Administrative Declaration of a Disaster for the State of California
Published Date: 2/6/2026
Notice
Summary
California got hit by a big storm in late December 2025, and now the government is stepping in to help! If you live or run a business in certain counties, you can apply for disaster loans to fix damage or cover lost income. Act fast—physical damage loans are open until April 6, 2026, and economic injury loans until November 3, 2026.
Analyzed Economic Effects
5 provisions identified: 4 benefits, 1 costs, 0 mixed.
SBA Disaster Loans Available
If you live, work, or run a business in the listed affected counties you can apply for SBA disaster loans because of the 2025 late December storm. The declaration names Primary Counties: San Bernardino and Shasta, and Contiguous Counties in California (Inyo, Kern, Lassen, Los Angeles, Modoc, Orange, Plumas, Riverside, Siskiyou, Tehama, Trinity), Arizona (La Paz, Mohave), and Nevada (Clark).
Physical Damage Loan Deadline
If you need a physical damage loan for storm-related property damage, you must apply by April 6, 2026. The disaster incident period is December 16, 2025 through December 26, 2025, and physical damage loans relate to damage during that period.
Economic Injury (EIDL) Deadline
If your business suffered economic injury (lost income) from the storm, you can apply for SBA Economic Injury Disaster Loans (EIDL) through November 3, 2026.
Loan Interest Rates Specified
The notice lists interest rates for disaster loans: Physical Damage — Homeowners with credit available elsewhere 5.750%, homeowners without credit available elsewhere 2.875%; Businesses with credit available elsewhere 8.000%, without credit available elsewhere 4.000%; Private non-profits with/without credit available elsewhere 3.625%. For Economic Injury — businesses and small agricultural cooperatives without credit available elsewhere 4.000%, private non-profits without credit available elsewhere 3.625%.
How To Apply and Contact Info
You can apply online at the MySBA Loan Portal (https://lending.sba.gov) or in person at locally announced locations. For help, contact the SBA disaster assistance customer service center at 1-800-659-2955, email [email protected], or dial 7-1-1 for telecommunications relay services.
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Key Dates
Department and Agencies
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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!
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