Substantial Improvement & Damage

Improvement Requirements

The National Flood Insurance Program (NFIP) requires that if the cost of improvements to a building or the cost to repair damages (from any cause) to a building exceeds 50% of the market value of the building (excluding the land value), the entire building must be brought up to current flood plain management standards. Building improvement projects include:
  • Addition projects
  • Exterior and interior remodeling projects
  • Reconstruction projects
  • Rehabilitation projects
  • Repair projects