Closed
The Newfoundland and Labrador Disaster Financial Assistance Program (NL-DFAP)
Provides financial aid for uninsurable disaster-related damages and losses
Last Update: March 4, 2026
Funding available
Up to 70% of project cost
Timeline
- Receipt of requests is now closed
Location
Newfoundland and Labrador, Canada
Overview
The Newfoundland and Labrador Disaster Financial Assistance Program (NL-DFAP) provides emergency financial aid to individuals, small businesses, not-for-profits, and local authorities for uninsurable losses and damages caused by eligible natural disasters. Funding aims to reinstate essential living conditions and restore damaged property, with maximum assistance for homes based on the average provincial home price at the time of loss, covering costs such as repairs, essential belongings, debris removal, and restoration.
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Opportunity Score
Moderate potential, but conditions must align.
At a glance
Funding available
Financing goals
- Increase social or community impact
- Renovate or expand facilities
Eligible Funding
- Up to 70% of project cost
Timeline
- Receipt of requests is now closed
Eligible candidates
Eligible Industries
- Agriculture, forestry, fishing and hunting
- Other services (except public administration)
- Public administration
Location
- Newfoundland and Labrador
Legal structures
- Financial cooperative
- Non-profit
- Public or Parapublic institution
- For-profit business
- Sole proprietorship
- Non-financial cooperative
Annual revenue
- From $ 10,000 to $ 2,000,000 in revenue
Organisation size
- 20 employees maximum
Audience
- Indigenous Peoples
- Rural or Northern Residents
- Canadians
Non-profit candidates
Sector of operation
- Emergency and Relief
- Economic, Social and Community Development
- Housing
Target groups
- General public
- Rural / Remote communities
Revenue structures
- All structures
Scope
- Local
- Municipal
- Regional
- Provincial
Next Steps
1
Determine your project
2
Validate your eligibility
Activities funded
- Repair and restoration of primary residences and essential property damaged by an eligible disaster.
- Recovery and re-establishment of small business operations affected by a disaster, including necessary repairs and replacement of equipment.
- Restoration and rebuilding of not-for-profit organization facilities and essential community services impacted by disaster events.
- Mitigation projects designed to reduce vulnerability to future disasters, subject to approval.
- Emergency clean-up activities required to enable the safe resumption of occupancy or business operations.
Eligibility
Who is eligible?
- Small businesses (including landlords)
- Farming operations
- Self-employed fishers, trappers, and loggers
- Not-for-profit organizations
- Not-for-profit cooperatives
Eligible expenses
- Cleaning and debris removal (including out-of-pocket costs, waste disposal, and hazardous material removal).
- Compensation for hours spent on clean-up at minimum wage (up to a capped amount).
- Repair and restoration of damaged business premises to their pre-disaster condition, as substantiated by damage appraisal reports.
- Replacement or repair of damaged essential business equipment and inventory required for operations.
- Incremental compensation paid to employees or contractors specifically for clean-up activities after the disaster.
- Reasonable fixed business expenses incurred due to the disaster (e.g., rental of office space and equipment for a limited period).
- Restoration, rebuilding, or replacement of damaged facilities owned by not-for-profit organizations.
- Landscaping costs only if they are an essential part of business operations (such as golf courses or botanical gardens).
- Levelling and restoring damaged farmland to workable condition for farms.
- Replacement or repair of farm machinery, equipment, livestock (if uninsurable), and harvested crops or business inventory in storage.
Eligible geographic areas
- Newfoundland and Labrador
Additional information
- The program is only activated following a public announcement after an eligible disaster has occurred.
- Applicants must disclose insurance payouts and assistance from other sources, which will be deducted from the final settlement amount.
- False or withheld information can result in disqualification from receiving assistance.
- A request for reconsideration can be submitted within 30 days if an applicant disagrees with a denial or settlement amount.
Contacts
Frequently Asked Questions about the The Newfoundland and Labrador Disaster Financial Assistance Program (NL-DFAP) Program
Here are answers to the most common questions about the The Newfoundland and Labrador Disaster Financial Assistance Program (NL-DFAP). This section explains what the program is, how much funding is available, eligibility requirements, application deadlines, and other important details to help you determine if this grant is right for your business.
What is the The Newfoundland and Labrador Disaster Financial Assistance Program (NL-DFAP)?
The Newfoundland and Labrador Disaster Financial Assistance Program (NL-DFAP) provides emergency financial aid to individuals, small businesses, not-for-profits, and local authorities for uninsurable losses and damages caused by eligible natural disasters. Funding aims to reinstate essential living conditions and restore damaged property, with maximum assistance for homes based on the average provincial home price at the time of loss, covering costs such as repairs, essential belongings, debris removal, and restoration.
How much funding can be received?
The Newfoundland and Labrador Disaster Financial Assistance Program (NL-DFAP) Funds up to 70% of admissible expenses.
Who is eligible for the The Newfoundland and Labrador Disaster Financial Assistance Program (NL-DFAP) program?
To be eligible for the The Newfoundland and Labrador Disaster Financial Assistance Program (NL-DFAP) program, you must:
Annual gross revenues between $10,000 and $2 million
No more than 20 full-time employees
Owner-operated enterprise with owner managing day-to-day operations
What expenses are eligible under The Newfoundland and Labrador Disaster Financial Assistance Program (NL-DFAP)?
Repair and restoration of primary residences and essential property damaged by an eligible disaster.
Recovery and re-establishment of small business operations affected by a disaster, including necessary repairs and replacement of equipment.
Restoration and rebuilding of not-for-profit organization facilities and essential community services impacted by disaster events.
Mitigation projects designed to reduce vulnerability to future disasters, subject to approval.
Emergency clean-up activities required to enable the safe resumption of occupancy or business operations.
Who can I contact for more information about the The Newfoundland and Labrador Disaster Financial Assistance Program (NL-DFAP)?
You can contact Government of Newfoundland and Labrador by email at NL-DFAP@gov.nl.ca or by phone at 1-888-395-5611.
Where is the The Newfoundland and Labrador Disaster Financial Assistance Program (NL-DFAP) available?
The The Newfoundland and Labrador Disaster Financial Assistance Program (NL-DFAP) program is available the province of Newfoundland and Labrador.
Is the The Newfoundland and Labrador Disaster Financial Assistance Program (NL-DFAP) a grant, loan, or tax credit?
The Newfoundland and Labrador Disaster Financial Assistance Program (NL-DFAP) is a Grant and Funding