Resilient MD Revolving Loans


Resilient Maryland Revolving Loan Fund  

​The Resilient Maryland Revolving Loan Fund (RLF) is a program that ​offers low-interest loans (no more than 1%) to local governments to help finance projects and activities that mitigate the effects of natural hazards.

Local governments can take out RLF loans on behalf of:

  • Homeowners
  • Businesses
  • Nonprofit organizations
  • Communities

A button that reads Intended Use Plan
A button that reads Project Proposal List

What can I fund with an RLF Loan?

​Primarily, RLF funds are used for increasing resilience and mitigating the effects of disasters, including (but not limited to):

  • Floods
  • Snowstorms
  • Tornadoes
  • Extreme heat
  • Severe storms & storm surges
  • High water levels and/or shoreline erosion
  • Drought
  • Wildfires
  • Earthquakes

However, they may also be used to finance:                 

  • Low-impact development
  • Wildland-urban interface management
  • Conservation areas
  • Reconnection of floodplain & open space projects
  • Building code adoption
  • Zoning & land use planning
  • Satisfying a local government's non-federal cost share requirement for hazard mitigation grants (e.g., Hazard Mitigation Grant Program [HMGP], Flood Mitigation Assistance [FMA], or Building Resilient Infrastructure and Communities [BRIC] programs)​
Why should I consider an RLF Loan?

There is a wide assortment of available funding in the world of emergency management, but unlike many others, RLF loans stand out because:                                            

  • A presidential disaster declaration is not required in order to be eligible for the loan.
  • Participation in the National Flood Insurance Program is not required, either!
  • They can be put towards the non-federal cost share of hazard mitigation grants, expanding the ability of communities to access even larger funding sources.
  • They're designed to be accessible to Maryland's underserved communities. (We have a goal that at least 40% of the loans will go to underserved recipients.)
  • They prioritize access to mitigation projects, which have been shown to save $6 in future recovery costs for every $1 spent on them, on average.                                  
I still have que​stions - who should I contact?​​​​​​​​

If you're interested in the Revolving Loan Fund and want to learn more about it, the application process, or any other aspect of the program, you can contact us here:                                                                              

And if you're interested in applying, don't forget to let us know about your interest in an RLF loan here.


Where Does the Money Come From?​

RLF funding is a result of the Safeguarding Tomorrow Through Ongoing Risk Mitigation (STORM) Act, which is an amendment to the Robert T. Stafford Disaster Relief and Emergency Act. In 2021, the Maryland legislature utilized STORM Act funding to establish the Resilient Maryland Revolving Loan Fund under MDEM's management.

Cover image​ and Quote image via Wikimedia Commons