DRFA categories

About DRFA categories

The Australian/state government jointly funded DRFA is administered at the Commonwealth level by the National Emergency Management Agency (NEMA). 

Under the DRFA, four categories of assistance measures are available for activation under an eligible disaster, Categories A and B provide standard assistance and Categories C and D provide additional relief in exceptional circumstances. 

In Queensland, QRA administers the DRFA assistance measures on behalf of the Queensland Government. Each of the Categories are activated separately (refer Section 4 Activation process for DRFA).

DRFA categories

CATEGORY A 

DRFA Category A is assistance to individuals to alleviate personal hardship or distress arising as a direct result of a disaster. This can include:

  • Counter Disaster Operations
  • Emergency Hardship Assistance
  • Essential Services Hardship Assistance
  • Essential Household Contents Grant
  • Structural Assistance Grant.

Counter Disaster Operations (Category A)

AboutCounter Disaster Operations (Category A) is for reimbursement of extraordinary costs associated with eligible activities to alleviate personal hardship and distress.
Activation

DRFA activation can be requested by any state agency or local government by submitting an Activation Request form to QRA via the MARS portal detailing the disaster situation and requesting activation of this relief measure.

Note: local governments do not have a trigger point for this relief measure.

Learn how to apply including steps and key dates.

Administering agencyQueensland Reconstruction Authority

Personal Hardship Assistance Scheme (Category A)

About

Personal Hardship Assistance Scheme (Category A) is for one-off payments to alleviate personal hardship and distress: 

  • Emergency Hardship Assistance – a grant to address the immediate needs (e.g. food, clothing, emergency accommodation or medical supplies) of individuals and families who are unable to support/fund their own relief and recovery.
  • Essential Services Hardship Assistance – a grant to individuals or families who are suffering hardship due to loss of essential services for more than five days and are unable to support/fund their own relief and recovery.
  • Essential Household Contents Grant – a financial contribution towards the repair or replacement of uninsured essential household contents (income tested).
  • Structural Assistance Grant – a financial contribution towards the repair of damage to an uninsured dwelling (including caravans and residential vessels) to return it to a safe, habitable and secure condition (income tested). 

If DFSDSCS identifies that local service providers have reached their capacity to provide a service to people experiencing personal hardship as a direct result of a disaster event, or that there are no local service providers to assist, DFSDSCS will contact QRA to request activation. If local government identifies a need for activation, they are to contact DFSDSCS directly.

ActivationDRFA activation requested and administered by the Department of Families, Seniors, Disability Services and Child Safety (DFSDSCS)
Administering agencyDepartment of Families, Seniors, Disability Services and Child Safety (DFSDSCS)

CATEGORY B

DRFA Category B is for assistance for restoration of essential public assets, certain counter-disaster operations, small businesses, primary producers, not-for-profit organisations and individuals through concessional loans, subsidies or grants.

Counter Disaster Operations (Category B)

AboutReimbursement of extraordinary costs associated with eligible activities aimed at protecting the general public and ensuring public health and safety in public areas (e.g. the community as a whole will benefit from the activity being undertaken). Note: local governments do not have a trigger point for this relief measure.
Activation

DRFA activation can be requested by any state agency or local government by submitting an Activation Request form to QRA via the MARS portal detailing the disaster situation and requesting activation of this relief measure.

Learn how to apply including steps and key dates.

Administering agencyQueensland Reconstruction Authority

Essential Services Safety and Reconnection Scheme (Category B)

AboutTo assist homeowners to inspect and/or repair damaged essential services (electricity, gas, water, sewerage/septic systems) that are uninsured (income tested). If DFSDSCS identifies that local service providers have reached their capacity to provide a service to people experiencing personal hardship as a direct result of a disaster event, or that there are no local service providers to assist, DFSDSCS will contact QRA to request activation. If local government identifies a need for activation, they are to contact DFSDSCS directly.
ActivationRequested by the Department of Families, Seniors, Disability Services and Child Safety (DFSDSCS)
Administering agencyDepartment of Families, Seniors, Disability Services and Child Safety (DFSDSCS)

Reconstruction of Essential Public Assets (including Emergency Works and Immediate Reconstruction Works) (Category B)

About

Reconstruction to pre‑disaster function of eligible, uninsured, essential public assets damaged as a direct result of an eligible disaster. 

Note: local governments must have eligible expenditure exceeding their trigger points to be able to submit for reimbursement.

Activation

Requested by any state agency or local government by submitting an Activation Request form to QRA via the MARS portal detailing the disaster situation and estimated expenditure.

