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Welcome to the US Small Business Administration's guide for disaster assistance programs this guide is designed to provide an overview of SBA's assistance programs resources tips and regulations for immediate assistance please contact FEMA or SBA in your local community you can reach FEMA by phone at 1-866-229-3239 in the aftermath of a disaster such as a hurricane flood or tornado SBA plays an important role we assist businesses of all sizes private nonprofit organizations as well as homeowners and renters with recovery efforts our primary disaster assistance is in the form of direct loans disaster loans represent the only SBA program that is not limited to small businesses this is an important point because many people do not realize that SBA provides disaster loans to individual homeowners and renters in fact the majority of SBA's disaster loans are made to individuals who are not small business owners SBA and our network of professional business advisors also provide management and technical assistance to small businesses recovering from a disaster resources are available online in nearby SBA or partner offices community organizations and recovery centers this guide has four objectives explain SBA's role in disaster recovery define the types of disaster declarations and what they mean describe SBA's disaster assistance loan programs and explain how to apply for assistance and access other resources SBA has been assisting disaster survivors since 1953 since that time it has provided more than one point nine million disaster loans totaling over fifty three billion dollars again it's important to point out that most of SBA's disaster loans are also made to individual homeowners and renters and businesses of all sizes and not restricted solely to small business owners SBA's disaster loans are a critical source of economic stimulation in communities hit by a disaster spurring job retention and creation revitalizing business health and stabilizing tax bases we will also highlight additional economic tools towards the end of the guide there are four types of disaster declarations presidential declaration agency declaration governor certification and Secretary of Agriculture or Secretary of Commerce declaration for current declarations visit disaster loan dot SBA govt when the president declares a major disaster for individual assistance SBA's disaster assistance programs are automatically activated in all presidential declared disasters FEMA is the coordinating agency fema serves as the hub making sure supporting federal agencies are synchronized and focused on assisting a specific disaster relief situation as such in a presidential declaration which includes individual assistance all homeowners and renters must register with FEMA to begin the assistance process an individual should register with FEMA first even if the only assistance they qualify for is through the SBA a business owner on the other hand is also encouraged to register with FEMA but can apply directly to SBA for disaster assistance without registering for smaller disasters SBA's administrator may issue an SBA only declaration such declarations are based on the occurrence of at least a minimum amount of uninsured physical damage to