This page describes the Severe Repetitive Loss (SRL) and Repetitive Flood Claims (RFC) programs which have been retired.
Severe Repetitive Loss Program
In July of 2013, the Bigger Waters Flood Insurance Reform Act of 2012 eliminated the Severe Repetitive Loss (SRL) program. For more information, please refer to the Fiscal Year 2013 Unified Hazard Mitigation Assistance Guidance.
The Severe Repetitive Loss grant program was authorized by the Bunning-Bereuter-Blumenauer Flood Insurance Reform Act of 2004, which amended the National Flood Insurance Act of 1968 to provide funding to reduce or eliminate the long-term risk of flood insurance damage to severe repetitive loss structures insured under the National Flood Insurance Program (NFIP). The SRL program provided funds to assists states, Indian Tribal governments, and local governments participating in the NFIP. An SRL property is defined as a residential property that is covered under an NFIP flood insurance policy and:
- Had at least four NFIP claim payments (including building and contents) over $5,000 each, and the cumulative amount of such claims payments exceeds $20,000; or
- Had at least two 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 (a) and (b) above, at least two of the referenced claims must have occurred within any ten-year period, and must be greater than 10 days apart.
FEMA provided up to a 75 percent federal cost share for eligible applications. The non-federal cost share could have been adjusted up to 10 percent if the grantee had a FEMA-approved state mitigation plan that addressed how the state had and would continue to reduce the number of severe repetitive loss programs.
Additional SRL resources can be found in the Program Guidance section of this website.
Repetitive Flood Claims Program
In July of 2013, the Bigger Waters Flood Insurance Reform Act of 2012 eliminated the Repetitive Flood Claims (RFC) program. For more information, please refer to the Fiscal Year 2013 Unified Hazard Mitigation Assistance Guidance.
The RFC grant program was authorized by the Bunning-Bereuter-Blumenauer Flood Insurance Reform Act of 2004, which amended the National Flood Insurance Act of 1968. The RFC program was designed to reduce or eliminate the long-term risk of flood damage to structures that were insured under the National Flood Insurance Program (NFIP) that have had one or more claim payments for flood damages. RFC funds were only able to be used to mitigate structures located within a state or community that participated in the NFIP that could not meet the requirements of the Flood Mitigation Assistance (FMA) program due to the lack of state or local capacity that included the inability to manage the sub-grantee or lack of the 25 percent non-federal cost share.
Additional RFC resources can be found in the Program Guidance section of this website.