FEMA 50% Rule Appraisals
When the county asks you for a FEMA 50% Rule appraisal — or you simply need one for a substantial improvement or repair — we can help. We provide certified appraisals establishing your home's Actual Cash Value and Replacement Cost.
See if you qualify for a FEMA 50% Rule appraisal
Speak with a certified appraiser today
Not just Tampa — we cover Hernando, Pasco, Hillsborough, Pinellas, Manatee, Sarasota, Charlotte, Lee & Collier counties.
You're in the right place
If you're researching the FEMA 50% Rule, Actual Cash Value, or Replacement Cost for your property, this is exactly what we do.
If the cost to improve or repair your home reaches 50% of the structure's market value, FEMA and local floodplain rules require it to be brought up to current code. A certified appraisal establishes that value.
The depreciated value of your structure — replacement cost minus depreciation. This is the market value figure floodplain administrators use to apply the 50% threshold.
What it would cost to rebuild your structure today. We clearly document Replacement Cost and Actual Cash Value so your improvement or repair costs can be measured against the correct number.
How to get your FEMA 50% Rule appraisal
A simple, three-step process that starts with a phone call.
Call us for a quote
Tell us about your property and your project. We'll explain exactly what your municipality needs.
We inspect & appraise
We measure the structure and prepare a certified appraisal establishing Actual Cash Value and Replacement Cost.
You get your report
A clear, defensible report you can submit to your floodplain administrator or building department.
Not just Tampa — we cover the whole coast
We provide FEMA 50% Rule appraisals throughout the Gulf Coast. If your county isn't listed, call us — chances are we serve your area too.
Why homeowners call us for FEMA 50% Rule appraisals
Floodplain compliance can stall a renovation or repair fast. We deliver clear, defensible appraisals that floodplain administrators trust — so you can keep your project moving.
- State-certified residential appraisers since 2004
- Experienced with local floodplain and building departments
- Reports accepted by local floodplain administrators
- Clear Actual Cash Value vs. Replacement Cost breakdown
- Fast turnaround so your permit isn't held up
- Straight answers over the phone — no run-around
Not sure if the 50% Rule applies?
Give us a call. We'll walk you through Actual Cash Value, Replacement Cost, and what your municipality requires — free of charge.
Get your FEMA 50% Rule appraisal started
The fastest way to get answers on the FEMA 50% Rule, Actual Cash Value, and Replacement Cost is to pick up the phone. Call now and we'll get your appraisal scheduled.