SBA Disaster Loans for Ohio Flood, DR-4945
Yes, businesses in Ohio may be able to get an SBA disaster loan for this disaster: FEMA major disaster declaration DR-4945 (Severe Storms, Straight-Line Winds, Tornadoes, Flooding, and Landslides), declared October 2, 2026, approves FEMA Individual Assistance for 7 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-4945 at a glance
- Declaration
- DR-4945-OH
- Title
- Severe Storms, Straight-Line Winds, Tornadoes, Flooding, and Landslides
- Incident type
- Flood
- Declared
- October 2, 2026
- Incident period
- August 10, 2026 to August 22, 2026
- Designated areas
- 7
- FEMA programs
- Individual Assistance
- FEMA IA registration
- FEMA lists December 1, 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.
7 designated areas in Ohio
- 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
- Clermont CountyIA
- Franklin CountyIA
- Hamilton CountyIA
- Licking CountyIA
- Morgan CountyIA
- Muskingum CountyIA
- Perry CountyIA
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/4945. FEMA last updated this data on November 6, 2026.
Hit by the Ohio flood?
Talk with a specialist about your SBA disaster loan package and your insurance claim.