Opportunity Information: Apply for DHS 25 STORM 139 00 99
The Fiscal Year 2025 Safeguarding Tomorrow through Ongoing Risk Mitigation Revolving Loan Fund (STORM RLF) Program is a FEMA grant opportunity (Department of Homeland Security, FEMA) designed to help states, federally recognized tribal governments, the District of Columbia, and U.S. territories set up or strengthen revolving loan funds that they manage. The central idea is straightforward: FEMA provides grant funding to capitalize or recapitalize an entity-run loan fund, and that fund then offers low-interest loans to local governments that most need financial help to get hazard mitigation work done. Because it is a revolving loan fund, repayments flow back into the fund and can be loaned out again, helping create a longer-term financing tool rather than a one-time project award.
The program is focused on hazard mitigation, meaning actions taken before disasters happen to reduce the impacts of natural hazards. The practical outcomes FEMA is aiming for include fewer deaths and injuries, reduced damage to buildings and infrastructure, lower insurance costs over time, and a reduction in federal disaster spending after events occur. The benefits are meant to extend across whole communities, including homeowners, businesses, and nonprofit organizations, because mitigation projects carried out by local governments can protect residents, stabilize local economies, and reduce disruptions to essential services.
FEMA describes its primary priority as supporting entity revolving loan funds that can deliver low-interest loans to the local governments most in need of financing assistance. These loans can be used in two major ways: (1) to finance hazard mitigation projects in their entirety, or (2) to cover the non-federal cost share requirement for other FEMA Hazard Mitigation Assistance (HMA) programs or Stafford Act mitigation grants. That second use is important in practice because many communities struggle to come up with match funding even when they are otherwise competitive for federal mitigation grants; the STORM RLF structure can help a community meet those cost-share requirements without having to divert scarce general funds or delay projects.
Beyond the primary priority, FEMA also emphasizes several broader program goals. One is working with participating entities to better understand what capacity and capability they need to run these loan programs effectively. Another is supporting community-driven decision-making and promoting equity in how loan funds are distributed, so that the communities with the greatest need and least access to affordable financing are not left behind. FEMA also signals interest in supporting innovative and transformational hazard mitigation projects, aligned with the priorities referenced in federal law at 42 U.S.C. 5135(d)(3), indicating the program is not only about routine upgrades but also about encouraging forward-looking mitigation investments that can meaningfully change a community's risk trajectory.
This funding opportunity is listed as mandatory and uses a grant as the funding instrument type, under the disaster prevention and relief activity category (CFDA/Assistance Listing number 97.139). Eligible applicants include state governments, federally recognized Native American tribal governments, and other eligible entities as specified by FEMA, with coverage that explicitly includes the District of Columbia and U.S. territories. Applications must be submitted through FEMA Grants Outcomes (GO) at https://go.fema.gov/. The opportunity number is DHS 25 STORM 139 00 99. The posting indicates an original application closing date of 2025-09-30, and it was created on 2025-01-14. Award ceiling and expected awards are not specified in the provided listing, so applicants typically need to consult the full NOFO materials in FEMA GO for funding amounts, match requirements (if any), and detailed program rules.Apply for DHS 25 STORM 139 00 99
- The Department of Homeland Security - FEMA in the disaster prevention and relief sector is offering a public funding opportunity titled "Fiscal Year 2025 Safeguarding Tomorrow through Ongoing Risk Mitigation Revolving Loan Fund Program" and is now available to receive applicants.
- Interested and eligible applicants and submit their applications by referencing the CFDA number(s): 97.139.
- This funding opportunity was created on 2025-01-14.
- Applicants must submit their applications by 2025-09-30. (Agency may still review applications by suitable applicants for the remaining/unused allocated funding in 2026.)
- Eligible applicants include: State governments, Native American tribal governments (Federally recognized), Others.
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FY 2025 STORM RLF Program (FEMA) - FAQs
What is the Fiscal Year 2025 STORM RLF Program?
The Fiscal Year 2025 Safeguarding Tomorrow through Ongoing Risk Mitigation Revolving Loan Fund (STORM RLF) Program is a FEMA grant opportunity that helps certain eligible government entities set up or strengthen (recapitalize) revolving loan funds they manage. Those revolving loan funds then provide low-interest loans to local governments for hazard mitigation purposes.
Which federal agency administers this opportunity?
This is a Department of Homeland Security (DHS) opportunity administered by the Federal Emergency Management Agency (FEMA).
What problem is the program designed to address?
The program is designed to increase access to affordable financing for hazard mitigation actions taken before disasters happen. The intent is to reduce disaster impacts and long-term costs by enabling mitigation projects to move forward, especially in communities that struggle to secure financing or meet non-federal cost-share requirements.
