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FEMA 50% Rule Appraisals

Substantial improvement and substantial damage determinations for floodplain compliance.

What matters here

FEMA 50% Rule work has its own rules

The FEMA 50% rule requires a market value determination of the structure alone, excluding land — a distinction that routinely trips up appraisers who do not do this work regularly. Local floodplain administrators reject reports that get it wrong.

Every report prepared for this purpose states its intended use and intended user explicitly, applies the value standard that purpose requires, and is signed by the appraiser who performed the work. That is not a courtesy — it is what makes the report usable by the party who has to accept it.

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