What it does

Use this tool to see how proposed changes to FEMA funding would affect your budget. It compares what you pay now versus what you might pay under the FEMA Review Council’s proposed model.

Users enter two numbers per disaster, and the model shows how much state, local, tribal, and territorial (SLTT) entities would pay under these scenarios.

How to use it

Enter your estimates for up to two disasters. If you only want to see one, leave “Disaster 2” at zero.

  • PA/RAPID Eligible Costs: Total estimated Public Assistance/RAPID eligible costs in dollars.
  • Other Stafford Act funding: Total other Stafford Act funding for the disaster (feeds the Hazard Mitigation calculation).
  • Number of Houses Impacted: Total number of affected households.
  • State Size (for deductible): pick Small, Medium, or Large for Disaster 1; Disaster 2 uses the same SLTT Deductible Size automatically

Everything updates automatically.

What the results tell you

As you enter numbers, the Impact Summary updates automatically to show:

  • The Bottom Line (3 headline cards): Compare your current costs against proposed costs and see the percentage difference.
  • Visual Comparison: A bar chart shows the “Before and After” of the funding
  • Program Area Breakdown: See exactly where the money goes—Public Assistance/RAPID, Hazard Mitigation/R3P, Individual Assistance/FAIR
  • SLTT breakdown by disaster — shows which disaster drives the change.

Understanding the % Change: A positive (+) number means your costs would increase under the Proposed approach. A negative (-) number means your costs would decrease. 

Federal / SLTT Cost-Share Splits

How costs are divided between Federal and SLTT under each model.

Program Area CURRENT PROPOSED
Federal SLTT Federal SLTT
Public Assistance → RAPID 75% 25% 50% 50%
Hazard Mitigation → R3P 75% 25% 50% 50%
Individual Assistance → FAIR 100% Temporary Housing; 75% ONA 25% ONA 75% 25%

Proposed Deductible Tiers

Each disaster is automatically classified into a tier based on its cost. The deductible amount is paid 100% by SLTT; the cost above the deductible is split per the Proposed cost-share rules above.

Tier Disaster Cost Deductible
High $70M and above $50,000,000
Medium $50M – $70M $30,000,000
Low $30M – $50M $15,000,000
Below Threshold Under $30M SLTT covers full cost

Cost-Share basis of calculation

Calculations are based on the following:

  • PA/RAPID: Public Assistance/RAPID eligible Costs.
  • Hazard Mitigation/R3P: X % * all Stafford Act Programs grant award (PA/RAPID Federal share + Other Stafford Act funding + IA/FAIR Federal Share).
  • Individual Assistance/FAIR: $4,300 (Avg ONA/IHP award) * # of homes impacted.
Cost Share Calculation
X= 15% $0 to $2B
10% $2B to $10B
7.5% $10B to $35B
0% Over $35B

Minimum Expenditure (Deductible)

As noted in the Final Report, a Minimum Expenditure (deductible) will be established based on small, medium, and large states before being able to request federal declaration. The table below estimates deductible values to show the impact of what this expenditure could be to the SLTT.

Tier Minimum Expenditure (Deductible)
Large $50,000,000
Medium $30,000,000
Small $15,000,000

Cumulative Minimum Expenditure (deductible) note: When two disasters happen in the same period, what Disaster 1 pays toward the deductible counts toward Disaster 2’s deductible. If Disaster 1 has already met or exceeded the period’s deductible, Disaster 2 may have $0 deductible. Additionally, the deductible is cumulative across all programs, with PA/RAPID absorbing the costs first. If PA/RAPID amounts are above the deductible, the deductible does not impact the other programs.