Kentucky Storm Victims Get Federal Disaster Loans After Summer Flooding
Published Date: 10/29/2026
Notice
Summary
Kentucky got hit hard by storms, tornadoes, and flooding from June 18-27, 2026, and now the government is stepping in with disaster loans to help homeowners, businesses, and nonprofits recover. If you live in the affected counties, you can apply for physical damage loans until December 28, 2026, and economic injury loans until July 26, 2027. Interest rates are friendly, especially if you don’t have other credit options, so don’t miss out on this financial lifeline!
Analyzed Economic Effects
5 provisions identified: 5 benefits, 0 costs, 0 mixed.
Physical Disaster Loans Available for Repairs
If you are a homeowner, business, or private nonprofit in the declared Kentucky areas affected by the June 18–27, 2026 storms, you can apply for SBA physical damage disaster loans. The physical loan application deadline is December 28, 2026.
Economic Injury (EIDL) Loans for Small Businesses
Small businesses and small agricultural cooperatives in the declared areas can apply for Economic Injury Disaster Loans (EIDL). The EIDL application deadline is July 26, 2027.
Specified Interest Rates for Disaster Loans
The notice lists fixed interest rates: Physical loans — Homeowners with credit available elsewhere 5.750% and without 2.875%; Businesses with credit available elsewhere 8.000% and without 4.000%; Private non-profits 3.625% (both with and without credit elsewhere). Economic injury loans — Businesses and small agricultural cooperatives without credit available elsewhere 4.000%; Private non-profits without credit available elsewhere 3.625%.
Who Is Eligible by County
The SBA declaration names primary eligible Kentucky counties: Bullitt, Cumberland, and Madison. Contiguous eligible counties include Adair, Clark, Clinton, Estill, Fayette, Garrard, Hardin, Jackson, Jefferson, Jessamine, Metcalfe, Monroe, Nelson, Rockcastle, Russell, and Spencer in Kentucky, plus Clay in Tennessee.
How to Apply and Contact SBA
You can apply for disaster assistance 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, by email at [email protected], or dial 7-1-1 for telecommunications relay services.
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