FEMA FY2026 Flood Mitigation Assistance Swift Current (funding opportunity DHS-26-MT-144-000-99) makes $600 million available for disaster-activated flood mitigation work intended to reduce repetitive flood damage to NFIP-insured structures in participating communities.
Who can apply: Direct applicants are states, the District of Columbia, U.S. territories, and federally recognized tribal nations through one designated agency. Eligible local governments and other eligible political subdivisions may participate as subapplicants through the applicable state or territory. Applicants and subapplicants must satisfy applicable NFIP and hazard mitigation plan requirements.
Deadline: There is no single universal applicant deadline. The overall FY2026 availability window runs from July 14, 2026 through January 31, 2028, but FEMA assigns an applicant-specific deadline after a qualifying flood-related major disaster or emergency declaration and activation. The general applicant window is usually about 120 days after the eligibility period begins, although FEMA can establish different timelines. Subapplicants should use the deadline established by their state, territory, or tribal applicant.
Funding and cost share: FEMA lists $600 million in total program funding. Initial activation set-asides generally range from $5 million to $40 million based on declaration and NFIP claims criteria. Cost share is generally 75% federal and 25% non-federal, with program-specific exceptions including increased federal shares for qualifying Severe Repetitive Loss and Repetitive Loss properties and certain insular-area waiver provisions.
Eligible work: The program supports individual flood mitigation projects and management costs. Localized flood-risk-reduction projects and capability or capacity-building projects are not eligible under this Swift Current opportunity. Project subapplications require FEMA-approved benefit-cost analysis and other FEMA GO information and certifications.
How to apply: Applications are submitted in FEMA GO. Applicants need an active SAM.gov registration with UEI, Login.gov, and the required FEMA GO organization and Authorized Organization Representative setup. Required application forms include the SF-424 family, lobbying certifications and disclosures, budget and assurance forms appropriate to the project type, plus program-specific project documentation.
Official source: FEMA / Simpler.Grants.gov — FY2026 FMA Swift Current.