Cottonwood Fire Plus Floods: Utah Gets Disaster Loan Lifeline
Published Date: 9/14/2026
Notice
Summary
Utah’s Beaver County and nearby areas got hit hard by the Cottonwood Fire and flooding between June 22 and July 24, 2026. The government declared a disaster, opening the door for low-interest loans to help homeowners, businesses, and nonprofits recover. You’ve got until November 9, 2026, to apply for physical damage loans and until June 9, 2027, for economic injury loans—so don’t wait!
Analyzed Economic Effects
6 provisions identified: 6 benefits, 0 costs, 0 mixed.
Homeowner Disaster Loan Rates
If you are a homeowner in the declared disaster area, you can apply for SBA physical damage loans for losses from June 22, 2026 through July 24, 2026. The interest rate is 5.750% if you have credit available elsewhere and 2.875% if you do not; the physical loan application deadline is November 9, 2026.
Business Physical Damage Loans
If you own a business in the declared area, SBA physical damage loans are available for damage from June 22, 2026 through July 24, 2026. The interest rate is 8.000% if credit is available elsewhere and 4.000% if credit is not available elsewhere; the physical loan application deadline is November 9, 2026.
Economic Injury (EIDL) Loans Available
If your business or small agricultural cooperative in the declared area suffered economic injury from the incident, you may apply for EIDLs through June 9, 2027. The interest rate for businesses and small agricultural cooperatives without credit available elsewhere is 4.000%; for private non-profit organizations without credit available elsewhere the rate is 3.625%.
Private Nonprofit Loan Eligibility
Private nonprofit organizations in the declared area are eligible for both physical damage and economic injury loans at an interest rate of 3.625% (with or without credit available elsewhere as listed). Relevant application deadlines are November 9, 2026 for physical damage loans and June 9, 2027 for EIDLs.
Who and Where Is Covered
The declaration covers damage occurring June 22, 2026 through July 24, 2026 and applies to Primary County: Beaver (UT) and contiguous counties Garfield, Iron, Millard, Piute, Sevier (all in Utah) and Lincoln (Nevada). The states receiving an SBA administrative declaration are Utah and Nevada.
How to Apply and Contact Info
You can apply for disaster assistance online at the MySBA Loan Portal (https://lending.sba.gov) or at locally announced in-person locations. For help call the SBA disaster assistance customer service center at 1-800-659-2955, email [email protected], or use 7-1-1 for relay services if deaf, hard of hearing, or speech-disabled.
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