlines with their state agency.
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