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--Applications for Hawaii Severe Storms, Flooding, Landslides, and Mudslides 4909-DR-HI close June 14, 2026. Disasters with past dates may be open for late applications.-- The Federal Emergency Management Agency provides assistance and relief to victims who suffered damage and losses from federally declared disasters (storms, rains, high surf, flooding, land and mudslides). They also provide help with critical expenses, not to restore a property to its condition before a disaster, mostly in the form of loans administered by the Small Business Administration (SBA) to home renters, homeowners, and businesses. If you are calling to register the call takes about 30 minutes. Please have the following information available when you apply:

• A phone number and a reliable alternate in case FEMA needs to call you back;
• Address of the damaged property;
• Social Security number;
• Bank account information or direct deposit information including routing and account numbers;
• Insurance information (if you have insurance);
• Brief description of damages (if known);
• A mailing address;
• Pen and paper to write down your registration number.

For an American Sign Language video on how to apply view https://www.youtube.com/watch?v=LU7wzRjByhI&list=PL720Kw_OojlKOhtKG7HM_0n_kEawus6FC&index=6 To find a Disaster Recovery Center and get help on your application, visit the website http://www.fema.gov/DRC Additional website: https://www.fema.gov --Applications for the Maui Wildfire in 2023 Closed December 11, 2023.--

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Provides low-interest loans to homeowners affected by a declared disaster.

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(Emergency Farmer Relief) The State of Hawaii Department of Agriculture and Biosecurity provides the Emergency Farmer Relief Program. Farmers, ranchers, and businesses who experienced damage or losses from the March 2026 Kona Low 1 or Kona Low 2 may receive a one-time grant of $1,500 to help with immediate needs resulting from the storm. Applications open on Tuesday, March 24, 2026. Applicants who complete and submit applications by Friday, March 27, 2026 will be prioritized funding. Awards will be announced in the week of March 30, 2026. To read the Frequently Asked Questions (FAQs) visit the website, https://dab.hawaii.gov/?page_id=13851&preview=true. Call or email with questions. For help completing the application call the Governor’s Office of Recovery and Resiliency at (808) 586-0034. Additional contacts include the Agricultural Loan Division's phone number (808) 973-9460 or email address, [email protected].

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(EIDL) Small Business Administration (SBA) low interest, long term loans may also be available to businesses to repair or replace disaster-damaged property, inventory, and supplies or meet their necessary financial obligations due to the wildfires that began on August 8, 2023. Disaster loans help restore businesses to pre-disaster conditions, and, in some cases, protect from future disasters. They cannot be used to expand or upgrade businesses and cannot exceed the verified uninsured disaster loss.

• If you sustained physical damage to your business of any size, you may be eligible for up to $2 million in Business Physical Disaster Loans for the repair or replacement of real estate, inventories, machinery, equipment, vehicles and all other physical losses.

The SBA offers up to $2 million to businesses and private non-profits (charities, churches, private universities, etc.) for both physical and economic injury to businesses to help them recover from the wildfires. The interest rate is as low as 4% for businesses, 2.375% for private non-profits and and 2.5% for homeowners and renters with terms up to 30 years. Applicants now need to provide a written justification for physical disaster loans.

• Small businesses, small agricultural businesses, and nonprofits that have not experienced physical damage but have sustained significant economic losses as a result of the fires in the declared county and in neighboring Kalawao County, may be eligible for up to $2 million in Economic Injury Disaster Loans (EIDL) to meet necessary financial obligations.

The deadline to apply for EIDL is Saturday, November 9, 2024, with no explanation for a late application required. For Maui wildfire specific information and to download applications, visit https://www.sba.gov/hawaii-wildfires. Interest does not begin to accrue until 12 months from the date of the first disaster loan disbursement. SBA disaster loan repayment begins 18 months from the date of the first disbursement. For people who are deaf, hard of hearing, or have a speech disability, please dial 7-1-1 to access telecommunications relay services. Completed applications should be mailed to US Small Business Administration, Processing and Disbursement Center, 14925 Kingsport Road, Fort Worth, TX 76155.

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(EIDL) Small Business Administration (SBA) low interest, long term loans may also be available to businesses to repair or replace disaster-damaged property, inventory, and supplies or meet their necessary financial obligations due to the wildfires that began on August 8, 2023. Disaster loans help restore businesses to pre-disaster conditions, and, in some cases, protect from future disasters. They cannot be used to expand or upgrade businesses and cannot exceed the verified uninsured disaster loss.

• If you sustained physical damage to your business of any size, you may be eligible for up to $2 million in Business Physical Disaster Loans for the repair or replacement of real estate, inventories, machinery, equipment, vehicles and all other physical losses.

