Safeguarding Tomorrow Revolving Loan Fund Program – Entity Eligibility and Grant Application Requirements

This fact sheet provides information about program eligibility and requirements for receiving grant funding for the Safeguarding Tomorrow through Ongoing Risk Mitigation Revolving Loan Fund (Safeguarding Tomorrow RLF) program. Additional information and requirements can be found in the program’s Notice of Funding Opportunity.

Grant Applicant Eligibility

An entity eligible for grant funding includes any state of the United States, the District of Columbia, Puerto Rico, the U.S. Virgin Islands, Guam, American Samoa and the Commonwealth of the Northern Mariana Islands, as well as federally recognized Tribal Nations having received a major disaster declaration under the Robert T. Stafford Disaster Relief and Emergency Assistance Act

Applying for an award under this program is a multi-step process and requires dedicated time to complete. Eligible entities should read the Application and Submission Information instructions carefully within the Notice of Funding Opportunity. All applications and supporting materials must be submitted using FEMA’s Non-Disaster (ND) Grants management system. The grant application process is described below.

This image shows the timeline of the grant application process.


Grant Requirements for Receiving Funding

The Safeguarding Tomorrow RLF grant requirements ensure compliance with relevant statutory and program requirements, as well as alignment with FEMA’s strategic goals for agency, mitigation and equity objectives.

Entity Hazard Mitigation Plan

An entity must have a FEMA-approved State or Tribal Hazard Mitigation Plan. As part of the application process, the entity must include an assessment of recurring major disaster vulnerabilities that demonstrates a risk to life and property as well as a proposal of the systematic and regional approach to achieve resilience in a vulnerable area. This information should be in the entity’s FEMA-approved Hazard Mitigation Plan and the entity can cite and link to its existing plans. If this information is not in the currently approved plan, an entity can provide additional relevant vulnerability assessment information within the program-specific capitalization grant application form.

Grant Application Package

The grant application package includes a Standard Application for Federal Assistance (SF-424), program-specific capitalization grant application form, Intended Use Plan, and Project Proposal List. Additional information about each of these components is available on the Safeguarding Tomorrow RLF program webpage. FEMA will review these application materials for completeness and alignment with program priorities. FEMA will not be selecting projects or awarding loans. FEMA awards a capitalization grant to an entity, then the entity awards loans to selected projects.

Capitalization Grant Application Form

An entity is required to use this program-specific form when applying for capitalization grant to describe the risks, vulnerabilities, and needs of the entity. The form will ask that information relevant to the grant application, such as the entity’s Hazard Mitigation Plan, be provided or referenced as appropriate.

Project Proposal List and Public Notice Requirement

The Project Proposal List developed by the entity contains the planned local government projects and activities that the entity plans to award. The entity is expected to communicate the funding opportunity with local governments to identify local hazard mitigation projects and activities and incorporate them into their list. To meet the statutory public notice requirement and provide local governments adequate time to identify hazard mitigation projects or activities, the entity must issue a public notice soliciting proposals from local governments for no less than six (6) weeks prior to the submission of a grant application.

Intended Use Plan and Public Comment Requirement

An entity’s Intended Use Plan provides information to FEMA about the process for the management of the entity loan fund, the criteria for the distribution of loans, and the entity’s goals for the program. An entity must post their Intended Use Plan for public comment prior to submitting its grant application package. FEMA will review the entity’s Intended Use Plan to ensure it is developed in accordance with the statutory requirements.

Entity Loan Fund

Before a capitalization grant can be awarded, an entity must establish a revolving loan fund for which its emergency management agency has the authority to manage the Safeguarding Tomorrow RLF program. The structure of the fund and relevant authorities should be detailed in an entity’s Intended Use Plan. An entity may use existing authorities that give their emergency management agency this programmatic authority; enabling legislation is not required. An entity may combine the financial administration of the entity loan fund with the financial administration of any other revolving fund established by the entity, given certain requirements are met. Additional information about financial delegation is available on the Safeguarding Tomorrow RLF program webpage and in the Notice of Funding Opportunity.

Entity Cost Match – 10% Contribution

On or before the date on which a participating entity receives a capitalization grant, the entity must contribute to its loan fund an amount equal to at least 10% of the capitalization grant. If an entity contributes less than 10%, FEMA will reduce the amount of the capitalization grant that they receive to whatever amount is 10 times that of what the entity contributes. FEMA has considered the administrative burden on entities and anticipates making available no less than $5.1 million per capitalization grant application selected for funding with this first funding opportunity.

The source of the entity contribution may include entity programs or budgets, private investment, or other available sources. To ensure the accessibility of loans to local communities, entities may not use contributions from loan recipients to source the entity contribution.

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