SBA's disaster loans are the primary form of Federal assistance for the repair and rebuilding of non-farm, private sector disaster losses. The disaster loan program is the only form of SBA assistance not limited to small businesses.
Businesses and private non-profit organizations of any size may borrow up to $2 million to repair or replace disaster damaged or destroyed real estate, machinery and equipment, inventory, and other business assets . In some cases, SBA may be able to refinance all or part of a previous mortgage or lien. Loans may also be increased up to 20 percent of the total amount of disaster damage to real estate and/or leasehold improvements, as verified by SBA, to make improvements that lessen the risk of property damage by possible future disasters of the same kind.
For small businesses, small agricultural cooperatives, small businesses engaged in aquaculture and most private non-profit organizations of all sizes, the SBA offers Economic Injury Disaster Loans (EIDL) up to $2 million to help meet working capital needs caused by the disaster. EIDL assistance is available regardless of whether the business suffered any physical property damage.
The statutory limit for business loans is $2 million and applies to the combination of physical, economic injury, mitigation and refinancing, and applies to all disaster loans to a business and its affiliates for each disaster.
Mail completed applications to:
Processing and Disbursement Center
14925 Kingsport Road
Fort Worth, Texas 76155
Disaster victims can also apply in person at any FEMA-State Disaster Recovery Center, SBA Disaster Loan Outreach Center or SBA Business Recovery Center and receive personal, one-on-one help from an SBA representative. To find a location near you or help applying by mail, please contact our Customer Service Center at 1-800-659-2955 or by e-mail at DisasterCustomerService@sba.gov.
Homeowners and renters applying for assistance in a Presidential disaster declaration must first register with FEMA either online at www.disasterassistance.gov or by phone at 1-800-621-3362.
Some of the services that a DRC may provide include:
- Application for disaster assistance
- Help understanding disaster recovery assistance and programs for survivors
- Help understanding any written correspondence received from FEMA
- Housing assistance and rental resource information
- Answers to questions, resolution to problems and referrals to agencies that may provide further assistance
- Status of applications submitted to FEMA
- Help obtaining and understanding information on Small Business Administration (SBA) assistance programs
In the advanced search criteria users can search for properties that meet their living needs and/or accept specific assistance programs. The relevant advanced search criteria are listed below:
- Pets accepted
- Section 8
- Accessible
To start searching for housing, visit https://asd.fema.gov/inter/hportal/home.htm.
- Are not already receiving food benefits through the Supplemental Nutrition Assistance Program (SNAP), which is the regular state food assistance program (Current SNAP households may be eligible for supplemental disaster benefits.)
- Were living or, in some cases, working in the disaster area at the time of the disaster
- Experienced at least one of the following adverse effects:
- Unreimbursed disaster-related expenses (e.g., home or business repairs, temporary shelter expenses, evacuation expenses, home/business protection, disaster-related personal injury including funeral expenses)
- Lost or inaccessible income
- In some cases, households that have experienced food loss without incurring other disaster-related expenses may be eligible
Your eligibility for Food for Florida is based on your “disaster gross income” or DGI. When you apply for benefits, your caseworker will calculate your DGI by adding your take-home pay, unearned income (such as public assistance payments) and liquid resources (such as bank accounts and cash on hand) and subtract your unreimbursed disaster-related expenses.
The maximum DGI is set each year and is based on household size. If your DGI is less than the maximum you may qualify for Food for Florida. To see current DGIs for various household sizes visit:
http://www.fns.usda.gov/snap/government/FY11_Income_Standards.htm
If there is a presidential declaration, you can apply for Food for Florida when you complete the application process on DisasterAssistance.gov.
You can access a listing of Food for Florida application sites in your area at: http://www.dcf.state.fl.us/programs/access/servicecenters.shtml#svcctrs
Homeowners may apply for up to $200,000 to repair or replace their primary residence to its pre-disaster condition. The loan may not be used to upgrade the home or make additions to it, unless as required by building authority/code. In some cases, SBA may be able to refinance all or part of a previous mortgage (not to exceed $200,000) when the applicant does not have credit available elsewhere, has suffered substantial disaster damage not covered by insurance, and intends to repair the damage. SBA considers refinancing when processing each application. Loans may also be increased by as much as 20 percent of the verified losses (not to exceed $200,000) to protect the damaged real property from possible future disasters of the same kind. Secondary homes or vacation properties are not eligible for home disaster loans; however, qualified rental properties may be eligible for assistance under the business disaster loan program.
