Rebuilding After a Flood: The 50% Rule in Massachusetts

Flooding can be devastating, and rebuilding afterwards is a major undertaking. If your Massachusetts property is in a flood zone and suffers significant damage, you might face an extra hurdle: the 50% Rule.  

What is the 50% Rule?

In Massachusetts, this rule applies to properties in Special Flood Hazard Areas (SFHAs). If the cost to repair flood damage equals or exceeds 50% of your property’s replacement or rebuild value before the flood, it’s considered “substantially damaged.” This means you’ll have to meet stricter building codes when rebuilding, often including elevating your home to or above the Base Flood Elevation (BFE).  

Why does this rule exist?

It’s a matter of safety and reducing future flood risk. By ensuring homes in Massachusetts are built to withstand flooding, we can protect lives and minimize damage.

What if I can’t afford to elevate my home?

This can be a difficult situation. It’s important to contact your local building department and conservation commission as soon as possible. They can explain your options and any available resources. You may also want to consult with your insurance agent to understand your flood insurance coverage. FEMA or your local government may also have available zero or low interest grants to rebuil;d flood damaged homes.

Where can I find more information?

• FEMA Flood Map Service Center: Check if your property is in an SFHA: https://msc.fema.gov/portal/home
• MassGIS Flood Zone Mapping Tool: Find detailed flood zone information for Massachusetts: https://matracking.ehs.state.ma.us/planning_and_tools/flood-zones/flood-zones-tool.html
• Massachusetts Floodplain Management Program: Get guidance on floodplain management regulations: https://www.mass.gov/guides/floodplain-management

Remember: It’s always best to be prepared. If you live in a flood zone, understand your risks and know what to do in case of a flood.