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Insurance, Low interest SBA Disaster Assistance Loans Key to Continuing Recovery

Release date: 
August 23, 2018
Release Number: 
DR-4382-CA NR 008

SACRAMENTO, Calif. – Disaster survivors in California registered for assistance with FEMA are often referred to the U.S. Small Business Administration (SBA) as part of the recovery process.   

Next to insurance, an SBA low-interest disaster loan is the primary source of funds for real estate property repairs and for replacing contents destroyed in the July wildfires.

The deadline to apply for physical property damage is Oct. 3, 2018.

Here are some things to remember:

  • Survivors may visit the nearest Disaster Recovery Centers (DRC). SBA has staff at all Disaster Recovery Centers to provide one-on-one assistance to homeowners, renters and businesses of all sizes.  Information is also available on the FEMA App.

Lake County

Habematolel Pomo of Upper Lake

Tribal Community Center

9460 Main Street

Upper Lake, CA 95485

Open: 9 a.m. to 7 p.m. Monday-Sunday


Shasta County

Former Kmart

2685 Hilltop Drive.

Redding, CA 96002

Open: 9 a.m. to 7 p.m. Monday-Sunday

  • Many survivors who register with FEMA are referred to SBA. If you pass the SBA Income Test, you must complete and return the loan application to ensure the federal disaster recovery process continues and keeps your options open.
  • Homeowners and renters who submit an SBA disaster loan application and are not approved for a loan may be considered for certain other FEMA grants including assistance for disaster-related car repairs, clothing, household items and other expenses.
  • Just because you qualify you under no obligation to accept it.
  • You can submit your SBA disaster loan application in one of three ways: online at; at any Disaster Recovery Center (DRC); or by mail.
  • Keep in touch with your insurance company. Do not wait on a settlement before submitting an SBA disaster loan application. SBA may be able to finalize the loan and get money to you before your insurance settles. The loan balance will then be reduced by the insurance settlement if you receive one. SBA disaster assistance may be available for losses not covered by insurance or other sources.
  • Homeowners may be eligible for SBA home disaster loans up to $200,000 for primary residence structural repairs or rebuilding.
  • SBA may be able to help homeowners and renters with up to $40,000 to replace important personal items, including automobiles damaged or destroyed in the disaster.
  • SBA can help businesses and private nonprofit organizations with up to $2 million to repair or replace disaster-damaged real estate and other business assets. Eligible small businesses and nonprofits can apply for economic injury disaster loans to help meet working capital needs caused by the disaster. The deadline for applying for an economic injury disaster loan is May 6, 2019.
  • Applicants may be eligible for a loan amount increase up to 20 percent of their physical damage, as verified by SBA, for mitigation purposes.  Eligible mitigation improvements may include a safe room or storm shelter to help protect property and occupants from future damage caused by a similar disaster. 
  • SBA Business Recovery Center (BRC) help businesses get back on their feet from damage sustained during the wildfires. The BRC is a resource where businesses can meet face-to-face with SBA representatives. A BRC is open in Shasta County at: 


SBA Business Recovery Center

Superior California Economic Development Center

350 Hartnell Ave., Suite A

Redding, CA  96002

Open: 8 a.m. to 5 p.m. Monday-Friday


  • If you have not registered with FEMA:
    • You can apply online at, or by telephone at 800-621-3362 or (TTY) 800-462-7585. If you use 711-Relay or Video Relay Services, you should call 800-621-3362. Operators are multilingual and calls are answered from 7 a.m. to 10 p.m. local time seven days a week.
    • Or you can visit a DRC.
  • FEMA and Cal OES have been providing essential emergency support to affected communities since the Emergency Declaration on July 28, 2018. For more information, visit and and follow and Cal OES twitter


FEMA’s mission is helping people before, during and after a disaster.

Disaster recovery assistance is available without regard to race, color, religion, nationality, sex, age, disability, English proficiency or economic status. If you or someone you know has been discriminated against, call FEMA toll-free at 800-621-FEMA (3362). For TTY call 800-462-7585.

The U.S. Small Business Administration (SBA) is the federal government’s primary source of money for the long-term rebuilding of disaster-damaged private property. SBA helps businesses of all sizes, private non-profit organizations, homeowners and renters fund repairs or rebuilding efforts and cover the cost of replacing lost or disaster-damaged personal property. These disaster loans cover losses not fully compensated by insurance or other recoveries and do not duplicate benefits of other agencies or organizations. For more information, applicants may contact SBA’s Disaster Assistance Customer Service Center by calling 800-659-2955 (Deaf and hard-of-hearing individuals may call 800-877-8339), emailing, or visiting SBA’s Web site at

Last Updated: 
August 23, 2018 - 13:14