Could a Federal Grant Give Florida Homeowners Compensation for Flooding?

Fort Lauderdale is still recovering from a major flooding event that occurred two years ago. Finally, the city is on the verge of receiving more federal relief in the form of an $88 million grant. Is this grant really going to arrive? How could it affect your home and your existing property damage? What if you’re also struggling with a denied property insurance claim in Fort Lauderdale? These are questions you might want to ask a lawyer.

New Federal Grant Could Reimburse Homeowners for Out-of-Pocket Costs

The federal grant in question would cover costs related to home repairs, affordable housing, and drainage system improvements. CBS News states that of the $88 million, $40 million could go toward housing costs. These costs would include repairs and reconstruction of residential homes that remain in poor condition since the flooding. Those who have already paid for their repairs may receive reimbursement through this grant.

In order to receive these reimbursements, you first need to apply for them. When applying for compensation, you will need to provide information on your total repair costs, the amount covered by FEMA, and the amount covered by your insurance provider. If you paid any costs out-of-pocket on top of this coverage, you could receive that money back through the federal grant.

Are These Reimbursements Guaranteed? 

No, you are not guaranteed reimbursement through this program. It all depends on your application and whether you meet various requirements. You can discuss these requirements in more detail with a property insurance lawyer. As of early October, the City of Fort Lauderdale was still waiting to review the proposed grant, the reimbursement program, and additional factors before the Commission gives its final seal of approval.

Florida Lawmakers Consider Other Forms of Support

Meanwhile, Florida lawmakers are struggling to decide whether homeowners should receive additional forms of support. This support would come in the form of new legislation. Some lawmakers have proposed new measures to improve transparency and accountability in the insurance industry. Other lawmakers want to push back against rate hikes. Some are focusing on protecting whistleblowers who tell the public about misconduct and corruption within the insurance industry.

Not all lawmakers agree on the most appropriate measures. Some believe that mandatory mediation is necessary, something that has proven highly controversial among homeowners in Florida. As a result, Florida is at something of a crossroad when it comes to insurance legislation. 

Contact Our Fort Lauderdale Property Insurance Lawyers Today

At Geyer Fuxa Tyler, our legal team is made up of a diverse combination of attorneys who are well-positioned to protect the legal rights and financial interests of policyholders. If your property insurance claim was denied, we can help. For a free consultation, please call us today at (954) 990-5251. With an office in Sunrise, we represent policyholders in Broward County and throughout the state of Florida.

Sources: 

cbsnews.com/miami/news/fort-lauderdale-eyes-88-million-federal-grant-to-aid-flood-recovery-housing/

wjno.iheart.com/featured/florida-news/content/2025-10-09-florida-lawmakers-propose-divergent-approaches-to-property-insurance/