Repetitive Flood Claims (RFC) 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 Repetitive Flood Claims (RFC) grant program provides funding to reduce or eliminate the long-term risk of flood damage to structures insured under the National Flood Insurance Program (NFIP) that have had one or more claim payments for flood damages. The long-term goal of the RFC program is to reduce or eliminate claims under the NFIP through mitigation activities that are in the best interest of the NFIF. RFC funds may only mitigate structures that are located within a state or community that cannot meet the cost share or management capacity requirements of the Flood Mitigation Assistance (FMA) program. RFC awards will prioritize projects that create the greatest savings to the National Flood Insurance Fund (NFIF) based on a benefit-cost ratio (BCR). The BCR must be calculated using a FEMA-approved methodology. RFC funds are available for mitigation projects involving:

    1. acquisition and demolition or relocation of structures, with conversion of the underlying property to deed-restricted open space;
    2. elevation of existing structures to at least the base flood elevation (BFE) or an advisory base flood elevation (ABFE) or higher;
    3. dry flood-proofing of non-residential structures; and
    4. minor localized flood reduction projects.

    Eligible RFC activities are limited to the mitigation of residential or nonresidential (commercial) NFIP insured properties that have had one or more claims for flood damages. Please consult the official program guidance for detailed information concerning fundable and restricted activities through this program, and for additional information. For the current application cycles, FEMA's Mitigation Directorate is unifying the multi-hazard Pre-Disaster Mitigation Grant Program (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. All RFC grant applications must demonstrate that the proposed activities cannot be funded under the FMA program due to lack of state or local capacity, which includes either inability to manage the sub-grant or lack of 25 percent match. Applicants are encouraged to conduct outreach to potential sub-applicants that may have previously been unable to apply for FMA or other mitigation programs due to their inability to provide a match or their insufficient capacity to manage a grant.


    History of Funding

    None is available.

    Additional Information

    FEMA's mitigation grants, including RFC, 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:


    US 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. RFC funds may only be awarded if the Applicant has certified, either 1) the state and the community are not able to meet the 25% non-federal match that would otherwise make the activity eligible under the Flood Mitigation Assistance (FMA) program; or 2) the state or community does not have the capacity to manage the activities under the FMA program.

    Deadline Details

    Subapplicants should consult the official designated point of contact for their State/Indian Tribe/Territory for more information regarding the application process.

    Award Details

    Up to $10 million is available annually. FEMA may contribute up to 100 percent of the total amount approved under the RFC grant award to implement approved activities, if the applicant has demonstrated that the proposed activities can not be funded under the Flood Mitigation Assistance (FMA) program program.

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