The SBA offers up to $2 million to businesses and private non-profits (charities, churches, private universities, etc.) for both physical and economic injury to businesses to help them recover from the wildfires. The interest rate is as low as 4% for businesses, 2.375% for private non-profits and and 2.5% for homeowners and renters with terms up to 30 years. Applicants now need to provide a written justification for physical disaster loans.

• Small businesses, small agricultural businesses, and nonprofits that have not experienced physical damage but have sustained significant economic losses as a result of the fires in the declared county and in neighboring Kalawao County, may be eligible for up to $2 million in Economic Injury Disaster Loans (EIDL) to meet necessary financial obligations.

The deadline to apply for EIDL is Saturday, November 9, 2024, with no explanation for a late application required. For Maui wildfire specific information and to download applications, visit https://www.sba.gov/hawaii-wildfires. Interest does not begin to accrue until 12 months from the date of the first disaster loan disbursement. SBA disaster loan repayment begins 18 months from the date of the first disbursement. For people who are deaf, hard of hearing, or have a speech disability, please dial 7-1-1 to access telecommunications relay services. Completed applications should be mailed to US Small Business Administration, Processing and Disbursement Center, 14925 Kingsport Road, Fort Worth, TX 76155.

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(EIDL) Small Business Administration (SBA) low interest, long term loans may also be available to businesses to repair or replace disaster-damaged property, inventory, and supplies or meet their necessary financial obligations due to the wildfires that began on August 8, 2023. Disaster loans help restore businesses to pre-disaster conditions, and, in some cases, protect from future disasters. They cannot be used to expand or upgrade businesses and cannot exceed the verified uninsured disaster loss.

• If you sustained physical damage to your business of any size, you may be eligible for up to $2 million in Business Physical Disaster Loans for the repair or replacement of real estate, inventories, machinery, equipment, vehicles and all other physical losses.

The SBA offers up to $2 million to businesses and private non-profits (charities, churches, private universities, etc.) for both physical and economic injury to businesses to help them recover from the wildfires. The interest rate is as low as 4% for businesses, 2.375% for private non-profits and and 2.5% for homeowners and renters with terms up to 30 years. Applicants now need to provide a written justification for physical disaster loans.

• Small businesses, small agricultural businesses, and nonprofits that have not experienced physical damage but have sustained significant economic losses as a result of the fires in the declared county and in neighboring Kalawao County, may be eligible for up to $2 million in Economic Injury Disaster Loans (EIDL) to meet necessary financial obligations.

The deadline to apply for EIDL is Saturday, November 9, 2024, with no explanation for a late application required. For Maui wildfire specific information and to download applications, visit https://www.sba.gov/hawaii-wildfires. Interest does not begin to accrue until 12 months from the date of the first disaster loan disbursement. SBA disaster loan repayment begins 18 months from the date of the first disbursement. For people who are deaf, hard of hearing, or have a speech disability, please dial 7-1-1 to access telecommunications relay services. Completed applications should be mailed to US Small Business Administration, Processing and Disbursement Center, 14925 Kingsport Road, Fort Worth, TX 76155.

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Home Disaster Loan The United States Small Business Administration can lend up to $500,000 to homeowners to make repairs to their primary residences. Loans up to $100,000 are available to help homeowners and renters replace their personal property, including cars. The interest rate is as low as 2.5% for homeowners and renters with terms up to 30 years. Loan amounts and terms are set by SBA and are based on each applicant’s financial condition. Disaster loans have a 12-month deferment with 0% interest from the date of their first disbursement with no accrual. Applicants who are not ready to rebuild may extend the date of their first disbursement by notifying their case manager. Applicants now need to provide a written justification for physical disaster loans. -The SBA disaster loan may be used to relocate. Contact an SBA representative for more information. People who apply for an SBA loan and are approved are under no obligation to accept a loan. If they do not qualify for an SBA loan, they can be referred to FEMA’s Other Needs Assistance (ONA) program for possible additional assistance. Disaster Assistance Loan The US Small Business Administration (SBA) offers loans to mitigate against disasters like flood, wildfire, wind or earthquake. Those affected by a disaster can rebuild stronger by increasing their SBA disaster assistance loan up to 20% of the verified physical damage to make mitigation improvements. Generally, borrowers have 2 years after loan approval to request an increase for higher rebuilding costs, code-required upgrades or mitigation. People who apply for an SBA loan and are approved are under no obligation to accept a loan. Projects to consider: Flood Mitigation

• seal your roof deck
• landscape your property to improve water runoff and drainage
• elevate structures
• relocate your home or business outside the flood plain
• add a sump pump
• convert your lowest floor to flexible space less likely to be damaged in a flood

Wildfire Mitigation

• install a Class A fire-rated roof
• install ⅛-inch mesh screening over all vents to keep embers out of eaves and vents
• install noncombustible gutters, fences and gates
• remove roof and gutter debris that can be ignited by airborne embers
• replace single-pane windows with dual- or multi-pane tempered glass windows

