Hazard Mitigation

Losses Avoided During Hurricane Matthew

Losses Avoided during Hurricane Matthew

The Hazard Mitigation Grant Program (HMGP) program allows families and homeowners to move out of dangerous flood zones, have their homes elevated, or have their homes torn down and rebuilt to code with an elevated foundation. The HMGP program mitigated over 3,800 properties in Hurricane Matthew's inundation boundary.

Following large disasters, North Carolina Emergency Management and FEMA work with communities to reduce or eliminate the impacts to people and property from natural hazards; a process called hazard mitigation. After federally declared disasters, FEMA provides designated funds for hazard mitigation projects. Meanwhile, NCEM works with local governments to identify risks and vulnerabilities associated with natural disasters and develop long-term strategies to protect people and property during such events. Examples of hazard prevention efforts are:

  • Buying homes found in high hazard areas,
  • Raising up flood-prone properties,
  • Giving help in updating local hazard prevention plans,
  • Showing businesses ways to lower risks, and
  • Promoting good growth and building practices outside of high hazard areas

Hurricane Matthew HMGP Awards

FEMA requires state and local governments to develop and adopt hazard mitigation plans in order to receive certain types of non-emergency disaster funds. In 2014, North Carolina’s Enhanced Hazard Mitigation Plan was approved making the state eligible for additional funds to prevent future damage. Due to the enhanced plan status, North Carolina qualifies for 20 percent (as opposed to 15) of the total federal recovery assistance funds (i.e., what has been paid out through the individual and public assistance programs combined). These funds can be used now on projects to minimize the impact of future storms.

North Carolina Enhanced Hazard Mitigation Plan (2018)

What Individuals Can Do

Floods are the most common natural disaster in the U.S. (nearly everybody has some risk of flooding). The best way to recover from a flood is to carry flood insurance (homeowners insurance does not cover flood losses).Homeowners can buy flood insurance no matter where they live. Policies are available for residential buildings and commercial buildings as long as the community participates in the National Flood Insurance Program (NFIP). There is also separate contents coverage, so renters can get flood insurance too.

When recovering from natural hazards, contact your insurance company first. To mitigate future damage, contact your local Emergency Management Coordinators. They can help you determine what programs may apply to you. 

Know your flood risk

Do you know if your home is in a high risk flood zone?   Even if it's not, flood insurance is still a good idea, and it won't be very expensive.. Anywhere it rains, it can flood.
Visit our flood information portal to enrter your address and learn your flood risk.

FEMA Hazard Mitigation Grant Program

Flood Mitigation Assistance (FMA)

Pre-Disaster Mitigation (PDM)