Renters and homeowners alike may borrow up to $40,000 to replace damaged or destroyed personal property such as clothing, furniture, appliances, automobiles, etc. As a rule of thumb, personal property is anything that is not considered real estate or a part of the actual structure. This loan may not be used replace extraordinarily expensive or irreplaceable items, such as antiques, collections, pleasure boats, recreational vehicles, fur coats, etc.
Mail completed applications to:
Processing and Disbursement Center
14925 Kingsport Road
Fort Worth, Texas 76155
Disaster victims can also apply in person at any FEMA-State Disaster Recovery Center or SBA Disaster Loan Outreach Center and receive personal, one-on-one help from an SBA representative. To find a location near you or help applying by mail, please contact our Customer Service Center at 1-800-659-2955 or by e-mail at DisasterCustomerService@sba.gov.
Homeowners and renters applying for assistance in a Presidential disaster declaration must first register with FEMA either online at www.disasterassistance.gov or by phone at 1-800-621-3362.
- You have losses in an area that has been declared a disaster for individual assistance by the President of the United States
- You have no insurance, or have filed for insurance benefits and the damage to your property is not covered by your insurance, or your insurance settlement is insufficient to cover your losses
- You or someone who lives with you is a citizen of the United States, a non-citizen national, or a qualified alien
- The home in the disaster area is where you usually live and where you were living at the time of the disaster
- You are not able to live in your home now, you cannot get to your home due to the disaster, or your home requires repairs because of damage from the disaster.
In addition, you can visit a local Disaster Recovery Center (DRC) for assistance. See the DRC Locator form of assistance for more information.
- You have losses in an area that has been declared a disaster area by the President of the United States
- You have no insurance, or have filed for insurance benefits and the damage to your property is not covered by your insurance, or your insurance settlement is insufficient to meet your losses
- You or someone who lives with you is a citizen of the United States, a non-citizen national, or a qualified alien
- You have necessary expenses or serious needs because of the disaster
- You have accepted assistance from all other sources for which you are eligible, such as insurance proceeds or Small Business Administration disaster loans.
http://www.fema.gov/assistance/index.shtm
Section 203(k) Rehabilitation Mortgage Insurance enables homebuyers and homeowners to either finance both the purchase (or refinancing) of a house and the cost of its rehabilitation through a single mortgage, or finance the rehabilitation of their existing home. Money may be used for rehabilitation efforts ranging from relatively minor to virtual reconstruction. Section 203(k) insured loans can finance the rehabilitation of the residential portion of a property that also has non-residential uses and they can cover the conversion of a property of any size to a one- to four- unit structure.
In order to be eligible for Section 203(k) Rehabilitation Mortgage Insurance, you must be able to make monthly mortgage payments and be rehabilitating a home that is at least one year old.
http://hud.gov/ll/code/llslcrit.cfm
http://www.hud.gov/offices/hsg/sfh/ins/203h-dft.cfm
For more information on the Section 203(k) Rehabilitation Mortgage Insurance program, visit:
http://www.hud.gov/offices/hsg/sfh/203k/203kmenu.cfm
If you have additional questions, contact our FHA Resource Center at:
http://www.hud.gov/offices/hsg/sfh/fharesourcectr.cfm
Or call:
1-800-CALL-FHA (1-800-225-5342)
You can also locate your local FHA Homeownership Center at:
http://www.hud.gov/offices/hsg/sfh/hoc/hsghocs.cfm You may also email us at:info@fhaoutreach.com
- An individual
- A cooperative organization, corporation, partnership, or other legal entity organized and operated on a profit or nonprofit basis
- An Indian tribe on a Federal or State reservation or other Federally recognized tribal group, or
- A public body.
