Here's a breakdown of the FEMA PA 50% Rule, how it's calculated, and how it differs from the NFIP 50% substantial damage rule:

FEMA PA 50% Rule:

• Applies to structures located within a Special Flood Hazard Area (SFHA) following a disaster.
• The rule states that if the cost to repair a damaged structure equals or exceeds 50% of the structure's market value before the disaster, the structure is considered substantially damaged.

Calculation of FEMA PA 50% Rule:

1. Market Value:  This is the value of the structure itself, not including the land it sits on. It's typically determined by a qualified appraiser or based on county property assessments.
2. Repair Cost: This includes the estimated cost to repair the structure to its pre-disaster condition. FEMA might involve specialists to assess damage and estimate repair costs.

Consequences of Substantial Damage (FEMA PA):

• If a structure is deemed substantially damaged under the 50% rule, it must be brought into compliance with current local floodplain management standards before repairs can proceed.
• This might involve elevating the structure, floodproofing measures, or meeting stricter building codes.

Key Differences from NFIP 50% Substantial Damage Rule:

• Program: The FEMA PA 50% Rule applies to the FEMA Public Assistance (PA) Grant Program, which helps communities and certain entities recover from disasters. The NFIP 50% rule is associated with the National Flood Insurance Program (NFIP), which provides flood insurance to property owners.
• Eligibility:  The FEMA PA program assists with repairs to public infrastructure and essential services, not necessarily individual homes.  The NFIP provides flood insurance for covered structures.
• Trigger: The FEMA PA rule is triggered by any disaster, not just floods. The NFIP rule specifically applies to flood damage.

Additional Points:

• FEMA might have stricter regulations in some communities that exceed the minimum 50% threshold.
• It's always best to consult with your local floodplain management office or FEMA directly to understand the specific requirements in your area.

‍