Severe Repetitive Loss (SRL) Grant Program

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    Funder Type

    Federal Government

    IT Classification

    A - Primarily intended to fund technology


    U.S. Department of Homeland Security (DHS), Federal Emergency Management Agency (FEMA)


    The long-term goal of the SRL program is to reduce or eliminate claims under the National Flood Insurance Program (NFIP) through project activities that will result in the greatest savings to the National Flood Insurance Fund (NFIF) in the shortest period of time. The SRL program differs from FEMA's other mitigation grant programs in that those property owners who decline offers of mitigation assistance will be subject to increases to their insurance premium rates. An SRL property is a residential property that is covered under an NFIP flood insurance policy and: (a) That has at least four NFIP claim payments (including building and contents) over $5,000 each, and the cumulative amount of such claims payments exceeds $20,000; or (b) For which at least two separate claims payments (building payments only) have been made with the cumulative amount of the building portion of such claims exceeding the market value of the building. For both (a) and (b) above, at least two of the referenced claims must have occurred within any 10-year period, and must be greater than 10 days apart. Only the following mitigation activities are eligible for the SRL program:

    1. Acquisitions/Relocations: The acquisition of the structure and underlying real property for the purpose of creating open space, demolition or relocation of the structure, and conversion of the property to deed-restricted open space uses in perpetuity;
    2. Elevations: Any activity through which an existing building with the lowest floor below the base flood elevation (BFE) is physically raised to an elevation at or above the BFE;
    3. Mitigation Reconstruction: Any activity where an existing building and/or foundation is partially or completely demolished or destroyed and an improved, elevated building is constructed on the same site;
    4. Minor Localized Flood Reduction Projects; and
    5. Floodproofing.

    Certain project activities and their associated costs are not eligible, which are outlined in this program's guidance. Any activity that duplicates benefits received for the same purpose or is within the primary authority of another federal program will be considered ineligible. Projects already in progress will also be considered ineligible. For the current application cycles, FEMA's Mitigation Directorate is unifying the multi-hazard PDM program with the Flood Mitigation Assistance (FMA) program, Repetitive Flood Claims (RFC) program, and Severe Repetitive Loss (SRL) program into a unified Hazard Mitigation Assistance (HMA) program application cycle. The intent of this alignment is to enhance the quality and efficiency of grant awards on an allocation and competitive basis to state, territory, tribal, and local entities for worthwhile, cost-beneficial activities designed to reduce the risks of future damage in hazard-prone areas.


    History of Funding

    None is available.

    Additional Information

    FEMA's mitigation grants, including SRL, are provided to eligible applicant states/tribes/territories that, in turn, provide sub-grants to local governments. The applicant selects and prioritizes applications developed and submitted to them by local jurisdictions to submit to FEMA for grant funds. Prospective sub-applicants should consult the official designated point of contact for their applicant state/tribe/territory for further information regarding specific program and application requirements: For a list of regional offices visit: For a list of State Hazard Mitigation Officers visit:


    U.S. Department of Homeland Security
    Federal Emergency Management Agency
    500 C Street S.W.
    Washington, DC 20472
    (866) 927-5646

  • Eligibility Details

    The state emergency management agency or a similar office (i.e., the office that has primary emergency management or floodplain management responsibility) of the state; the District of Columbia; the US Virgin Islands; the Commonwealth of Puerto Rico; Guam; American Samoa; the Commonwealth of the Northern Mariana Islands; and federally-recognized Indian tribal governments are eligible to apply. Each state, territory, or tribal government shall designate one agency to serve as the applicant for the FMA program. State-level agencies; federally-recognized Indian tribal governments; and local communities are eligible to apply to the grantee as sub-applicants.

    Deadline Details

    The deadline to submit an application for the FY12 SRL Program was December 2, 2011. Similar deadlines are anticipated annually.

    Award Details

    FEMA may contribute up to 75 percent to implement approved activities. In certain cases, an increased federal cost share of up to 90 percent is available for an applicant that has taken actions to reduce the number of repetitive loss properties. Eligible costs for mitigation reconstruction projects funded under SRL are limited to $150,000 Federal share per property (excluding administrative allowances and permitting fees). In some cases, the percentage of non-Federal funds may exceed 25 percent in order to cover total project costs. An applicant's target allocation is based on the national percentage of SRL properties present within the jurisdiction. The Applicant may apply for funding up to or exceeding its target allocation. Total program funding is anticipated to be $100,000,000; 50 projects are expected to be funded.

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