- Provide employment
- Improve the economic or environmental climate
- Promote the conservation, development, and use of water for aquaculture, or
- Reduce reliance on nonrenewable energy resources by encouraging the development and construction of renewable energy systems.
- Assistance with filing claims for tax refunds
- Tax information and assistance
- Disaster kits containing tax forms and publications to help victims determine the amount of a casualty loss deduction for destroyed property
- Information on ways to reconstruct destroyed financial records
- Copies or transcripts of previously filed tax returns free of charge
The IRS may postpone tax deadlines to provide extra time to file returns and pay taxes. Interest may decrease for the extensive period of time to file tax returns and pay taxes.
http://www.irs.gov/businesses/small/article/0,,id=156138,00.html
Or contact your local Taxpayer Assistance Center:
http://www.irs.gov/localcontacts/index.html
For additional information contact:
IRS Tax Forms & Publications
SE:W:CAR:MP:FP, IR-6526
1111 Constitution Ave NW
Washington, DC 20224
Disaster Legal Services (DLS) provides legal assistance to individuals who are unable to secure legal services adequate to meet their disaster-related needs. When the President declares a major disaster, the Federal Emergency Management Agency, through an agreement with the Young Lawyers Division of the American Bar Association, provides free legal assistance to low income disaster survivors. Legal assistance includes counseling and advice, referral to appropriate sources of legal services and legal representation in non-fee-generating cases. Cases that may generate a fee are turned over to the local lawyer referral service.
DLS providers typically help with:
- Insurance claims for doctor and hospital bills, loss of property, loss of life, etc.
- New wills, powers of attorney and other legal papers lost during the disaster
- Home repair contracts and contractors
- Problems with landlords
Please note that when you contact the numbers above, you will be able to get disaster-specific assistance and information. At that time, you will also receive information on how to get legal assistance.
http://www.fema.gov/assistance/index.shtm
http://www.abanet.org/disaster/
http://www.disasterlegalaid.org/
http://www.lsc.gov/
The U.S. Department of Agriculture's (USDA's) Food and Nutrition Service (FNS) can authorize the issuance of D-SNAP when the President declares a major disaster for individual assistance. States must request that FNS allow them to issue emergency benefits in areas affected by a disaster. FNS works closely with states to prepare plans for D-SNAP.
USDA provides administrative funding to individual states, which operate their own D-SNAP programs. USDA funds 100 percent of the costs of D-SNAP benefits for eligible households. While program requirements vary somewhat from state to state, those eligible for D-SNAP typically must have experienced one of the following:
- Food damaged by disaster event or spoiled due to power outage
- Disaster-related expenses not expected to be reimbursed during the benefit period (e.g., home or business repairs, temporary shelter expenses, evacuation expenses, home/business protection, disaster-related personal injury including funeral expenses)
- Lost or inaccessible income, including reduction or termination of income, or a delay in receipt of income for half the benefit period
Each household's circumstances must be reviewed by state human services agency certification staff to determine eligibility. Currently, applicants must apply in person directly to each state D-SNAP program for benefits.
http://www.fns.usda.gov/snap/contact_info/hotlines.htm
Individuals may also apply in-person using a paper application at a disaster services site. Mobile units may also be operating to assist special needs populations or isolated areas.
http://www.fns.usda.gov/disasters/disaster.htm
Payment will be made to you if, as a direct result of a presidentially-declared major disaster, you:
- No longer have a job,
- Are unable to reach your place of work,
- Were about to commence work and as a result of a major disaster, do not now have a job or are unable to reach that job,
- Have become the breadwinner for the household because the head of household died as a direct result of the disaster (If you became a breadwinner due to the death of a self-employed individual as a direct result of the disaster, you are considered an unemployed worker for DUA purposes), or
- Cannot work because of a disaster-incurred injury.
Unless you have an injury or are self-employed and performing activities to return to self-employment, you must be able to work and be available for work. These are the same requirements to be eligible for regular state unemployment insurance benefits.