What is a revolving loan fund in this context?
A revolving loan fund is a financing tool where an entity uses FEMA grant funding to capitalize or recapitalize a loan fund, then issues loans (here, low-interest loans) for eligible purposes. As borrowers repay their loans, repayments flow back into the fund and can be loaned out again. This structure is meant to create a longer-term funding mechanism rather than a one-time project award.
Who receives FEMA grant funds under this program?
FEMA provides grant funding to eligible entity applicants (such as states, federally recognized tribal governments, the District of Columbia, and U.S. territories) to capitalize or recapitalize an entity-managed revolving loan fund. The local governments receive low-interest loans from that revolving loan fund (not directly from FEMA under this program description).
Who are the eligible applicants?
Eligible applicants include state governments, federally recognized Native American tribal governments, and other eligible entities as specified by FEMA. The coverage explicitly includes the District of Columbia and U.S. territories.
Are local governments eligible to apply directly to FEMA for STORM RLF grant funds?
Based on the information provided, the program is structured so that eligible entities (states, federally recognized tribal governments, DC, and U.S. territories) apply for FEMA grant funding to run the revolving loan fund, and local governments then apply to that entity-run fund for low-interest loans.
What types of activities does the program support?
The program is focused on hazard mitigation, meaning actions taken before disasters occur to reduce the impacts of natural hazards. The loans offered by entity-run revolving loan funds are intended to help local governments carry out hazard mitigation work.
What are the two major ways local governments can use the low-interest loans?
Loans can be used in two major ways: (1) to finance hazard mitigation projects in their entirety, or (2) to cover the non-federal cost share requirement for other FEMA Hazard Mitigation Assistance (HMA) programs or Stafford Act mitigation grants.
Why is using the fund to cover non-federal cost share important?
Many communities struggle to provide match funding even when they are competitive for federal mitigation grants. The STORM RLF structure can help a community meet those cost-share requirements without diverting scarce general funds or delaying projects.
What outcomes is FEMA aiming to achieve through this program?
The stated practical outcomes include fewer deaths and injuries, reduced damage to buildings and infrastructure, lower insurance costs over time, and reduced federal disaster spending after events occur.
Who is expected to benefit from mitigation projects enabled by these loans?
The benefits are described as extending across whole communities, including homeowners, businesses, and nonprofit organizations, because mitigation projects carried out by local governments can protect residents, stabilize local economies, and reduce disruptions to essential services.
What is FEMA's primary priority for this funding opportunity?
FEMA's primary priority is supporting entity revolving loan funds that can deliver low-interest loans to the local governments most in need of financing assistance.
Does FEMA indicate any additional program goals beyond the main priority?
Yes. FEMA emphasizes broader goals such as working with participating entities to understand what capacity and capability they need to run loan programs effectively, supporting community-driven decision-making, and promoting equity in how loan funds are distributed so communities with the greatest need and least access to affordable financing are not left behind.
Does the opportunity encourage innovative or transformational projects?
Yes. FEMA signals interest in supporting innovative and transformational hazard mitigation projects and references priorities aligned with federal law at 42 U.S.C. 5135(d)(3), indicating the program is intended to support forward-looking mitigation investments and not only routine upgrades.
What is the Assistance Listing (CFDA) number for this program?
The CFDA/Assistance Listing number provided is 97.139.
What is the activity category for this opportunity?
The listing indicates the activity category as disaster prevention and relief.
What is the funding instrument type?
The funding instrument type is a grant.
Is this opportunity listed as mandatory or discretionary?
The opportunity is listed as mandatory.
What is the opportunity number?
The opportunity number is DHS 25 STORM 139 00 99.
Where must applications be submitted?
Applications must be submitted through FEMA Grants Outcomes (GO) at https://go.fema.gov/.
What is the application deadline?
The posting indicates an original application closing date of 2025-09-30.
When was the opportunity created?
The opportunity was created on 2025-01-14.
How much funding is available per award?
The award ceiling is not specified in the provided listing. Applicants typically need to consult the full Notice of Funding Opportunity (NOFO) materials in FEMA GO for funding amounts.
How many awards does FEMA expect to make?
The expected number of awards is not specified in the provided listing. Applicants would typically look to the full NOFO materials in FEMA GO for details.
Are match requirements or cost-share rules stated in the provided listing?
Match requirements (if any) and detailed program rules are not provided in the listing summary shared here. The note provided indicates applicants should consult the full NOFO materials in FEMA GO for match requirements and other program details.
Where can applicants find the detailed rules and requirements?
The information provided indicates applicants typically need to consult the full NOFO materials in FEMA Grants Outcomes (GO) for detailed program rules, funding amounts, and match requirements (if any).
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