For more detailed information about SI/SD, please see the following FEMA publications:
Substantial Improvement and Substantial Damage Desk Reference:
Questions about Substantial Improvement / Substantial Damage:
If your structure is located in the Special Flood Hazard Area (SFHA) and is not flood compliant, meaning that the lowest floor elevation of the structure is below the base flood elevation plus 1 foot of freeboard elevation (BFE + 1’), the Town of Fort Myers Beach (the Town) has flood damage prevention regulations that may affect how you remodel, renovate, or add on to your building.
The NFIP (National Flood Insurance Program) requires that any structure located in the SFHA (flood zones beginning with A and V) where the cost of proposed improvements or repairs equals or exceeds 50% of the value of the structure must be brought into full compliance with current flood damage prevention regulations.
After submitting the two inspection reports and applying for a building permit, the contractors and design professionals associated with the permit must be registered with the Town of Fort Myers Beach. Note that any person engaging in contracting services in the State of Florida must be currently registered, certified, or possess a certificate of authority through the Department of Business and Professional Regulation (DBPR). Under section 489.127 Florida Statutes, anyone providing unlicensed contracting services during a state of emergency commits a felony of the third degree.
Due to structures throughout the Town of Fort Myers Beach being located in the special flood hazard area, the FEMA “50% Rule” for substantial improvement or substantial damage will continue to be enforced during plan review. Please consult with your design professional to determine whether this rule will impact the design of your construction project.