Simple Checklist

Kerr County / Hill Country — 2026 flooding

You don’t have to do everything today. Reporting damage doesn’t cost anything and doesn’t obligate you to anything — it just gets you in line for help. Do these roughly in order, as you’re able.

Step 1 — Report it to the state (5–10 minutes, everyone)

• Go to damage.tdem.texas.gov
• Click the current flood event listed
• Fill out the short form (English or Spanish available)
• Add a few photos if you have them — not required, but helps

This is not insurance and doesn’t guarantee money. It’s how the state and FEMA decide how much help the area needs.

Step 2 — Call your insurance company

• Call the number on your policy or card
• Tell them: address, what got damaged, roughly when
• Ask for a claim number — write it down
• Take photos of damage before you clean up or throw anything away, if you can

Step 3 — Register with FEMA

• Go to disasterassistance.gov, OR call 1-800-621-3362
• You’ll need: Social Security number, insurance info, address, bank info (for direct deposit if approved)
• This applies to homeowners and renters — renters can qualify too

Step 4 — Everyone: apply for an SBA disaster loan

Even if you don’t want a loan, applying keeps other types of aid available to you — it’s a required step for some grant programs, not just a loan offer.

• Go to sba.gov/disaster
• Homeowners: up to $500,000 for the home itself
• Renters: up to $100,000 for belongings
• Businesses: see below

If you’re a resident (renter or homeowner)

• Steps 1–4 above
• Call 211 (Texas Health & Human Services) for shelter, food, rent/utility help
• If you had storm/flood damage to your property tax value, ask Kerr County about a damage exemption — there’s usually a filing deadline, so don’t wait

If you’re a business or nonprofit

• Steps 1–4 above (SBA business loans go up to $2 million)
• LiftFund grant (not a loan, up to $10,000): liftfund.com/2026-texas-hill-country-flood-relief-program, or call 888-215-2373
• Kerrville Chamber of Commerce Foundation grant (not a loan, no membership required): apply through the Chamber’s website
• Keep receipts for anything you spend on cleanup or temporary repairs — reimbursable later in some programs

In-person help — Kerr Together

If filling out forms online feels like too much right now, you can walk in and have someone sit with you and do it.

Kerr Together Long-Term Recovery Group

98 Coronado Dr. N., Kerrville, TX 78028

Monday–Friday, 9:00 am–5:00 pm (closed major holidays)

Phone: 830-315-1002

Email: admin@kerrtogether.com

Website: kerrtogether.com

They offer case management and can help you directly with SBA disaster loan applications and connecting to other recovery resources.

Kerr Together is a joint effort of these partner organizations — you can also reach out to any of them directly:

• City of Kerrville
• Kerr County
• Kerr Economic Development Corporation (KerrEDC)
• Kerrville Public Utility Board (KPUB)
• Kerrville Area Chamber of Commerce
• Kerrville Convention & Visitors Bureau (KCVB)
• West Kerr Chamber of Commerce

One more thing

Things change fast after a flood — new deadlines, new relief centers, new grant programs. The most current info always lives at:

kerrvilletx.gov → 2026 Flood Response & Recovery

If you get stuck or overwhelmed, call 211 — a real person will help you figure out what applies to you.