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Hurricane Ian Recovery

FEMA 50% Rule

The 50% Rule, a regulation of the National Flood Insurance Program, requires that structures with damage exceeding 50% of their market value be rebuilt consistently with the current flood elevation and Florida Building Code.

During a Special Meeting on November 30, 2022, the Cape Coral City Council voted to approve Ordinance 96-22, which amends Articles 11 and 12 of the City's Land Development Code.


This ordinance removes the 5-year cumulative impact rule, which adds the cost of building repairs and additions to the cost to repair damages when determining whether a structure is substantially damaged (at or above 50% damage by market value).

This will result in a slight loss of points gained through the Community Rating System but will make it easier for property owners who recently updated their roofs or made hardening improvements in the past five years to not be affected by the FEMA 50% rule.

Click here to determine if FEMA requirements impact your property & to access the FEMA Package

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