U.S. flagAn official website of the United States government
        Here's how you know
            Navegar a la página de inicio en españolDot gov**Official websites use .gov**
          
          A
          **.gov**
          website belongs to an official government organization in the United
          States.
    Https**Secure .gov websites use HTTPS**
          
          A
          **lock**
          (
          A locked padlock
          ) or
          **https://**
          means you’ve safely connected to the .gov website. Share sensitive
          information only on official, secure websites.Menu
         U.S. Department of Homeland Security - Federal Emergency Management Agency - National Flood Insurance Program

    close

        
                        Skip links
								Sign Up for Updates
											Find a Provider
											Resource Library
											FloodSmart for AgentsMain Global Search, Enter Search Term(s):

          
                        Skip nav links

      Buying a Policy
          
                                	
			      Buying a Policy
        
    
              Why Buy Flood Insurance
              Am I Required to Have Flood Insurance?
              What’s Covered
              Types of Flood Insurance
              How to Buy Flood Insurance
              Find an Insurance Provider
              Renewing a Policy
          
                                	
			      Renewing a Policy
        
    
              Why Should I Renew My Policy?
              How to Renew Your Policy
              Flood Risks and Costs
          
                                	
			      Flood Risks and Costs
        
    
              Cost of Flooding
              What Impacts My Premium and Policy Costs?
              Flood Insurance Mitigation Discount Tool
              Climate Change and Risk
              Policy Terms
              How Can I Pay Less?
              Before and After a Flood
          
                                	
			      Before and After a Flood
        
    
              Steps to Prepare for Flooding
              How Do I Start My Flood Claim?
              Document Damage and Start Clean Up
              Disaster Response
              Appeal Your Flood Claim
              Understanding Coverage Decisions
              Reducing Future Flood Damage
              Flood Zones and Maps
          
                                	
			      Flood Zones and Maps
        
    
              Historical Claims Map
              All About Flood Maps
              Flood Map Updates
              Elevation Certificates Steps to Prepare for Flooding
          How Do I Start My Flood Claim?
          Document Damage and Start Clean Up
          Disaster Response
          Appeal Your Flood Claim
          Understanding Coverage Decisions
          Reducing Future Flood DamageReducing future flood damage
  If your home or business is damaged by a flood, you may be required to meet certain building requirements in your community to reduce future flood damage before you rebuild or repair.

To help you cover the costs of bringing your home or business into compliance, **the National Flood Insurance Program (NFIP) offers eligible policyholders up to $30,000 of Increased Cost of Compliance (ICC) coverage.**
              How much coverage is available?
      Flood insurance policyholders in high-risk flood areas may receive up to $30,000 to help offset the costs to bring their home or business into compliance with their local community’s floodplain management ordinance or regulations.

				 
  What does ICC cover?
      There are four options you can choose, or any combination of, to help you reduce future flood damage.

You should consult with your local floodplain administrator to help determine which option is best for your property:

**Elevation**: Raising your home or business to or above the flood elevation level adopted by your community.
	**Relocation**: Moving your home or business out of harm's way.
	**Demolition**: Tearing down and removing flood-damaged buildings.
	**Floodproofing**: This option is available primarily for non-residential buildings. It involves making a building watertight through a combination of adjustments or additions of features to the building that reduces the potential for flood damage.

				 
  When should I file an ICC claim?
      If you receive a declaration from your local floodplain administrator that your home is substantially or repetitively damaged, you may file a claim for your ICC coverage.

**Substantial damage**: If your community determines that your home or business is damaged by flood to the point that repairs will cost 50% or more of the building’s pre-damage market value.
	**Repetitive damage**: If your community has a repetitive loss provision in its floodplain management ordinance and determines that your home or business was damaged by a flood two times in the past 10 years, where the cost of repairing the flood damage on average equaled or exceeded 25% of its market value at the time of each flood. There must be flood insurance claim payments for each of the two losses.

				 
  How can I file an ICC claim?
      Your ICC claim is adjusted separately from the flood damage claim.

You can only file an ICC claim if your community determines that your home or business has been substantially or repetitively damaged by a flood. This determination is made when you apply for a building permit to begin repairing your home or business.

If your community does determine that your home or business is substantially or repetitively damaged, a local official will explain the floodplain management ordinance provisions that you will have to meet.

**Once your community has made this determination, contact the insurance company or agent who wrote your flood policy to file an ICC claim.**

Your insurer will assign a claims representative who will help you process your ICC claim. You should start getting estimates from contractors to take the necessary steps to elevate, relocate, demolish, or floodproof.

				 
  How the ICC claim payment is handled?
      You may be able to receive a partial advance payment of up to $15,000 once your claims representative has a copy of the signed contract for the work, a permit from the community to do the work, and a return of your signed ICC Proof of Loss. If the work is not completed, you must return any partial payment to your insurer.

When the work is completed, local officials will inspect and issue a certificate of occupancy or a confirmation letter. Once you submit this document to your claims representative, your insurer will pay the final installment or full payment.
              Learn more about ICC coverage

For more information on ICC coverage, call your insurance company or agent, or call the NFIP at 877-336-2726.

Additional information on increased cost of compliance can be found below:

Answers to Frequently Asked Questions About Increased Cost of Compliance
	Increased Cost of Compliance Coverage: How You Can Benefit
	ICC Policyholder's Processing Checklist





FEMA | National Flood Insurance Program
                        500 C St SW,
            Washington,
            D.C.
            20472 Disaster Assistance:
          (800) 621-FEMA An official website of the Department of Homeland Security
 **Need Help?** About Us Contact Us Glossary Privacy Policy Vulnerability Disclosure Policy
 **Related Links** Footer Accordion Links
  

        


    
    
            Partner Sites
          No Fear Data Act

      
    
      
        Freedom of Information Act

      
    
      
        Office of the Inspector General

      
    
      
        Whitehouse.gov

      
    
      
        DHS.gov

      
    
      
        USA.gov
 FEMA.gov Ready.gov DisasterAssistance.gov Accessibility Plug-Ins
 **Connect with NFIP**