During the decade since Katrina’s storm surge flooded 80 percent of New Orleans and destroyed homes and businesses along a hundred miles of Gulf of Mexico beaches in Mississippi and Alabama, a string of disasters—natural and manmade—have revisited the region. Starting later in 2005 with Hurricane Rita and including the BP Oil spill, the disasters have hurt small and big businesses alike. Small and local businesses are less likely to survive such a disaster, however. But when it comes to resilience after a disaster—having the most positive impact, quickest—small and local businesses lead the way. As part of the tenth anniversary of Katrina, we are exploring the topic of small businesses and disasters.
Preparing for every possible disaster that can impact a small business is probably impossible. However, there are hundreds of government agencies at the federal, state and local level that provide information that can assist you in thinking through the types of disasters that may be most common in your region or industry. In addition to the links to the federal and state (and U.S. territories) agencies listed below, there are countless local and non-profit organizations (or, “non-government organizations,” NGO). We will be adding a list of additional non-government agencies and organizations during the next two days.
(If you discover a broken link on the list below, or know of another federal or state resource, please email us at: Tips@SmallBusiness.com.)
Small Business Administration disaster preparation and assistance resources
The SBA provides a wide range of services and loan programs for disaster planning and post-disaster assistance efforts. It’s important to understand that the term “disaster assistance” is a technical term with a specific legal meaning when it comes to assistance from the federal government. It refers to the money provided to individuals, families and businesses in an area whose property has been damaged or destroyed following a Presidential-declared disaster; and whose losses are not covered by insurance. Loans may be available to businesses that have suffered an economic loss as a result of the disaster. Assistance is available from the Federal Emergency Management Agency (FEMA), the SBA, the Farm Services Agency (FSA) and state governments.
Disaster and Economic Injury Loans
The SBA and USDA provide low interest loans to businesses and individuals to repair or replace real estate, personal property, machinery and equipment, inventory and business assets that have been damaged or destroyed in a declared disaster.
- Home and Property Disaster Loans
Renters and homeowners alike may borrow up to $40,000 to repair or replace clothing, furniture, cars, appliances, etc. damaged or destroyed in the disaster. Homeowners may apply for up to $200,000 to repair or replace their primary residence to its pre-disaster condition.
- Disaster Assistance Loans
SBA provides low interest disaster loans to homeowners, renters, businesses of all sizes and private, nonprofit organizations to repair or replace real estate, personal property, machinery & equipment, inventory and business assets that have been damaged or destroyed in a declared disaster.
- Economic Injury Loans
If your small business or private, nonprofit organization has suffered economic injury, regardless of physical damage, and is located in a declared disaster area, you may be eligible for financial assistance from the U.S. Small Business Administration.
- Military Reservist Economic Injury Disaster Loans
Provides funds to eligible small businesses to meet their ordinary and necessary operating expenses that they were unable to meet due to an essential employee being “called-up” to active duty in their role as a military reservist.
- Farm Emergency Loans
Offers emergency loans to help producers recover from production and physical losses due to drought, flooding, other natural disasters, or quarantine.
The Farm Service Agency also provides a disaster assistance guide for farmers and ranchers for natural disaster losses resulting from drought, flood, fire, freeze, tornadoes, and pest infestation.
- Disaster Unemployment Assistance
Supplies information on financial assistance for self-employed individuals who have lost their jobs due to federally declared disasters.
- Midwest Flood Recovery Assistance
Covers National Emergency Grants for temporarily employing displaced workers.
Tax Relief Assistance
- Federal Tax Relief for Individuals and Businesses
Lists tips and resources to help individuals and business located in federally declared disaster areas.
- Disaster Losses Kit for Businesses
Provides tax information for claiming unreimbursed casualty losses on property that was destroyed by a natural disaster.
Other federal agencies with disaster preparation and assistance resources
- Federal Emergency Management Agency
- HUD Disaster Recovery Assistance
- National Earthquake Information Center
- National Hurricane Center
- National Oceanic and Atmospheric Administration
- National Weather Service
- IRS Disaster Assistance and Emergency Relief for Individuals and Businesses
- Farm Service Agency Disaster Assistance Programs
- IRS Disaster Assistance and Emergency Relief for Individuals and Businesses
U.S. State & Territory Disaster and Emergency Agencies
- Alabama Emergency Management Agency
- Alaska Division of Emergency Services
- American Samoa Department of Homeland Security
- Arizona Division of Emergency Management
- Arkansas Department of Emergency Management
- California Office of Emergency Services
- Colorado Division of Emergency Management
- Connecticut Department of Emergency Management and Homeland Security
- Government of the Commonwealth of Northern Mariana Islands
- Delaware Emergency Management Agency
- District of Columbia Homeland Security and Emergency Management Agency
- National Government of the Federated States of Micronesia
- Florida Division of Emergency Management
- Georgia Emergency Management Agency
- Guam Homeland Security Office of Civil Defense
- Hawaii State Civil Defense
- Idaho Bureau of Disaster Services
- Illinois Emergency Management Agency
- Indiana Department of Homeland Security
- Iowa Homeland Security and Emergency Management Division
- Kansas Division of Emergency Management
- Kentucky Division of Emergency Management
- Louisiana Governor’s Office of Homeland Security and Emergency Preparedness
- Maine Emergency Management Agency
- Maryland Emergency Management Agency
- Massachusetts Emergency Management Agency
- Michigan Emergency Management and Homeland Security
- Minnesota Homeland Security and Emergency Management
- Mississippi Emergency Management Agency
- Missouri State Emergency Management Agency
- Montana Disaster and Emergency Services
- Nebraska Emergency Management Agency
- Nevada Division of Emergency Management
- New Hampshire Homeland Security and Emergency Management
- New Jersey Office of Emergency Management
- New Mexico Department of Homeland Security and Emergency Management
- New York State Emergency Management Office
- North Carolina Emergency Management Division
- North Dakota Department of Emergency Services
- Ohio Emergency Management Agency
- Oklahoma Department of Emergency Management
- Oregon Emergency Management
- Pennsylvania Emergency Management Agency
- Puerto Rico Emergency Management Agency
- Republic of the Marshall Islands
- Rhode Island Emergency Management Agency
- South Carolina Emergency Management Division
- South Dakota Office of Emergency Management
- Tennessee Emergency Management Agency
- Texas Governor’s Division of Emergency Management
- Utah Division of Homeland Security
- Vermont Emergency Management
- Virgin Islands Territorial Emergency Management Agency
- Virginia Department of Emergency Management
- Washington State Emergency Management Division
- West Virginia Division of Homeland Security and Emergency Management
- Wisconsin Emergency Management
- Wyoming Office of Homeland Security
In the days after Katrina, the 350 helicopters and more than 70 fixed wing aircraft were provided by all branches of the U.S. military for search and rescue efforts and disaster relief. (Photo, PO2 NyxoLyno Cangemi, US Coast Guard.)