Severe Repetitive Loss Program | Apply Online

Opportunity Summary:

The Severe Repetitive Loss (SRL) Program is a FEMA grant opportunity under the U.S. Department of Homeland Security aimed at reducing long-term flood damage to certain high-risk residential properties. The program is authorized by Section 1361A of the National Flood Insurance Act (NFIA), codified at 42 U.S.C. 4102a. Its central purpose is to fund mitigation actions for homes that have sustained severe repetitive flood losses under National Flood Insurance Program (NFIP) coverage, prioritizing projects that produce the greatest savings to the National Flood Insurance Fund (NFIF) in the shortest timeframe. In practical terms, the grant is designed to help communities invest in measures that lower recurring flood claims and reduce the cycle of repeated disaster recovery spending.

This funding opportunity is discretionary and uses a grant instrument, with the activity category listed as Disaster Prevention and Relief, specifically mitigation. FEMA anticipated making around 50 awards under this announcement, with an estimated total funding amount of $100,000,000. The notice lists no specific award floor or ceiling (both shown as 0), which typically indicates that award sizes can vary widely depending on project scope, the number of eligible properties addressed, and available funds, rather than being constrained by a fixed per-award cap in the summary listing. A cost share or matching requirement applies, meaning recipients should expect to contribute non-federal funds or in-kind resources as required by program rules and applicable guidance.

Eligible applicants include state governments, local governments (such as county and city or township governments), territorial governments, and federally recognized Native American tribal governments. The opportunity also notes “Others” with clarification provided in an additional eligibility section, which usually signals that FEMA may allow certain additional entities to participate under defined circumstances (often through sponsorship or subawards administered by an eligible government), though the controlling details would be in the full program guidance. Because mitigation projects frequently involve property-level actions and community-wide planning, applicants are typically governmental entities capable of administering funds, ensuring compliance, and coordinating with property owners.

The SRL program focuses on residential properties that meet FEMA’s definition of “severe repetitive loss” under flood insurance coverage. While the summary does not list the full definition, the concept generally refers to homes with multiple flood insurance claims or significant cumulative losses over time. The emphasis on generating the “greatest savings to the NFIF in the shortest period of time” reflects a strong benefit-cost mindset: FEMA is looking to invest in mitigation where repeated claims are likely unless meaningful steps are taken, and where those steps can quickly reduce future payouts from the flood insurance fund.

Projects funded under this announcement may involve geospatial and GIS-related work. That matters because identifying, prioritizing, and designing effective flood mitigation often depends on location-based data such as floodplain mapping, elevation information, parcel boundaries, structure location, historical loss data, and hydrologic and hydraulic modeling outputs. GIS can support everything from screening and ranking SRL properties to documenting project benefits, coordinating acquisitions, tracking elevation projects, and improving local mitigation planning. Even when the core activity is physical construction or property acquisition, geospatial analysis is often a key part of targeting and documenting the work.

Key administrative details from the notice include the Funding Opportunity Number DHS 11 MT 110 000 99 and the CFDA number 97.110 (Severe Repetitive Loss Program). The opportunity was posted and created on June 2, 2010, with an original and current closing date of December 3, 2010, and it was archived on January 2, 2011. Applicants seeking the full announcement and related resources were directed to FEMA’s Hazard Mitigation Assistance grants page at www.fema.gov/government/grant/hma/index.shtm. For access issues or assistance, the notice provides FEMA Call Center support at 866-927-5646, referencing the FEMA GPD Call Center.

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