ORLANDO, Fla. – Many homeowners have turned to FEMA for help recovering from Hurricanes Helene and Milton, but confusion is growing over the agency’s 50-percent rule. The rule, which applies to homes in flood-prone areas, limits repair costs to 50% of the home’s market value. For example, if a home is valued at $100,000, FEMA will cover only up to $50,000 in repairs. If the damage exceeds that amount, the homeowner must cover the rest.