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Resiliency RetrofitS Program

A new resource to help property owners prevent costly water damage!

Homeowners in Kings & Queens Counties may be eligible for up to $50,000 in a 50/50 Loan/Grant to undertake flood mitigation measures and other climate-ready improvements to protect their homes.

Program Details & Eligibility

  • Up to $50,000 in a combination low-interest loan (50%) with matching grant (50%) for flood mitigation, energy efficiency, and electrification improvements (main structure of the home only)

  • Loans are at a 1% simple interest rate and are payable over 5 to 10 years

  • Grant portion of up to $25,000 is considered a deferred loan through the term of the loan and is forgiven once the terms of the loan are satisfied

  • Homes located in Extreme Risk Areas Special Flood Hazard Areas, Floodways and Coastal Erosion Zones are not eligible to participate*

  • Homeowners choose their own properly insured and certified contractor(s)

  • Household income must be at or below 120% of HUD median income (see table below)

  • No minimum credit score required

  • Primary residences only

  • Owner-occupied, 1- to 4-unit buildings allowed

  • Homeowner must undertake a flood mitigation measure as part of the overall home improvement.


*To check to see if your property falls within a Special Flood Hazard Area, enter your address here: FEMA Flood Map Service Center | Search By Address.  If your property lies within the area shaded in blue, your home is not eligible to participate in the Resiliency Retrofits Program.

Kings & Queens County Household Income Limits 120% Area Median Income as determined by HUD

Family Size

1 Person

2 People

3 People

4 People

5 People

Household Income Max







What Kinds of Projects Could Qualify?

  • Flood Mitigation Measures – See examples and descriptions of eligible flood mitigation repairs here.

    • Elevate electrical equipment

    • Use flood-resistant materials

    • Install flood vents, sump pump, or heat pump

    • Add a backwater valve

    • More!

  • Energy Upgrades  Energy upgrades, such as hot water tanks and high-performance windows. To take advantage of this aspect of the program, homeowners need to undertake one flood mitigation item as part of the overall project.

To download an application: click here

For more information visit:

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