To determine your eligibility for unemployment insurance (UI) benefits, you should contact the state unemployment insurance agency in the state where you are located as soon as possible after becoming unemployed. In some states, you can now file a claim by telephone and the Internet.
http://offices.sc.egov.usda.gov/
Or write the Farm Service Agency, Emergency Conservation Program Manager at:
National Program Manager
Emergency Conservation Program
Farm Service Agency
Conservation and Environmental Programs Division
1400 Independence Avenue, SW, Room 4710
Washington, D.C. 20250
http://www.fsa.usda.gov/FSA/webapp?area=home&subject=copr&topic=ecp
- repair or replace buildings or other structures
- purchase livestock and equipment
- pay essential farm operating and family living expenses
- refinance debt, or
- repair or replace essential household contents damaged in the disaster.
You may obtain information about this program and how to apply at:
http://www.fsa.usda.gov/FSA/webapp?area=home&subject=fmlp&topic=efl
Applicants who are unable to qualify for a guaranteed loan may be eligible for a direct loan from FSA. Direct loans are made and serviced by FSA officials using Government funds. FSA provides direct loan customers with supervision and credit counseling so that they have a greater chance to be successful. The maximum direct FO loan is $300,000.
- Be a U.S. citizen or permanent resident
- Not be delinquent on a Federal debt
- Not have caused a loss to the Government by having a previous Federal debt forgiven
- Not have a poor history of repaying debts
- Not have any controlled substance convictions
- Be the operator of a "family-sized farm" after the loan is closed
- Not have any outstanding judgments against you
- Be unable to obtain credit elsewhere.
To apply for a guaranteed loan, visit your lender, who will arrange for the guarantee.
- Locations (find a VA facility)
- Frequently Asked Questions (FAQs)
- Education Benefits Inquiries
- Board of Veteran Appeals
- Ask a Question
- Toll Free Numbers for contacting VA
- FOIA (Freedom of Information Act) requests
- Paperwork Reduction Act Notice
- Medical (including dental and rehabilitation)
- Mental health care
- Property loss, repair, replacement
- Funeral and burial
- Miscellaneous expenses (such as temporary lodging, local transportation, telephone costs, emergency travel)
- Spouse of the victim
- Parents of the victim
- Children of the victim
- Siblings of the victim
- Legally designated victim representative.
Phone: 1-800-363-0441
Mail:
Office for Victims of Crime
ITVERP Resource Center
810 7th Street, N.W.
Washington, DC 20531
Email:ITVERP@usdoj.gov Website:http://www.ovc.gov/itverp
The Louisiana Disaster Supplemental Nutrition Assistance Program (D-SNAP) is the state of Louisiana's disaster food assistance program for low to moderate-income residents. The U.S. Department of Agriculture Food and Nutrition Service approves a state request to operate a D-SNAP after the state has received a Presidential disaster declaration for individual assistance and grocery stores are open and operating in your area. Once program operations have been approved, the Louisiana Department of Children and Family Services (DCFS) will set a limited period for you to file a Louisiana D-SNAP application.
You are eligible for food assistance through the Louisiana D-SNAP if you:
- Are not currently receiving food benefits through the Supplemental Nutrition Assistance Program (SNAP), which is the regular food assistance program (current SNAP households may be eligible for supplemental disaster benefits)
- Were living or, in some cases, working in the disaster area at the time of the disaster
- Experienced at least one of the following adverse effects:
- Unreimbursed disaster related expenses (e.g., home or business repairs, temporary shelter expenses, evacuation expenses, home/business protection or disaster-related injury including funeral expenses)
- Lost or inaccessible income
- Plan to buy food during the disaster benefit period
In some cases, households that have experienced food loss without incurring other disaster related expenses may be eligible.
Your eligibility for Louisiana D-SNAP is based on your “disaster gross income” or DGI. When you apply for benefits, your caseworker will calculate your DGI by adding your take-home pay, unearned income (such as public assistance payments) and liquid resources (such as bank accounts and cash on hand) and subtract your unreimbursed disaster related expenses.
The maximum DGI is set each year and is based on household size. If your DGI is less than or equal to the maximum you may qualify for Louisiana D-SNAP. To see current DGIs for various household sizes visit: http://www.fns.usda.go v/snap/government/FY11_Income_Standards.htm.
You can also pre-register over the telephone at 1-888-LAHELPU (1-888-524-3578).
