SBA Disaster Loans for Tennessee Severe Winter Storm, DR-4898
Yes, businesses in Tennessee may be able to get an SBA disaster loan for this disaster: FEMA major disaster declaration DR-4898 (Severe Winter Storm), declared February 6, 2026, approves FEMA Individual Assistance for 29 designated areas. When a major disaster declaration includes Individual Assistance, the SBA can offer disaster loans to businesses of all sizes and private nonprofits in those areas, and confirms the exact counties and deadlines on its own declaration.
DR-4898 at a glance
- Declaration
- DR-4898-TN
- Title
- Severe Winter Storm
- Incident type
- Winter Storm
- Declared
- February 6, 2026
- Incident period
- January 22, 2026 to January 27, 2026
- Designated areas
- 95
- FEMA programs
- Individual Assistance, Public Assistance
- FEMA IA registration
- FEMA lists June 10, 2026 as the last day to register for Individual Assistance. SBA loan deadlines are set separately by the SBA.
- FEMA data updated
- November 6, 2026
Economic Recovery Center is a private company. It is not a government agency and is not the U.S. Small Business Administration (SBA) or FEMA. You can apply for SBA disaster loans directly with the SBA at no cost.
95 designated areas in Tennessee
- IAIndividual Assistance: help for individuals and households
- PAPublic Assistance: help for state, local and tribal governments and certain nonprofits
- HMHazard Mitigation: funding to reduce future disaster risk
- Anderson CountyPA
- Bedford CountyPA
- Benton CountyIAPA
- Bledsoe CountyPA
- Blount CountyPA
- Bradley CountyPA
- Campbell CountyPA
- Cannon CountyPA
- Carroll CountyIAPA
- Carter CountyPA
- Cheatham CountyIAPA
- Chester CountyIAPA
- Claiborne CountyPA
- Clay CountyIAPA
- Cocke CountyPA
- Coffee CountyPA
- Crockett CountyPA
- Cumberland CountyPA
- Davidson CountyIAPA
- Decatur CountyIAPA
- DeKalb CountyPA
- Dickson CountyIAPA
- Dyer CountyIAPA
- Fayette CountyIAPA
- Fentress CountyPA
- Franklin CountyPA
- Gibson CountyPA
- Giles CountyPA
- Grainger CountyPA
- Greene CountyPA
- Grundy CountyPA
- Hamblen CountyPA
- Hamilton CountyPA
- Hancock CountyPA
- Hardeman CountyIAPA
- Hardin CountyIAPA
- Hawkins CountyPA
- Haywood CountyPA
- Henderson CountyIAPA
- Henry CountyPA
- Hickman CountyIAPA
- Houston CountyPA
- Humphreys CountyPA
- Jackson CountyPA
- Jefferson CountyPA
- Johnson CountyPA
- Knox CountyPA
- Lake CountyPA
- Lauderdale CountyPA
- Lawrence CountyPA
- Lewis CountyIAPA
- Lincoln CountyPA
- Loudon CountyPA
- Macon CountyIAPA
- Madison CountyIAPA
- Marion CountyPA
- Marshall CountyPA
- Maury CountyIAPA
- McMinn CountyPA
- McNairy CountyIAPA
- Meigs CountyPA
- Monroe CountyPA
- Montgomery CountyIAPA
- Moore CountyPA
- Morgan CountyPA
- Obion CountyPA
- Overton CountyPA
- Perry CountyIAPA
- Pickett CountyPA
- Polk CountyPA
- Putnam CountyPA
- Rhea CountyPA
- Roane CountyPA
- Robertson CountyIAPA
- Rutherford CountyIAPA
- Scott CountyPA
- Sequatchie CountyPA
- Sevier CountyPA
- Shelby CountyIAPA
- Smith CountyPA
- Stewart CountyPA
- Sullivan CountyPA
- Sumner CountyIAPA
- Tipton CountyPA
- Trousdale CountyIAPA
- Unicoi CountyPA
- Union CountyPA
- Van Buren CountyPA
- Warren CountyPA
- Washington CountyPA
- Wayne CountyIAPA
- Weakley CountyPA
- White CountyPA
- Williamson CountyIAPA
- Wilson CountyIAPA
Not sure about your county? Check your county with our free Disaster Zone Eligibility Check.
How SBA disaster loans work in declared areas
The U.S. Small Business Administration can make low-interest disaster loans in areas covered by a disaster declaration. Depending on the declaration, these can include physical damage loans to repair or replace property, and Economic Injury Disaster Loans (EIDL) that help cover operating expenses while a business recovers.
The SBA publishes which counties qualify and the deadline to apply for each disaster. Always check sba.gov/disaster and disasterloanassistance.sba.gov for the official declaration and dates. You can apply directly with the SBA at no cost.
Where Economic Recovery Center fits
We prepare compliant, submission-ready SBA disaster loan packages: the eligibility analysis, underwriting and documents the SBA asks for. You submit your own application with a complete file.
If your property was damaged, we connect you with licensed public adjusters who represent you, not the insurance company, on your claim.
See all active disaster declarations
Source: OpenFEMA Disaster Declarations Summaries. Official FEMA page: fema.gov/disaster/4898. FEMA last updated this data on November 6, 2026.
Hit by the Tennessee severe winter storm?
Talk with a specialist about your SBA disaster loan package and your insurance claim.