Fiscal Year 2025 Safeguarding Tomorrow through Ongoing Risk Mitigation Revolving Loan Fund Program
FEMA offers low-interest loans via revolving funds to local governments for hazard mitigation projects, reducing disaster risks and costs.
This grant is no longer accepting proposals
Federal Emergency Management Agency has archived this opportunity.
Funder: Department of Homeland Security - FEMA
Due Dates: September 30, 2025 (Application deadline)
Funding Amounts: Minimum award: $5,100,000 per entity | Total program funding: $178M+ for FY25 | Typical duration: multi-year revolving loan fund
Summary: Provides capitalization grants to states and federally recognized tribes to establish revolving loan funds offering low-interest loans for local hazard mitigation projects.
Key Information: Eligible applicants are state governments and federally recognized tribal governments; local governments access funds via state/tribal programs.
Description
The Safeguarding Tomorrow through Ongoing Risk Mitigation Revolving Loan Fund (RLF) Program, administered by FEMA, provides capitalization grants to eligible entities—state governments and federally recognized tribal governments—to establish or recapitalize revolving loan funds. These funds are used to offer low-interest loans to local governments most in need of financial assistance for hazard mitigation projects and activities. The program aims to reduce risks from natural hazards, decrease loss of life and property, lower insurance costs, and reduce federal disaster payments.
The RLF program is designed to complement FEMA’s Hazard Mitigation Assistance (HMA) grant portfolio, empowering states and tribes to make direct funding decisions and support local governments, especially those in low-income or underserved communities. Loans can be used to finance entire hazard mitigation projects or to cover the non-federal cost share for other FEMA mitigation grants.