Wind Mitigation

• strengthen structures to protect against high wind damage
• brace or upgrade to wind-rated garage doors
• upgrade to pressure-rated windows
• install hurricane roof straps
• install a safe room or storm shelter built to FEMA guidelines

Earthquake Mitigation

• strengthen and retrofit masonry buildings and concrete facilities that are vulnerable to ground shaking
• install window film to prevent shattered glass injuries
• anchor rooftop-mounted equipment

Is There Help Available for Refinancing? -SBA can refinance all or part of prior mortgages that are evidenced by a recorded lien, when the applicant (1) does not have credit available elsewhere, (2) has suffered substantial uncompensated disaster damage (40 percent or more of the value of the property or 50% or more of the value of the structure), and (3) intends to repair the damage. -Homes – Homeowners may be eligible for the refinancing of existing liens or mortgages on homes, up to the amount of the loan for real estate repair or replacement. Are There Insurance Requirements for Loans? To protect each borrower and the Agency, SBA may require you to obtain and maintain appropriate insurance. By law, borrowers whose damaged or collateral property is located in a special flood hazard area must purchase and maintain flood insurance. SBA requires that flood insurance coverage be the lesser of 1) the total of the disaster loan, 2) the insurable value of the property, or 3) the maximum insurance available. For Maui wildfire specific information and to download applications, visit https://www.sba.gov/hawaii-wildfires. Additional email address: [email protected] Applicants can contact the customer service number at (800) 659-2955 or go to the disaster recovery centers for assistance with disaster loan closings, the application process, reconsiderations, and the status of their applications. Those that have been declined for a disaster loan may submit a reconsideration request by following the instructions on the decline letter. For people who are deaf, hard of hearing, or have a speech disability, please dial 7-1-1 to access telecommunications relay services. Applicants may apply online, receive additional disaster assistance information and download applications at https://disasterloanassistance.sba.gov/ela. Completed applications should be mailed to US Small Business Administration, Processing and Disbursement Center, 14925 Kingsport Road, Fort Worth, TX 76155.

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--US SBA Home Disaster Loan applications are due Monday, June 15, 2026-- The US Small Business Administration (US SBA) provides a Home Disaster Loan to homeowners and renters to repair or replace disaster-damaged real estate and personal property including automobiles. Loans are low fixed-rate, below-market interest rates with terms up to 30 years, no payment and no interest for 12 months post-disbursement; fixed loan payments; no prepayment penalty; up to $500,000 to cover damages to primary residences; up to $100,000 to replace personal property, including vehicles; funds available to build back better and protect against future disasters (mitigation); no need to wait for insurance to settle before applying; no obligation to take a loan if you are approved; no collateral required for loans up to $50,000; you may be eligible for refinancing or relocation; loan modification available. Disaster preparation and mitigation efforts are key to saving lives and property. After a disaster has been declared, a SBA disaster assistance loan can be used to make property improvements that eliminate future damage or can save lives. Disaster loans can be increased by up to 20% to make building updates. Consider some of these examples of mitigation projects: -Flood: Landscape your property to improve water runoff and drainage; elevate structures or convert your lowest floor into a “flexible space” where items can be easily moved; add a sump pump to move standing water; seal your roof’s decking -Wind: Strengthen structures to protect against high wind damage; brace and upgrade to wind-rated garage doors; install hurricane roof straps; install a safe room or storm shelter built to FEMA guidelines -Wildfire: Install a Class A fire-rated roof; install 1/8-inch mesh screening over all vents to keep embers out of eaves and vents; install noncombustible gutters, fences, and gates; remove roof and gutter debris that can be ignited by airborne embers Additional websites: https://www.sba.gov/funding-programs/disaster-assistance https://lending.sba.gov/search-disaster/?disaster=HI-20010 https://lending.sba.gov/ Locations: For all US SBA programs, the US SBA has a representative Monday-Sunday 10:00 am - 7:00 pm at the Waialua Recovery Center, Old Waialua Courthouse, 66 207 Kamehameha Highway, Haleiwa, HI 96712. Call (808) 460-8698 or visit the website, https://www.kakoomai.org/waialua . For business-specific disaster loan programs, the location is the Hawaii Small Business Development Center - Oahu, 677 Ala Moana Boulevard, 612, Honolulu, HI. Call (808) 945-1430, email [email protected], or visit the website https://hisbdc.org . Hawaii County, Business Recovery Center, Hawaii County Office of Aging, 1055 Kinoole Street, 101, Conference Room, Hilo, HI 96720. Open Monday-Friday 8:00 am - 4:00 pm .Walk-ins are welcome but in-person appointments can be scheduled in advance at https://appointment.sba.gov. For more information, visit the website, https://www.sba.gov/article/2026/04/15/sba-will-open-business-recovery-center-hilo.

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