Also known as: SBA home loan, disaster home loan, SBA mitigation loan
Mitigation 20% in practice
If you qualify for a $40,000 SBA home disaster loan, you can request an additional $8,000 (20%) for a storm shelter — even if no shelter existed before. The interest rate matches the disaster loan rate, typically below market.
Authority: U.S. Small Business Administration. Last reviewed 2026-06-07.
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