The federal government has already provided $9.7 million in aid for the October floods

The federal government has already paid more than $9.7 million to people who suffered losses from widespread flooding in Jefferson and Shelby counties on October 6 and 7 of last year, including Hoover, according to the Federal Emergency Management Agency. .

On December 21, President Biden issued a federal disaster declaration for both counties, making federal assistance available.

Assistance can include grants for temporary housing and home repairs, low-cost loans to cover uninsured property losses, and other programs to help individuals and business owners recover from the effects of the catastrophe.

Federal funding is also available on a cost-share basis for statewide risk mitigation measures.

According to FEMA, as of Jan. 7, the National Flood Insurance Program has paid about $8.2 million to people who filed claims in Jefferson and Shelby counties.

In addition, 213 homeowners and renters had received $1.1 million in federal grants under FEMA’s Individuals and Households program, including approximately $1 million in housing assistance grants for home repairs, home replacement and/or rental assistance and approximately $90,000 in other grants to replace essentials. household items and for other critical disaster-related costs.

To apply for federal assistance through FEMA, residents of Jefferson and Shelby counties can apply online at or call 800-621-3362 from 6 a.m. to midnight, or by using the FEMA mobile app.

Applicants will need to provide:

  • A current phone number where they can be reached
  • Their address at the time of the disaster and the address where they are currently staying
  • His social security administration number
  • A general list of damages and losses
  • Banking information if they choose direct deposit
  • If insured, policy number or agent and/or company name

People who have home or renter’s insurance should also file a claim with their insurance company. FEMA cannot duplicate benefits for losses covered by insurance. Applicants will need to provide their insurance claim information to FEMA to determine their eligibility for federal assistance.

FEMA is also encouraging people to take photos to document the damage and begin cleanup and repairs to prevent further damage. People should keep receipts for all purchases related to cleaning and repairs.


In addition to FEMA assistance, as of Jan. 7, 10 residents had been approved for $420,400 in low-interest loans under the Small Business Administration’s Disaster Home Loan Program.

The Small Business Administration operates a Business Recovery Center at the Hoover Recreation Center at 600 Municipal Drive from 9 a.m. to 6 p.m. Monday through Friday.

This temporary office can help businesses of all sizes, nonprofits, and landlords and tenants with SBA applications.

Businesses and private non-profit organizations of any size can borrow up to $2 million to repair or replace real estate, machinery and equipment, inventory and other business assets damaged or destroyed by a disaster . Applicants may be eligible for an increase in the loan amount up to 20% of their physical damage, as verified by the SBA, for mitigation purposes.

Eligible mitigation upgrades may include a safe room or storm shelter, sump pump, elevation, retaining walls, and landscaping to help protect property and occupants from future damage from a storm. similar disaster.

For small businesses, small agricultural cooperatives, small businesses engaged in aquaculture, and most private nonprofit organizations, the SBA offers economic disaster loans to help meet working capital needs caused by disaster. Economic disaster loan assistance is available whether or not the business has suffered property damage.

Disaster loans of up to $200,000 are available to homeowners to repair or replace property damaged or destroyed by the disaster. Landlords and tenants can receive up to $40,000 to repair or replace personal property damaged or destroyed by a disaster.

Interest rates are as low as 2.855% for businesses, 2% for nonprofits, and 1.563% for homeowners and tenants, with terms up to 30 years. Loan amounts and terms are set by the SBA and are based on each applicant’s financial situation.

Applicants may apply online using the Electronic Loan Application (ELA) through the SBA’s secure website at, and must apply under SBA statement #17289, and no for the COVID-19 incident.

The deadline to apply for federal aid related to damages from the October 6-7 floods is February 21.

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