NORTH SOUND, MARCH 4: For weeks, Snohomish County has been working to record issues from the December floods and has been focused on helping the community document damage

Flood disaster counties during December 2025 flooding. Courtesy of Washington State Emergency Management.

while working with partners to identify resources that may help speed up recovery of loss due to damage.

If you have storm damage not covered by insurance, you can now meet in-person with a Snohomish County representative of the U.S. Small Business Administration Office (SBA) Department of Disaster Recovery and Resilience to explore applying for a low-interest loan. The SBA has partnered with Sno-Isle Libraries to set up an office in the Big Study Room at the Snohomish Library located at 311 Maple Avenue.

The outreach center will be open 10 a.m. Monday through Thursday to 6 p.m. Starting on March 7th, hours will also include 1 p.m. to 5 p.m. on Saturdays.

SBA loans may offer many in the community an option to recover from flood damage more fully, after Snohomish County and partners worked to make a strong case for Federal Emergency Management Agency (FEMA) disaster relief. Interest will not accrue and the first payment is not due until 12 months after the first disbursement of funds. Proceeds from insurance coverage on the home or property may be deducted from the eligible loan amount.

Applying for an SBA loan now would not impact future eligibility for FEMA funding, should that become available.

The County and the SBA are now working with Sno-Isle Regional Libraries to set up another Disaster Loan Outreach Center in Snohomish, the area where flood damage was most concentrated, according to Lucia Schmit, the County’s Emergency Management director.

There were 185 county residents and businesses that have reported an estimated $5.5 million in damage to homes and other private property according to an online study conducted by the SBA in cooperation with FEMA and the Washington State Emergency Management Division.

Part of the study showed that most Snohomish County residents who sustained flood damage aren’t eligible for the limited support available through the state’s Individual Assistance program. SBA loans are likely to be a more accessible option for the most impacted residents.

Disaster loans up to $500,000 can be made available to homeowners. Homeowners and renters are eligible for up to $100,000 to repair or replace damaged or destroyed personal property, including personal vehicles as well; and businesses may also be eligible for up to $2 million for both physical and economic losses due to storm damage. Business owners are welcome to come to the Disaster Loan Outreach Center for answers to their questions and assistance with their applications.

Residents, businesses, or private nonprofits with damages can also get additional disaster assistance information by applying directly online at SBA.gov/disaster.

For other questions or more information, reach out to [email protected].