If you live in a presidentially declared disaster area, you may be able to redeem savings bonds early, before the end of the 12-month holding period.
You may also be able to get faster replacement of any paper bonds lost or destroyed in a disaster.
You may ask to both redeem and replace a savings bond if it meets both of the conditions above. Check the TreasuryDirect ® Press Room page to see if any financial companies in your area may redeem bonds early.
TreasuryDirect no longer sells or issues paper bonds. We now issue only electronic bonds.
You can take a guided tour to learn more about TreasuryDirect.
General Program Requirements
To qualify, both of the following must apply to you:
- You have a bond lost or destroyed by a disaster.
- You live in a declared disaster area.
You do not need to prove evidence of hardship or property damage.
Learn how to Redeem or Replace Bonds in Areas Affected by Disasters.
You can also learn about Replacing or Reissuing a Paper EE Bond.