What is Substantial Damage?

Substantial Damage is when the cost to repair a structure in the floodplain exceeds 50% of the existing value of that structure (land value is not included), the structure is located in a Special Flood Hazard Area, and the structure is below the established Base Flood Elevation. Substantial Damage requires these structures to be better protected from future disasters. This is a federal requirement by FEMA that all communities in the National Flood Insurance Program must follow.

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1. Why am I receiving this letter?
2. What is Substantial Damage?
3. Am I being forced to move out of my home?
4. What is mitigation?
5. What does Substantial Damage require?
6. What if I don't think I have Substantial Damage?
7. Why have other people around me rebuilt without elevating?
8. What do I do now?
9. When are all of the letters going to go out?