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      EnglishEspañolFrançaisKreyòlTiếng Việt简体中文한국어  Assistance After a Disaster
              
              
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              
                                                                                                                                                                                                    

              Governments and Private Non-Profits
                          Governments and Private Non-Profits

                      Community Disaster Loan Program
                  
                                        
                    
          
                    
                            
                                        
                    
          
                    
                            
                                        
                    
          
                    
                            
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          Community Disaster Loan Program
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The Community Disaster Loan Program provides funding for local governments to operate their essential community services after  substantial revenue loss caused by a disaster.



Graphic
              Several buildings together in a community.Essential Services



Police and fire protectionRevenue collectionHazard insuranceTrash collectionPublic facilities maintenance



How to Apply



Step 1: Determine  Eligibility



Local governments can apply if they:



Are located in a presidentially declared disaster areaExperienced a revenue loss greater than or equal to five percentSustained a revenue loss that affects the current or next fiscal yearStep 2: Financial Evaluation



FEMA will assist the applicant with intake, financial  evaluation, explaining the requirements, determining if you are qualified, and helping  you to meet submission deadlines.



Step 3: Analysis/Application



FEMA and the applicant prepare the application together  during the Loan Open Application Period (LOAP). This is time from the last day of the presidential disaster declaration incident period through the end of your local government’s next fiscal year. You must complete your application before the end of the  eligible fiscal year.



Step 4: Application Submission



You will submit your completed application through the governor’s authorized representative in your FEMA regional office.



Step 5: Final Review and Notification



FEMA reviews the loan application and notifies the applicant when it is signed.



Requirements of Community Disaster Loan



If the loan application is approved, your local government must agree to the terms and conditions of the loan, and to FEMA’s maintenance and cancellation procedures.



The loan amount will not exceed 25 percent of your local  government’s annual operating budget for the fiscal year. The maximum amount is  $5,000,000.The applicant must sign the FEMA promissory note. In some cases, the state/tribe/territory co-signs.The standard loan is for five years. However, it may be extended to 10 years depending on circumstances.Interest accrues only on the portion of funds drawn by applicant. Find current interest rates.Funds must be used only to continue or expand  existing essential municipal services to meet disaster-related needs.From the second year through the life of the loan, your local government must provide audited financial statements to FEMA.The loan may be cancelled if the local  government can show it has a cumulative operating deficit.



Community Disaster Loan Program Information and Resources



Community Disaster Loan Fact SheetCommunity Disaster Loan Program Checklist
Last updated February 12, 2024

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