Learn how to apply including steps and key dates.

Administering agencyQueensland Reconstruction Authority

Disaster Assistance Loans – Small Business (Category B)

About

Concessional loans up to $250,000 to small business operators to repair or replace damaged buildings, plant and equipment, or stock. 

CDSB will provide regional support to source information from state agencies and local governments, industry bodies, small businesses and ‘on the ground’ observations from staff visiting affected area. 

If CDSB identifies a need for the activation of this relief measure, CDSB will contact QRA to request activation. If local government identifies a need for activation, they are to contact CDSB directly.

ActivationDRFA activation requested by the Department of Customer Services, Open Data and Small and Family Business (CDSB).
Administering agencyDepartment of Customer Services, Open Data and Small and Family Business (CDSB) 
via Queensland Rural and Industry Development Authority (QRIDA).

Disaster Assistance Loans – Primary Producer (Category B)

About

Concessional loans up to $250,000 to primary producers to repair or replace damaged buildings, plant and equipment or livestock. 

DPI regional officers source information from state agencies and local governments, industry bodies, primary producers and ‘on the ground’ observations from staff visiting affected area. 

If DPI identifies a need for the activation of this relief measure, DPI will contact QRA to request activation. If local government identifies a need for activation, they are to contact DPI directly.

ActivationRequested by Department of Primary Industries (DPI)
Administering agencyDepartment of Primary Industries (DPI) 
via Queensland Rural and Industry Development Authority (QRIDA)

Disaster Assistance Loans – Not-for-profit (Category B)

AboutConcessional loans up to $100,000 to not‑for‑profit organisations to repair or replace damaged plant and equipment, and/or repair essential premises. DFSDSCS regional officers source information from state agencies and local governments, industry bodies, non‑government organisations and ‘on the ground’ observations from staff visiting affected area. If DFSDSCS identifies a need for the activation of this relief measure, DFSDSCS will contact QRA to request activation. If local government identifies a need for activation, they are to contact DFSDSCS directly.
Activation Requested by Department of Families, Seniors, Disability Services and Child Safety (DFSDSCS)
Administering agencyDepartment of Families, Seniors, Disability Services and Child Safety (DFSDSCS) 
via Queensland Rural and Industry Development Authority (QRIDA)

Essential Working Capital Loans – Small Business (Category B)

AboutConcessional loans up to $100,000 to small businesses that have suffered a significant loss of income for essential working capital required to continue business operations. CDSB will provide regional support to source information from state government agencies and local governments, industry bodies, small businesses and ‘on the ground’ observations from staff visiting affected area. If CDSB identifies a need for the activation of this relief measure, CDSB will contact QRA to request activation. If local government identifies a need for activation, they are to contact CDSB directly.
ActivationRequested by Department of Customer Services, Open Data and Small and Family Business (CDSB)
Administering agency Delivered by Department of Customer Services, Open Data and Small and Family Business (CDSB) 
via Queensland Rural and Industry Development Authority (QRIDA)

Essential Working Capital Loans – Primary Producer (Category B)

AboutConcessional loans up to $100,000 to primary producers that have suffered a significant loss of income for essential working capital required to continue operations. DPI regional officers source information from state agencies and local governments, industry bodies, primary producers and ‘on the ground’ observations from staff. If DPI identifies a need for the activation of this relief measure, DPI will contact QRA to request activation. If local government identifies a need for activation, they are to contact DPI directly
ActivationRequested by Department of Primary Industries (DPI)
Administering agencyDelivered by Department of Primary Industries (DPI) 
via Queensland Rural and Industry Development Authority (QRIDA)

Essential Working Capital Loans – Not-for-profit (Category B)

AboutConcessional loans up to $100,000 to not‑for‑profit organisations that have suffered a significant loss of income for essential working capital required to continue operations. DFSDSCS regional officers source information from state government agencies and local governments, industry bodies, non‑government organisations and ‘on the ground’ observations from staff. If DFSDSCS identifies a need for the activation of this relief measure, DFSDSCS will contact QRA to request activation. If local government identifies a need for activation, they are to contact DFSDSCS directly.
ActivationRequested by Department of Families, Seniors, Disability Services and Child Safety (DFSDSCS)
Administering agencyDepartment of Families, Seniors, Disability Services and Child Safety (DFSDSCS) 
via Queensland Rural and Industry Development Authority (QRIDA)

Freight Subsidies for Primary Producers (Category B)

AboutAssistance up to $5,000 for movement of stock, feed, machinery, fuel, water and building/fencing materials. DPI regional officers source information from state agencies and local governments, industry bodies, primary producers and ‘on the ground’ observations from staff. If DPI identifies a need for the activation of this relief measure, DPI will contact QRA to request activation. If local government identifies a need for activation, they are to contact DPI directly
Activation Requested by Department of Primary Industries (DPI)
Administering agency Department of Primary Industries (DPI)

CATEGORY C

Category C relief measures may be made available where the community is severely affected by an eligible disaster and existing standard DRFA relief measures are insufficient to support community recovery. Category C is only available in exceptional circumstances and includes clean-up and recovery grants for small business and primary producers and/or the establishment of a Community Recovery Fund following a severe event. Approval is by the Prime Minister and the Premier.

