St. Albans homeowners, renters, businesses, and private nonprofits affected by the severe storms and flooding of August 14 through 18, 2026, can now apply for federal disaster assistance. The U.S. Small Business Administration (SBA) is offering low-interest disaster loans, and FEMA Individual Assistance is approved for Kanawha County residents.
Full details, eligibility, and application links are on the City’s Disaster Assistance page.
Application Deadlines
- Physical damage loans: December 7, 2026
- Economic injury loans: July 7, 2027
What Is Available
- Homeowners: up to $500,000 to repair or replace a primary home
- Homeowners and renters: up to $100,000 to replace personal property, including vehicles
- Businesses and private nonprofits: up to $2 million for physical damage and economic injury combined
Interest rates are as low as 3% for homeowners and renters, 4% for businesses, and 3.625% for nonprofits, with terms up to 30 years. No payments are due and no interest accrues for the first year. Applicants do not need to wait for insurance to settle before applying.
How to Apply
- SBA: apply online at lending.sba.gov, call 1-800-659-2955, or email [email protected]
- FEMA: apply at DisasterAssistance.gov, through the FEMA mobile app, or by calling 800-621-3362
- People who are deaf, hard of hearing, or have a speech disability can dial 7-1-1
SBA and FEMA are separate programs that work together. Residents can apply for both.
View the Disaster Assistance page and download the SBA fact sheets