If you are visually impaired, please call the Customer Service Center at 1-888-LAHELPU (1-888-524-3578) for assistance to register an account.
Louisiana DCFS certification staff must review your household’s circumstances to determine eligibility and complete the full application process to receive benefits. Once you have completed the pre-registration process for Louisiana D-SNAP benefits online or through the help line, you must complete the application process in person at an application processing site in your area to show proof of identity and obtain your Electronic Benefits Transfer (EBT) card. The EBT card will be loaded with your Louisiana D-SNAP benefits and works like a debit card at most grocery stores.
When there is a Presidentially declared major disaster for which individuals are eligible for assistance, the state of Mississippi may request authorization to issue disaster food assistance benefits. The United States Department of Agriculture Food and Nutrition Service approves state requests to operate D-SNAP after the state has received a Presidential disaster declaration for individual assistance and grocery stores are open and operating in your area. Once program operations have been approved, the Mississippi Department of Human Services (MDHS) will set a limited period for you to file a D-SNAP application.
You may be eligible for food assistance through the Mississippi D-SNAP if you:
- Are not already receiving food benefits through the Supplemental Nutrition Assistance Program (SNAP), which is the regular state food assistance program (Current SNAP households may be eligible for supplemental disaster benefits);
- Were living or, in some cases, working in the disaster area at the time of the disaster; and
- Experienced at least one of the following adverse effects:
- Unreimbursed disaster-related expenses (e.g., home or business repairs, temporary shelter expenses, evacuation expenses, home/business protection, disaster-related personal injury including funeral expenses); and
- Lost or inaccessible income
Your eligibility for D-SNAP benefits is based on your “Disaster Gross Income” or DGI. When you apply for benefits, your caseworker will calculate your DGI by adding your take-home pay, unearned income (such as public assistance payments) and liquid resources (such as bank accounts and cash on hand) and subtracting your unreimbursed disaster-related expenses.
The maximum DGI is set each year and is based on household size. If your DGI is less than or equal to the maximum you may qualify for D-SNAP. To see current DGIs for various household sizes visit:
http://www.fns.usda.gov/snap/government/FY11_Income_Standards.htm
You can access a listing of Mississippi application sites in your area at:http://www.mdhs.state.ms.us
Federal flood insurance is not a disaster assistance program. It is an insurance program established to help property owners recover more quickly and at less cost. However, different forms of disaster assistance require that flood insurance be obtained and maintained for different lengths of time in order to qualify for the assistance. Refer to those programs to learn about their specific requirements.
Flood insurance, like other property and casualty coverage, is written by licensed insurance agents. The agent who writes your homeowners or property insurance should be able to assist you in determining your eligibility and coverage options.
Your community maintains a collection of Flood Insurance Rate Maps (FIRMs) that you can view to determine whether your property is located in a high-risk or a moderate- to low-risk zone. You can also find them online at http://msc.fema.gov.
http://msc.fema.gov
If you still have questions after obtaining your flood hazard zone, you may call a FEMA mapping specialist toll free at:
1-877-336-2627
Eligible crops must be commercially produced agricultural commodity crops for which the catastrophic risk protection level of crop insurance is not available. Crops include crops produced for food, livestock feed, or fiber; mushrooms, floriculture, specialty crops, Christmas trees, turfgrass sod, seed crops and aquaculture (including ornamental fish).
Producers interested in receiving risk protection under this program must file an application for coverage and pay the application service fee prior to the crop's application closing date. These application closing dates are established by your local State Farm Service Agency (FSA) Committee and are published annually.
http://www.fsa.usda.gov/FSA/newsReleases...
Savings Bond Redemption and Savings Bond Replacement are not mutually exclusive activities. You may need both types of assistance. Both types of assistance can be requested for the same bond if a bond less than 12 months old was destroyed in a disaster.
No evidence of hardship or property damage is also required.
To receive compensation, victims must comply with state statutes and rules. This requires victims to cooperate with reasonable requests of law enforcement and submit a timely application to the compensation program.
To identify requirements, the Office for Victims of Crime (OVC) website, http://www.ojp.usdoj.gov/ovc/, provides links to Victim Assistance and Compensation Programs and corresponding state administrator contact information.
