Elevate Florida flood program leaves Southwest Florida resident in limbo

A homeowner in Southwest Florida shared his experience with the Elevate Florida program, a state initiative aimed at helping residents protect their homes from flooding. This program, launched around this time last year, has seen thousands of applicants statewide, with many being denied.

"It's just frustrating because you're trying to stay in your home," said the Elevate Florida applicant, who requested anonymity to protect his placement in the program.

Three hurricanes—Ian, Milton, and Helene—severely impacted the homeowner's property, forcing him to choose between elevating his home or moving out.

"I'm trying to, number one, be elevated. So, I don't have to deal with the flooding, because it's not fun," he said.

The homeowner applied to Elevate Florida on February 12, 2025, and was accepted months later. According to the Florida Division of Emergency Management (FDEM), eligibility for the program requires homeowners to contribute 25% of inspection costs and the project's total cost.

"I've lived in this neighborhood 18 years. I didn't, didn't want to give up my house for nothing," he said.

The homeowner has already spent $2,100 on inspection costs, with additional expenses looming, such as storage fees and rental housing, without any guarantee of project approval from FEMA.

"If they don't do move forward with any of this, or they tell you, No, we're not going to approve this project, you're out $2,100 and they make that very clear," he said.

He expressed concern over the lack of clarity regarding the total project cost.

"I don't know if this is going to cost 150, I don't know if it's going to cost 400, I don't know what the cost is there. And they don't, they don't provide you with any guidance," he said.

WINK News reached out to FDEM for clarification on financial obligations and case manager responsiveness. FDEM's Director of Communications, Stephanie Hartman, reiterated the 25% obligation and recommended contacting a case manager for assistance.

"When the governor opened his program, which I give him credit. You know, he was trying to help and trying to improve things. I don't think it was 100% thought through," said the homeowner.

"You shouldn't be sitting for three to four months wondering what's going on," he added.

WINK News will continue to investigate the Elevate Florida program, aiming to secure regional approval and denial numbers and address any questions from the community.