tornado recovery information

Low-interest disaster loans from the U.S. Small Business Administration (SBA) are available to businesses and residents in Kentucky following the announcement of a Presidential disaster declaration due to the severe storms, straight-line winds, flooding, and tornadoes on Dec. 10, 2021.

Businesses and private nonprofit organizations of any size may borrow up to $2 million to repair or replace disaster-damaged or destroyed real estate, machinery and equipment, inventory, and other business assets. Applicants may be eligible for a loan amount increase up to 20% of their physical damages, as verified by the SBA, for mitigation purposes. Eligible mitigation improvements may include a safe room or storm shelter, sump pump, elevation, retaining walls, and landscaping to help protect property and occupants from future damage caused by a similar disaster.

For small businesses, small agricultural cooperatives, small businesses engaged in aquaculture and most private nonprofit organizations, the SBA offers Economic Injury Disaster Loans to help meet working capital needs caused by the disaster. Economic Injury Disaster Loan assistance is available regardless of whether the business suffered any physical property damage.

Disaster loans up to $200,000 are available to homeowners to repair or replace disaster-damaged or destroyed real estate. Homeowners and renters are eligible for up to $40,000 to repair or replace disaster-damaged or destroyed personal property.

Interest rates are as low as 2.83% for businesses, 1.875% for nonprofit organizations and 1.438% for homeowners and renters, with terms up to 30 years. Loan amounts and terms are set by the SBA and are based on each applicant’s financial condition.

Applicants may apply online using the Electronic Loan Application (ELA) via SBA’s secure website at https://disasterloanassis tance.sba.gov/ela/s/, and should apply under SBA declaration # 17286, not for the COVID-19 incident.

To be considered for all forms of disaster assistance, applicants should register online at DisasterAssistance.gov or download the FEMA mobile app. If online or mobile access is unavailable, applicants should call the FEMA toll-free helpline at 800-621-3362. Those who use 711-Relay or Video Relay Services should call 800-621-3362.

Businesses and individuals may also obtain information and loan applications by calling the SBA’s Customer Service Center at 1-800-659-2955 (1-800-877-8339 for the deaf and hard-of-hearing) or emailing DisasterCustomerSe rvice@sba.gov. Loan applications can also be downloaded at sba.gov/disaster. Completed applications should be mailed to: U.S. Small Business Administration, Processing and Disbursement Center, 14925 Kingsport Road, Fort Worth, TX 76155.

The filing deadline to return applications for physical property damage is Feb.10, 2022. The deadline to return economic injury applications is Sept. 12, 2022.

FEMA Information

President Joseph Biden approved a major disaster declaration on Dec. 12. Residents in the designated counties can apply online at disasterassis tance.gov, by calling 800-621-3362, or by using the FEMA mobile app. If you use a relay service, such as video relay (VRS), captioned telephone or other service, give FEMA the number for that service.

When you apply, you will need to provide

  • A current phone number where you can be contacted.
  • Your address at the time of the disaster and the address where you are now staying.
  • Your Social Security Number.
  • A general list of damage and losses.
  • Banking information if you choose direct deposit.
  • If insured, the policy number or the agent and/or the company name.

FEMA’s Disaster Survivor Assistance (DSA) teams will be in the field providing survivors help with applications for assistance and information, although survivors do not need to wait for these teams to begin the application process.

These teams can help

  • Survivors apply for federal assistance.
  • Check the status of an application already in the system or make minor changes to applications.
  • Provide civil rights and disability integration assistance information to ensure equal access to FEMA programs.
  • If you have homeowners or renter’s insurance, you must also file a claim with your insurance company. FEMA cannot duplicate benefits for losses covered by insurance. You will need to provide your insurance claim information to FEMA to determine eligibility for federal assistance.
  • Take photos to document damage and begin cleanup and repairs to prevent further damage. Remember to keep receipts from all purchases related to the cleanup and repair.

Disaster assistance may include financial help with temporary lodging and home repairs, along with other programs to assist those recovering from the storms.

For more information about Kentucky tornado recovery, visit www.fema.gov/disaster/4630. Follow the FEMA Region 4 Twitter account at https://twit ter.com/femaregion4.

Need Shower or Laundry Service?

Wal Mart in Princeton has a laundry service available to storm victims. Laundry service drop-off is 8 am — Noon and Shower Trailer is available 8 am — 8 pm.

Community Christmas Dinner on Thursday, Dec. 23.

Katie’s Cabin Kitchen

Join us at Katie’s Cabin Kitchen, Thursday, December 23rd, 4 pm for dinner, a little Christmas spirit with Santa and all kids will leave with a present. Donations are being accepted at Katie’s Cabin Kitchen. For more information and to RSVP please call 270-388-6440.

Christmas for Kids from Lyon County

Don’t forget to sign the kids up for Christmas! Many are still without cell service or internet. If you know a friend who could benefit let us know and you can pick up and deliver to them.

Our deadline is the 18th. We need names of kids. Let us help LYON CALDWELL AND HOPKINS CO KIDS 17 and under. Thousands have been raised. Each kid will get around $200 worth of gifts for their age group and gender. Let us help

CHRISTMAS FOR THE KIDS IS STILL ON! Many families lost gifts for their kids during this tornado. We will help with that on December 23rd!

Here is how it works

  • More than $30,000 has been given thus far, with more to come, to provide Christmas for kids impacted by the tornado in Lyon, Caldwell and Hopkins counties. Macedonia Baptist Church has joined forces with Faith Baptist Church of Bowman, Georgia, to provide Christmas gifts. If you live in Lyon, Caldwell, or Hopkins Counties and have been affected by the tornado and would like to receive Christmas gifts for your child, please call Lyon County Finance Officer Krista Grigg at 270-625-6672 or email krista
  • grigg@gmail.com to have your family’s name added to the list. Christmas gifts will be available for those who are 17 & under and will be available for pickup or delivery on December 23rd. We have enough money to provide gifts for up to 250 children.

When you call Krista, you will need to provide the following information:

  • Name
  • Place of residence at this time
  • Telephone number
  • Name, age, gender of children
  • Whether you will be able to pick up or need gifts delivered.