Feds Unlock Disaster Relief After New York Apartment Building Fire
Published Date: 12/19/2025
Notice
Summary
A big fire at the Cottage Avenue Apartment Building in Westchester, New York, has been declared a disaster. This means homeowners, businesses, and nonprofits in Westchester and nearby counties can apply for low-interest disaster loans to help fix damage or recover lost income. You’ve got until February 17, 2026, to apply for physical damage loans and until September 16, 2026, for economic injury loans—so don’t wait!
Analyzed Economic Effects
6 provisions identified: 5 benefits, 0 costs, 1 mixed.
Disaster loans available for Cottage Ave fire
Because of the Cottage Avenue Apartment Building fire (incident date November 23, 2025; declaration date December 16, 2025), homeowners, businesses, and nonprofit organizations in Westchester County and the listed contiguous counties can apply for low-interest disaster loans to repair damage or recover lost income. The counties named include Bronx, Nassau, Orange, Putnam, Rockland (New York), Fairfield (Connecticut), and Bergen (New Jersey).
EIDL (economic injury) application deadline
If your business suffered economic injury from the incident, you may apply for Economic Injury Disaster Loans (EIDL) through September 16, 2026. The EIDL declaration covers Connecticut, New Jersey, and New York.
Physical damage loan interest rates listed
The notice lists interest rates for physical damage disaster loans: homeowners with credit available elsewhere 5.750%, homeowners without credit available elsewhere 2.875%, businesses with credit available elsewhere 8.000%, businesses without credit available elsewhere 4.000%, and nonprofit organizations (with or without credit available elsewhere) 3.625%.
EIDL interest rates for businesses and nonprofits
For Economic Injury Disaster Loans, the notice lists rates for entities without credit available elsewhere: businesses and small agricultural cooperatives 4.000% and nonprofit organizations 3.625%. The EIDL declaration covers Connecticut, New Jersey, and New York.
Physical damage loan application deadline
If you need a loan for physical damage from the November 23, 2025 incident, you must apply by February 17, 2026. The declaration that allows these loans was issued on December 16, 2025.
How to apply and SBA contact info
You can apply online using the MySBA Loan Portal at https://lending.sba.gov or at other locally announced locations. For help, the SBA disaster assistance customer service center can be reached at 1-800-659-2955 or by email at [email protected].
Personalized for You
How does this regulation affect your finances?
Personalize government policy and PRIA will tell you what this federal register document means for your household, plus every other regulation we track. PRIA reads each provision against your financial profile to show you exactly what matters to your wallet.
Key Dates
Department and Agencies
Related Federal Register Documents
2025-02741, HUBZone Program Updates and Clarifications, and Clarifications to Other Small Business Programs; Correction
The SBA fixed some small but important mistakes in its recent HUBZone and small business program rules to make things clearer and fairer. These corrections affect small businesses using HUBZone and other SBA programs, especially around size protests and financial reporting. The fixes take effect on February 18, 2025, helping businesses avoid confusion and unnecessary paperwork.
2026-20667, Presidential Declaration Amendment of a Major Disaster for the State of West Virginia
West Virginia’s disaster declaration for severe storms and flooding in July 2026 just got an upgrade! The deadline to apply for physical damage loans is now extended to October 17, 2026, giving folks more time to get help. Economic injury loan applications are open until May 3, 2027, so businesses have plenty of runway to recover and rebuild.
2026-20544, Presidential Declaration of a Major Disaster for the State of Ohio
Ohio got hit hard by storms, tornadoes, floods, and landslides from August 10-22, 2026, and the President declared it a major disaster on October 2. People and businesses in several counties can now apply for low-interest disaster loans to help fix damage or recover lost income. You’ve got until December 1, 2026, for physical damage loans and July 2, 2027, for economic injury loans—so don’t wait!
2026-20548, Administrative Disaster Declaration of a Rural Area for the State of Missouri
Missouri’s rural areas in Crawford and Reynolds counties got hit hard by storms, winds, and flooding in July 2026. The government declared a disaster, opening the door for low-interest loans to help homeowners, businesses, and nonprofits recover. You’ve got until December 1, 2026, to apply for physical damage loans and until July 6, 2027, for economic injury loans—so don’t wait!
2026-20399, Administrative Declaration of an Economic Injury Disaster for the State of Oregon
Oregon businesses hit by severe storms and wildfires from mid-July to late August 2026 can now apply for Economic Injury Disaster Loans to help recover. The SBA opened applications on October 1, 2026, with a deadline to apply by July 1, 2027. Low-interest loans are available for small businesses and nonprofits in affected counties across Oregon, Idaho, and Washington.
2026-20472, Administrative Declaration of a Disaster for the State of Connecticut
Connecticut got hit hard by storms and flash floods on September 13, 2026, and the government just declared it a disaster area. This means people and businesses in Fairfield and nearby counties can apply for low-interest disaster loans to help fix damage or cover lost income. You’ve got until December 1, 2026, to apply for physical damage loans and until July 2, 2027, for economic injury loans—so don’t wait!
Previous / Next Documents
Previous: 2025-23432, Agency Information Collection Activities: Proposed Collection: Public Comment Request; Information Collection Request Title: Ryan White HIV/AIDS Program: Allocations Report Forms, OMB No. 0915-0318-Revision
HRSA is updating the Ryan White HIV/AIDS Program’s report forms to make it easier for grant recipients to track and share how they use funds. This change affects organizations receiving Parts A, B, C, and D grants, who will use an improved online system to submit their info. Public comments are open until February 17, 2026, so now’s the time to weigh in before the new forms roll out!
Next: 2025-23434, Announcement of the Approval of COLA as an Accreditation Organization for the Specialties of Clinical Cytogenetics and Radiobioassay Under the Clinical Laboratory Improvement Amendments of 1988
Great news for clinical labs! Starting January 20, 2026, COLA is officially approved to check labs specializing in Clinical Cytogenetics and Radiobioassay, making sure they meet top-quality standards under federal rules. This approval lasts five years and means labs have a trusted new option for accreditation without extra costs or delays.