---
title: What is Increased Cost of Compliance?
description: In this video, we talk about the Increased Cost of Compliance or ICC on your flood insurance. How it is beneficial and how to use it.
---

[The Flood Video Blog ](https://www.floodinsuranceguru.com/floodvideoblog)

# [What is Increased Cost of Compliance?](https://www.floodinsuranceguru.com/floodvideoblog/what-is-increased-cost-of-compliance)

 Written by [Chris Greene](https://www.floodinsuranceguru.com/floodvideoblog/author/chris-greene) | Feb 13, 2022 9:33:12 PM

Flood insurance can be complex, especially when it comes to covering additional expenses after a flood. In this video, **The Flood Insurance Guru** explains [**Increased Cost of Compliance (ICC)**](https://agents.floodsmart.gov/topics/handling-claims/increased-cost-of-compliance) — what it is, how it works, and how it can benefit homeowners.

## Understanding ICC and How You Can Benefit

**Increased Cost of Compliance (ICC)** is a provision under [NFIP flood insurance](https://www.usa.gov/agencies/national-flood-insurance-program), administered by [FEMA](https://www.fema.gov/flood-insurance), that helps property owners cover costs associated with bringing their home into compliance with current floodplain management regulations after substantial damage or repetitive loss.

ICC coverage is available in **two situations**:

1. **Substantially damaged homes** – If your home has sustained significant flood damage, ICC can help cover costs to rebuild in compliance with current floodplain standards.
2. **Repetitive loss properties** – Homes that have experienced multiple flood losses may qualify for ICC funding to reduce future flood risk.

**Coverage amount:** ICC provides up to **$30,000** to help mitigate flood risk, which can include costs for elevation, floodproofing, or relocation to meet federal or local floodplain regulations.

### Why ICC Matters for Homeowners

Understanding ICC is crucial for homeowners navigating **flood insurance claims** and floodplain compliance. While NFIP sets the standard for ICC, many state or local agencies may also have programs that support mitigation efforts. By knowing your options, you can:

- Reduce future flood damage
- Lower long-term flood insurance premiums
- Take advantage of federal and local mitigation programs
- Make informed decisions about repairs and improvements

In this video, [**The Flood Insurance Guru**](https://www.floodinsuranceguru.com/) walks you through how ICC works, how to qualify, and how it can help you protect your property while complying with floodplain regulations.

[View full post](https://www.floodinsuranceguru.com/floodvideoblog/what-is-increased-cost-of-compliance)

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