Community Recovery Fund (Category C)

AboutAimed at community recovery, community development and community capacity building for the future. DFSDSCS will collate and review impact information, and if required, a request will be forwarded to QRA for review, then on‑forwarded to the DPC. If endorsed by the Premier, it will be forwarded to the Commonwealth for approval by the Prime Minister.
Activation Requested by Department of Families, Seniors, Disability Services and Child Safety (DFSDSCS)
Administering agency Department of Families, Seniors, Disability Services and Child Safety (DFSDSCS)

Special Disaster Assistance Recovery Grants (Category C)

About

 Up to $25,000 may be made available for small businesses, primary producers and not‑for‑profit organisations that have suffered direct impact from the eligible disaster. Grants can be used for clean‑up and reinstatement, but not for providing compensation for losses (i.e. loss of income/trade). 

The requesting agency will source information from state agencies and local governments, industry bodies, Chambers of Commerce, primary producers, small businesses and on the ground observations from staff visiting the affected areas for each sector. The requesting agency will then review the information collected, and if it meets the requirements as set by the Commonwealth, a request will be forwarded to QRA for review, then on‑forwarded to DPC. If endorsed by the Premier, it will be forwarded to the Commonwealth for approval by the Prime Minister

Activation

Requested by: 

  • Not-for-profit organisations – Department of Families, Seniors, Disability Services and Child Safety (DFSDSCS)
  • Small business – Department of Customer Services, Open Data and Small and Family Business (CDSB).
  • Primary producers – Department of Primary Industries. (DPI).
Administering agency Queensland Rural and Industry Development Authority (QRIDA)

Community Relief Fund (Category C)

AboutThe Community Relief Fund is intended to provide immediate payments to councils to support the delivery of essential immediate recovery activities, including clean-up activities to restore the function of the community that are not included under Categories A and B, insurance or other state-based funding sources.
DeliveryQueensland Reconstruction Authority
Administering agencyQueensland Reconstruction Authority

CATEGORY D

DRFA Category D is for exceptional circumstances assistance beyond Categories A, B, and C. Category D is generally considered once the impact of the disaster has been assessed and specific recovery gaps identified. Approval is by the Prime Minister and the Premier.

Exceptional circumstances assistance (Category D)

About

Category D relief measures may be made available when the community is so severely affected by an eligible disaster that: additional funding is required to meet the particular circumstances of the event; and where a gap or need for special assistance arises that is above and beyond the standard suite (Category A and B) of the DRFA assistance. 

Approval is by the Prime Minister and the Premier. 

Activation

If local governments identify a need for a Category D Extraordinary Special Assistance relief measure, they are encouraged to progress their request through their local disaster management group/district disaster management group to inform the State Function Recovery and Request Group, or relevant state agency, of their recovery needs. 

The requesting agency will then review the information collected, and if it meets the requirements as set by the Commonwealth, a request will be forwarded to QRA for review, then on‑forwarded to DPC. If endorsed by the Premier, it will be forwarded to the Commonwealth for approval by the Prime Minister.

Administering agencyDependent upon the type of assistance made available

JOINT FUNDING - Australian Government – State funding of DRFA 

For simplicity, the publicly acknowledged DRFA funding split is: 

  • Categories A and B – up to 75% Commonwealth and 25% State
  • Category C – 50% Commonwealth and 50% State funding
  • Category D – funding split is agreed to when the measure is approved.

Additional funding outside the DRFA & SDRA

Additional funding outside the DRFA & State Disaster Relief Arrangements (SDRA) could be made available by the Commonwealth to assist communities to recover, such as the Australian Government Disaster Recovery Payment (AGDRP) and the Australian Government Disaster Recovery Allowance (AGDRA). Information on funding available from the Commonwealth is located at www.disasterassist.gov.au.

Print version PDF - DRFA and SDRA fact sheet

 

Last reviewed: 15 July 2025.