NY Storms Officially a Disaster: Loans Available Until 2027!
Published Date: 9/29/2026
Notice
Summary
New York got hit by big storms and flooding from July 28-29, 2026, and now the government says it’s an official disaster. People and businesses in certain counties can apply for low-interest loans to fix damage or cover lost income. You’ve got until November 23, 2026, for physical damage loans and June 24, 2027, for economic injury loans—so don’t wait!
Analyzed Economic Effects
4 provisions identified: 4 benefits, 0 costs, 0 mixed.
Homeowners in listed NY counties can get SBA disaster loans
If you live in one of the listed affected counties (Primary: Columbia, Rensselaer; Contiguous: Albany, Dutchess, Greene, Saratoga, Ulster, Washington in NY; Berkshire, MA; Bennington, VT), you may apply for SBA physical damage disaster loans. Physical loan applications must be submitted by November 23, 2026, and the rates shown for homeowners are 5.750% if you have credit available elsewhere and 2.875% if you do not.
Small businesses can apply for physical and EIDL loans
Small businesses and small agricultural cooperatives in the listed counties can apply for SBA physical damage loans and Economic Injury Disaster Loans (EIDL). Physical loan application deadline is November 23, 2026; EIDL deadline is June 24, 2027. Interest rates shown include 8.000% for businesses with credit available elsewhere and 4.000% for businesses without credit available elsewhere; EIDL for businesses/cooperatives without credit available elsewhere is 4.000%.
Private non-profit organizations eligible at 3.625% rate
Private non-profit organizations in the affected areas may apply for disaster loans, and the interest rate shown in the notice for private non-profit organizations is 3.625%. EIDL entries also list 3.625% for private non-profit organizations without credit available elsewhere.
How and where to apply for SBA disaster loans
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 use 7-1-1 for relay services if you are deaf, hard of hearing, or have a speech disability.
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Key Dates
Department and Agencies
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