Local: 301-519-5500
Toll-Free: 1-800-851-3420
TTY: 1-877-712-9279
For mail correspondence, please write to:
Office for Victims of Crime
U.S. Department of Justice
810 7th Street NW., Eighth Floor
Washington, DC 20531
When there is a Presidentially declared major disaster for which individuals are eligible for assistance, the state of Texas may request authorization to issue disaster food assistance benefits. The U.S. Department of Agriculture Food and Nutrition Service approves a state request to operate Disaster SNAP after the state has received a Presidential disaster declaration for individual assistance and grocery stores are open and operating in your area. Once program operations have been approved, the Texas Health and Human Services Commission (HHSC) will set a limited period for you to file a Disaster SNAP application. If eligible, residents will receive one month’s worth of disaster food assistance benefits that are accessed using an Electronic Benefit Transfer (EBT) card.
You are eligible for Disaster SNAP benefits after a disaster in Texas if you:
- Are currently not receiving regular SNAP benefits (current SNAP households may be eligible for supplemental disaster benefits)
- Were living in the disaster area at the time of the disaster.
- Experienced at least one qualifying disaster related expense, such as:
- Lost or inaccessible income
- Home or business repairs
- Temporary shelter expenses
- Evacuation expenses
- Home/business protection against storm damage expenses
- Cost to replace personal or household items
- Clean-up expenses
- Personal injury, including funeral expenses
A household’s eligibility for Disaster SNAP is based on its “disaster gross income” or simply its disaster income. When a household submits a Disaster SNAP application, a caseworker will calculate the disaster income by adding total take-home pay, unearned income (such as Social Security payments) and liquid resources (such as bank accounts and cash on hand). The maximum Disaster Income Limits are set each year at the Federal level and are based on household size. Texas also adds a standard disaster-related expense deduction to the Federal limits, so you may qualify even if your income is above the Federal limits. If your disaster income is less than the maximum you may qualify for Disaster SNAP. To see the current Federal Disaster Income Limits for various household sizes visit: http://www.fns.usda.go v/snap/government/FY11_Income_Standards.htm
http://www.hhsc.state.tx.us/index.shtml
Current SNAP and new D-SNAP customers can find information about which retailers are open for business in a given disaster area by calling the Lone Star Help Desk toll-free at 1-800-777-7EBT (1-800-777-7328).
- Social Security Administration (SSA)
- Supplemental Security Income (SSI)
- Veterans Affairs (Compensation and Pension only)
- Railroad Retirement Board
- Office of Personnel Management
- Direct deposit will allow your Federal benefit payments to go straight into your checking or savings account.
- The Direct Express® Debit MasterCard® card provides a low-cost alternative to paper checks for Federal benefit payments. Cardholders can make retail purchases, pay bills and get cash back.
Applicants can learn more or sign up for direct deposit or the Direct Express® over the phone, online or by mail.
Phone: 1-800-333-1795
Online: http://www.godirect.org
Mail: Complete Federal Management Service (FMS) Form 1200 which can be found at http://www.godirect.org, and follow the mailing instructions on the website.
http://www.godirect.org
Registrants can submit their location and list family members traveling with them. They can also list specific guardians, friends or family members who have their permission to get information on their situation and location from the NEFRLS website.
People looking for people affected by a disaster can also register to use NEFRLS to search for missing family members as long as they have some personal information to identify their missing family member and that family member has listed them as a person who can have access to their situation and location.
Please note: The system is only activated to support presidentially-declared disasters and mass evacuations, and is not active at any other time.
1-800-621-FEMA (3362) or 1-800-462-7585 (TTY) for people with hearing or speech disabilities
1.Visit https://moversguide.usps.com/. Safeguard your personal information with identity validation by a simple $1 charge to your credit or debit card.
2.Call the USPS Call Center at 1-800-ASK-USPS (1-800-275-8777).
3.Fill out and submit PS Form 3575, which you can pick up at any U.S. Post Office, and submit it at the Post Office. The form may be submitted at any U.S. Post Office, mailed to any Post Office, or provided to any Postal Mail Carrier.



