FEMA’s Hazard Mitigation Assistance (HMA) grant programs provide funding for eligible mitigation activities that reduce disaster losses and protect life and property from future disaster damages.  These funds are provided to Oklahoma’s Office of Emergency Management, which in turn makes them available to applicants at the local level.

Grand Gateway administers these grants to eligible counties, towns and tribes in its seven county service area.  Currently, FEMA makes available the following grant programs:

  • Pre-Disaster Mitigation (PDM):  PDM provides funds for Hazard Mitigation Planning and the implementation of mitigation projects prior to a disaster.  The goal of the PDM program is to reduce overall risk to the population and structures, while reducing reliance on federal funding for actual disaster declarations.  PDM grants are awarded on a competitive basis and without reference to state allocations, quotas, or other formula-based allocation of funds.
  • Hazard Mitigation Grant Program (HMGP):  HMGP provides grants to state and local governments to implement long-term hazard mitigation measures after a major disaster declaration.  The purpose of HMGP is to reduce the loss of life and property due to natural disasters and to enable mitigation measures to be implemented during the immediate recovery from a disaster.  The HMGP is authorized under Section 404 of the Robert T.  Stafford Disaster Relief and Emergency Assistance Act.
  • Flood Mitigation Assistance (FMA);  The FMA program was created as part of the National Flood Insurance Reform Act (NFIRA) of 1994 with the goal of reducing or eliminating claims under the National Flood Insurance Program (NFIP).  FEMA provides FMA funds to assist states and communities implement measures that reduce or eliminate the long-term risk of flood damage to structures insured under the NFIP.
  • Repetitive Flood Claims (RFC):  The RFC grant program was authorized by the Bunning-Bereuter-Blumenauer Flood Insurance Reform Act of 2004.  FEMA provides funds to assist states and communities in reducing flood damages to insured properties that have had one or more claims to the NFIP.

FEMA may contribute up to 100% of the total amount approved under the RFC grant award if the applicant has demonstrated that the proposed activities can not be funded under the Flood Mitigation Assistance (FMA) program.

  • Severe Repetitive Loss (SRL):  The SRL grant program was authorized by the Bunning-Bereuter-Blumenauer Flood Insurance Reform Act of 2004.  SRL provides funding to reduce or eliminate the long-term risk of flood damage to SRL structures.  The goal is to reduce or eliminate claims under the National Flood Insurance Program through project activities that will result in the greatest savings to the National Flood Insurance Fund. These activities often take the form of buying out and demolishing the structures.

An SRL structure is defined as a residential property that is covered under an NFIP flood insurance policy and has had either:

  • At least four NFIP claims (including building and contents) over $5,000 each, and the cumulative amount of such claims payments exceeds $20,000; or
  • At least two separate claims (building payments only) with the cumulative amount 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 ten days apart.  Claims are evaluated on a Benefit-to-cost basis.  Federal/non-federal cost share is 75 / 25%; up to 90% federal cost share funding for projects in states, territories, and tribes with FEMA-approved Standard or Enhanced Mitigation Plans or tribal plans that include a strategy for mitigating existing and future SRL properties.

For more information contact Grand Gateway at 1-800-482-4594.