Financial Assistance
FEMA disaster assistance, SBA loans, insurance help, and other financial resources for flood victims
Federal & State Programs AvailableApply for insurance first: You must file insurance claims before seeking federal assistance.
FEMA assistance is always free - anyone asking for fees is a scammer.
Federal Disaster Assistance
FEMA Individual Assistance APPROVED
Federal Emergency Management Agency
What's Covered:
- • Temporary housing assistance
- • Home repairs (not covered by insurance)
- • Personal property replacement
- • Medical, dental, and funeral expenses
- • Other serious disaster-related needs
Apply Now - Free Application
Online Application
DisasterAssistance.gov
Phone Application
24/7 multilingual support
SBA Disaster Loans
Low-interest disaster loans for homeowners and businesses
Loan Options:
- • Homeowners: Up to $500,000 at 2.75% interest
- • Personal Property: Up to $100,000
- • Business Property: Up to $2 million at 4% interest
- • Economic Injury: Up to $2 million for businesses
- • 12-month payment deferment available
Apply for SBA Loans
Must apply within 60 days of disaster declaration
Insurance and Legal Help
Insurance Claims Assistance
Get help navigating the insurance claim process
Important Steps:
- • Document all damage with photos/video
- • Contact your insurance company immediately
- • Keep all receipts for temporary expenses
- • Don't sign anything you don't understand
- • Get multiple estimates for repairs
Free Legal Aid
Legal assistance for disaster-related issues
Services Available:
- • Insurance claim disputes
- • Document replacement
- • Contract reviews
- • Landlord/tenant issues
- • Available in English, Spanish, Vietnamese
State Bar of Texas Legal Hotline
Call 1-800-504-7030Local Financial Resources
Kerr County Flood Relief Fund
Community Foundation of Texas Hill Country
Fund Details:
- • Grants to vetted nonprofits and local governments
- • Does NOT provide direct payments to individuals
- • Managed by local community leaders
- • 4-star Charity Navigator rating
- • Tax ID: 20-1974588
Contact Information:
Application Requirements
What You'll Need to Apply
Personal Information
- • Social Security number
- • Driver's license or state ID
- • Current contact information
- • Bank account information
Property Information
- • Property deed or lease
- • Insurance policies
- • Photos of damage
- • Repair estimates
Financial Information
- • Income documentation
- • Tax returns (if available)
- • Insurance claim information
- • Recent bank statements
Scam Warning: FEMA assistance is always free. Anyone asking for payment to apply for FEMA assistance is a scammer.
Report fraud to the National Disaster Fraud Hotline: 1-866-720-5721
Need help applying? Call FEMA at 1-800-621-3362 for assistance,
or visit a Disaster Recovery Center when one opens in the area.