FEMA may be able to help with temporary housing expenses, basic home repairs or other essential disaster-related needs that are not covered by insurance. FEMA partners with other agencies that can help disaster survivors continue their recovery after a disaster, such as the U.S. Small Business Administration (SBA).
You may have been referred to the SBA after applying for FEMA disaster assistance. The SBA is the largest source of federal disaster recovery funding for rebuilding, replacement or repair of disaster-damaged homes.
The SBA offers low-interest disaster loans to homeowners and renters in a declared major disaster area. You don’t need to own a business to apply for SBA assistance.
If you still have unmet needs, loans may help with home repair or replacement, personal property, vehicles, mitigation, business losses, and working capital for small business and most private nonprofits.
If you are approved for a loan, you do not have to accept it.
Any money you get from SBA must be repaid over time.
If you were affected by a disaster declared before March 22, 2024, and are referred to the SBA, you must complete an SBA disaster loan application to be eligible for Personal Property Assistance, Transportation Assistance and/or Group Flood Insurance Policy (GFIP).
For questions about the SBA disaster loan program, please call the SBA at 800-659-2955 (TTY: 800-877-8339). SBA information is also available at www.SBA.gov/disaster or by email at disastercustomerservice@sba.gov.
Survivors who have questions for FEMA or need information can always call the FEMA Helpline at 1-800-621-3362.