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Loans & Working CapitalConditional

FEMA Community Disaster Loan - Local Government Operating Revenue Recovery

A conditional FEMA loan program can help eligible local governments continue essential municipal services after a major disaster causes a substantial loss of tax or other revenue.

Federal Emergency Management Agency

Who should look at this?

Good fit for: Municipal finance and emergency-management partners evaluating whether disaster-caused revenue losses threaten the ability to maintain essential government services.

Potential audience: Eligible local governments experiencing disaster-caused revenue loss and a need for operating funds to maintain essential services

The program is tied to a qualifying major disaster and local-government financial need. Eligibility, loan size, terms and forgiveness/cancellation rules depend on FEMA requirements and the applicant's demonstrated revenue loss and operating need.

Government / Public Agency

What recovery capacity might it support?

Administrative & Operational SupportFunding & SponsorshipDirect Service Capacity

Availability: Conditional on qualifying federal disaster circumstances and local-government need

Deadline: Incident- and declaration-specific.

Funding / value: Varies by eligible operating need and FEMA program limits.

Do not confuse this with:

Not a construction reimbursement, household loan, nonprofit grant or ordinary business loan. It is not active merely because a disaster occurred.

Applicability

Do not assume this program is available for the July 27 tornado. It depends on federal disaster conditions and local-government financial eligibility; use it as a watch/planning pathway unless FEMA/WEM confirms incident-specific access.

Documentation and cost rules

Local governments should preserve revenue forecasts, tax and other revenue records, operating budgets, disaster-impact evidence and documentation showing the need to maintain essential governmental services.

Prior authorization: yes

Previously incurred costs: not-applicable

The Hub is a starting point, not an eligibility determination. Confirm current rules with the administering organization before relying on a grant, reimbursement pathway, tax treatment, or operational resource.