The Rapid Disaster Relief Act amends federal disaster relief law to speed up how quickly communities receive reimbursement money after disasters. Specifically, it requires the federal government to reimburse states, local governments, and other applicants within 120 days of submitting a reimbursement request, but only when at least 90 percent of their estimated disaster costs qualify for federal assistance. The bill affects communities recovering from declared disasters that seek federal aid through the Stafford Act, the main law governing disaster relief. While the legislation itself does not specify new funding amounts, it aims to reduce financial burden on disaster-affected areas by ensuring faster payment of eligible expenses for emergency work like debris removal and infrastructure repairs.