FEMA Severe Repetitive Loss Grant Program

The Severe Repetitive Loss (SRL) Grant Program, under the Federal Emergency Management Agency (FEMA), provides federal funding to assist state and communities in implementing mitigation measures to reduce or eliminate the long-term risk of flood damage to severe repetitive loss structures insured under the National Flood Insurance Program (NFIP).  SRL was created as part of the National Flood Insurance Reform Act of 2004 (42 U.S.C. 40.30) with the goal of reducing or eliminating claims under the NFIP.  The Texas Water Development Board administers the SRL grant program for the State of Texas on behalf of FEMA.

Do you have questions about the Severe Repetitive Loss Grant?  Please contact Kathy Hopkins.

SRL Property

SRL properties are defined as residential properties that are covered under an NFIP flood insurance policy and:

  • That have at least four (4) flood related damages claims payments (including building and contents) over $5,000 each, and the cumulative amount of such claims payments exceeds $20,000; or
  • For which at least two (2) 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 instances, at least two (2) of the reference claims must have occurred within any ten-year period, and must be greater than 10 days apart.

Eligible Activities

  • Acquisition and demolition or relocation of residential structures;
  • Elevation of existing residential structures;
  • Mitigation reconstruction or residential structures (only when traditional elevation cannot be implemented);
  • Minor localized flood reduction projects; and
  • Dry flood proofing (historic residential properties only).

Applicant Eligibility

Any political subdivision (including any Indian or authorized tribal or native organization) that has zoning and building code jurisdiction over a particular area having special flood hazards and is participating in the NFIP, is eligible to apply for an SRL grant.  Communities that are suspended or on probation from the NFIP are not eligible to apply for an SRL grant. A community applying for an SRL Project Grant must have an approved Multi-Hazard Mitigation in accordance with 44 CFR Part 201.

Eligibility Criteria

A project must, at a minimum, be:

  • Feasible and effective at mitigating the flood hazard;
  • Cost effective to the National Flood Insurance Fund (Benefit-Cost Ratio must yield 1.0 or greater);
  • Physically located in a participating NFIP community or must reduce future flood damages in a NFIP community; and
  • The property owner consultation process must be completed and documented.

A project must also conform with:

  • The minimum standards of the NFIP Floodplain Management Regulations;
  • The applicant's Multi-Hazard Mitigation Plan; and
  • All applicable laws and regulations, such as Federal and State environmental standards and local building codes.

SRL Consultation Process

The consultation process is a requirement for submission of an application for an SRL project.  The consultation process is to notify the property owner that his or her property has been selected for the program, to collect sufficient information about the property, to advise the property owner that the applicant may include his or her property in the SRL application, and also advise that there are potential consequences of declining a mitigation offer.  Property owners who decline offers of mitigation assistance will be subject to increases to their NFIP flood insurance premium rates, unless an appeal is granted by FEMA.

Cost Sharing and Funding Limitations

FEMA may contribute up to 90 percent of the total eligible costs.  At least 10 percent of the total eligible costs must be provided by a non-federal source.  Mitigation reconstruction projects are limited to $150,000 Federal share per property. In some cases, Increase Cost of Compliance (ICC) or Community Development Block Grant (CDBG) can be used as part or all of the local match.

Application Period

The Texas Water Development Board will accept applications during the "Request for Application" time frame.  It is required that applications be submitted electronically through FEMA's web-based Electronic Grants Management System (e-Grants), and a completed Texas Water Development Board Application form for SRL Grants must also be provided.

Applicants must request access into the e-Grants system.  Access requests and questions regarding the application process should be directed to:

Ms. Kathy Hopkins
Texas Water Development Board
Flood Mitigation Planning, Federal and State Programs
1700 North Congress, P.O. Box 13231
Austin, Texas 78711-3231
Telephone: (512) 463-6198
Email: Kathy Hopkins