The FEMA 50% Rule requires that if repair or improvement costs exceed half of a building’s market value, the entire structure must meet current floodplain regulations, often including elevation, flood vents, or other code upgrades. FEMA 50% Rule: Triggers, Exemptions, and What Homeowners Must Know The FEMA 50% Rule requires flood-zone buildings with repairs or remodels over half their market value to meet current flood safety codes, impacting costs, timelines, and insurance. Here’s what you need to know at a glance: Trigger points: Major storm damage or planned remodels exceeding 50% of a building’s value Enforcement: Local officials review costs and values during permit applications Exemptions: Properties outside flood zones or certain non-residential buildings with alternate compliance methods Impact: Required upgrades like elevation or floodproofing, higher upfront costs, but long-term safety and insurance benefits Buyers should confirm if a property is flagged for substantial damage, and homeowners must know what counts toward the 50% threshold to avoid surprises.  The rule is challenging but offers a chance to rebuild safer. Understanding the FEMA 50% Rule: What It Is and Who It Affects The FEMA 50% rule says that if the cost to repair or improve a building equals or exceeds 50%