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Maryland resilience funding · Federal

Flood Mitigation Assistance Swift Current

Federal Emergency Management Agency (FEMA), U.S. Department of Homeland Security. As of October 29, 2026: post-disaster only. The FY2026 opportunity ($600 million, published July 14, 2026) activates only after a flood-related major disaster or emergency declaration made between June 1, 2025 and May 31, 2027. As of October 29, 2026, OpenFEMA shows no such declaration for Maryland (its only declaration since 2024 is a January 24, 2026 winter storm emergency), so Maryland cannot be activated now.

Status
Post-disaster onlyChecked October 29, 2026
Next date
May 31Last date a flood-related major disaster or emergency declaration can be made and still qualify a state for FY2026 Swift Current
Funder
FederalFederal Emergency Management Agency (FEMA), U.S. Department of Homeland Security
Dates ahead
1Through May 31, 2027
What it funds
Fast mitigation after a declared flood for NFIP-insured repetitive loss and severe repetitive loss buildings: acquisition and demolition or relocation, elevation, dry floodproofing of historic residential or non-residential buildings, structural and non-structural retrofits, and mitigation reconstruction.
Who can apply
States, DC, territories and federally recognized tribes that get a flood-related major disaster or emergency declaration between June 1, 2025 and May 31, 2027 and meet NFIP claims thresholds. Cities, counties and special districts apply as subapplicants through their state; communities must be in the NFIP and need a FEMA-approved hazard mitigation plan.
Match
Up to 75% federal and 25% non-federal; repetitive loss properties can get up to 90% federal and severe repetitive loss properties up to 100%. STORM revolving loan fund loans cannot be used as the non-federal share.
Award
From a $600 million national total, each activated state gets a set-aside of up to $10 million, $20 million or $40 million depending on its NFIP claims, or up to $5 million through a special-consideration request.

How Maryland applicants apply

Only after FEMA activates Maryland. If Maryland gets a qualifying flood declaration, FEMA notifies the state of eligibility and its deadline (usually 120 days after the eligibility period begins), and local governments send subapplications to MDEM, which applies to FEMA. Contact mitigation.mdem@maryland.gov.

The program on fema.gov

Dates

  • May 31, 2027 · Last date a flood-related major disaster or emergency declaration can be made and still qualify a state for FY2026 Swift Currentin 213 days · source
Google CalendarOutlookApple Calendar.ics file

What has changed

  1. July 14, 2026FEMA published the FY2026 Swift Current funding opportunity: $600 million, distributed on a rolling basis, for flood-related declarations from June 1, 2025 through May 31, 2027. (simpler.grants.gov)
  2. April 22, 2026FEMA announced more than $250 million in Flood Mitigation Assistance awards, including Swift Current. (fema.gov)

Sources

Checked against the funder’s own pages on October 29, 2026. Rules and dates change; confirm with the funder before you apply.

Frequently Asked Questions

As of October 29, 2026: Post-disaster only. The FY2026 opportunity ($600 million, published July 14, 2026) activates only after a flood-related major disaster or emergency declaration made between June 1, 2025 and May 31, 2027. As of October 29, 2026, OpenFEMA shows no such declaration for Maryland (its only declaration since 2024 is a January 24, 2026 winter storm emergency), so Maryland cannot be activated now.
Fast mitigation after a declared flood for NFIP-insured repetitive loss and severe repetitive loss buildings: acquisition and demolition or relocation, elevation, dry floodproofing of historic residential or non-residential buildings, structural and non-structural retrofits, and mitigation reconstruction.
States, DC, territories and federally recognized tribes that get a flood-related major disaster or emergency declaration between June 1, 2025 and May 31, 2027 and meet NFIP claims thresholds. Cities, counties and special districts apply as subapplicants through their state; communities must be in the NFIP and need a FEMA-approved hazard mitigation plan.
Up to 75% federal and 25% non-federal; repetitive loss properties can get up to 90% federal and severe repetitive loss properties up to 100%. STORM revolving loan fund loans cannot be used as the non-federal share.
Only after FEMA activates Maryland. If Maryland gets a qualifying flood declaration, FEMA notifies the state of eligibility and its deadline (usually 120 days after the eligibility period begins), and local governments send subapplications to MDEM, which applies to FEMA. Contact mitigation.mdem@maryland.gov.
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