Texas Bill Creates Disaster Help Grants and Loans

Texas HB 66 is a new law that creates a disaster relief and prevention program. The program will give matching grants and loans to help our communities recover from disasters and build protections against future ones. The program offers two types of help. First, matching grants go to cities, counties, and businesses in disaster areas. These grants help pay for recovery work and building infrastructure like barriers or stronger buildings that prevent future damage. Second, loans are available to the same groups, plus homeowners. Homeowners can borrow money to repair or rebuild homes damaged by disasters and to add improvements that protect against future storms and floods. To apply, individuals and businesses must be located in an area the governor has declared a disaster zone. They must also be eligible for help from the Federal Emergency Management Agency or Small Business Administration. The application process requires proof of the disaster, a detailed description of the repair or building project, cost estimates, and evidence that the applicant qualifies for federal disaster assistance. For matching grants, applicants must show they can provide their share of the money. The program is managed by a state division that will establish rules and handle applications. This creates a way for Texans to access additional support beyond federal programs. Communities can strengthen themselves against future disasters while recovering from current ones.