Administrative Declaration of a Disaster for the State of California
Published Date: 2/6/2026
Notice
Summary
California’s Humboldt County and nearby areas got hit hard by storms and flooding from December 31, 2025, to January 5, 2026. The government declared a disaster, opening the door for low-interest loans to help homeowners, businesses, and nonprofits recover. You’ve got until April 6, 2026, to apply for physical damage loans and until November 3, 2026, for economic injury loans—so don’t wait!
Analyzed Economic Effects
3 provisions identified: 3 benefits, 0 costs, 0 mixed.
Low‑Interest Disaster Loans for Homeowners
If you own a home in Humboldt County (and the nearby affected areas listed), you can apply for an SBA physical disaster loan for storm and flood damage. Interest rates are 5.750% for homeowners with credit available elsewhere and 2.875% for homeowners without credit available elsewhere. You must apply by April 6, 2026 using the MySBA Loan Portal.
Physical Disaster Loans for Businesses and Nonprofits
If you run a business or a private nonprofit in Humboldt County or the listed contiguous counties, you can apply for SBA physical disaster loans for property damage from the December 31, 2025–January 5, 2026 incident. Interest rates are 8.000% for businesses with credit available elsewhere and 4.000% for businesses without; private non‑profits have rates listed at 3.625%. Apply by April 6, 2026 via the MySBA Loan Portal.
Economic Injury (EIDL) Loans for Affected Businesses
Businesses, small agricultural cooperatives, and private non‑profits in the affected counties may apply for Economic Injury Disaster Loans (EIDL) to cover working capital losses from the disaster. Interest rates include 4.000% for businesses and small agricultural cooperatives without credit available elsewhere and 3.625% for private non‑profits without credit available elsewhere. The EIDL application deadline is November 3, 2026 via the MySBA Loan Portal.
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