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Flood Resources for Individuals and Small Business Owners

From the office of Houston City Council District C Representative
Ellen Cohen

U.S. Small Business Administration Information 


As a result of the Presidential Disaster Declaration, Small Business Administration (SBA) low-interest federal disaster loans are available to Texas businesses and residents impacted by the severe storms, tornadoes, straight-line winds and flooding that began on May 4, 2015. 


The declaration covers the following counties.  Bastrop, Blanco, Caldwell, Denton, Eastland, Fort Bend, Gaines, Guadalupe, Harris, Hays, Henderson, Hidalgo, Johnson, Milam, Montague, Navarro, Rusk, Smith, Travis, Van Zandt, Wichita, Williamson & Wise.


For businesses:

Businesses of all sizes and private nonprofit organizations may borrow up to $2 million to repair or replace damaged or destroyed real estate, machinery, equipment, inventory, and other business assets. 

Small businesses, small businesses engaged in aquaculture and most private, non-profit organizations of any size may borrow to help meet working capital needs caused by the disaster, regardless of whether the business suffered any property damage. The maximum business disaster loan is $2 million for any combination of property damage and working capital.


For residents:

Homeowners may borrow up to $200,000 to repair or replace their disaster-damaged primary residence. Further, homeowners and renters may borrow up to $40,000 to replace disaster-damaged personal property, including vehicles. Interest rates may be as low as 4% for businesses, 2.625% private non-profit organizations and 1.688% for homeowners and renters.

Terms may be up to 30 years, SBA determines loan amounts and terms based on each applicant's financial condition. SBA can also lend additional funds to businesses and homeowners to help with the cost of improvements to protect, prevent or minimize the same type of disaster damage from occurring in the future.


Three ways to apply


1. Apply online using SBA's secure Web site at

2. Apply in person at any Disaster Recovery Center or Business Recovery Center

3. Apply by mailing your application to SBA at 14925 Kingsport Rd., Ft. Worth, TX 76155-2243


SBA disaster representatives are at the following locations in Houston to meet individually with business owners and residents to explain how an SBA low-interest disaster loan can help pay for their disaster losses, answer questions, and help each individual complete their application online.

Spring Woods Middle School

Entrance in back of school at 9600 block of Hammerly Blvd & Pine Village Dr

Houston, TX 77080

Hours:  Mondays - Sundays 8:00 am - 8:00 pm


Meyerland Community Improvement Association

4999 West Bellfort Street

Houston, TX 77035

Hours:  Mondays - Sundays 8:00 am - 8:00 pm


Call (800) 659-2955 for updates on locations.


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