Emergency Loans

To assist established (owner or tenant) family farmers, ranchers and aquaculture operators with loans to cover losses resulting from major and/or natural disasters, which can be used for annual farm operating expenses, and for other essential needs necessary to return disaster victims' farming operations
to a financially sound basis in order that they will be able to return to private sources of credit as soon as possible.

Agency - Department of Agriculture

Established in 1862, the Department of Agriculture serves all Americans through anti-hunger efforts, stewardship of nearly 200 million acres of national forest and rangelands, and through product safety and conservation efforts. The USDA opens markets for American farmers and ranchers and provides food for needy people around the world.

Office - None.

Consult the appropriate FSA State office listed in Appendix IV of the Catalog.

Vist FSA website at www.fsa.usda.gov to locate nearest office.

Program Accomplishments

Fiscal Year 2015: $13,383,000 Average Loan Size: $108,000. Actual Direct EM loans made in FY 2015 were 124. Fiscal Year 2016: $50,000,000 The Agency estimates 450 Emergency loans being made in FY 2016 for a total obligations estimated at $50,000,000. Fiscal Year 2017: $50,000,000 The Agency estimates 450 Emergency loans being made in FY 2017 for a total obligations estimated at $50,000,000.

Uses and Use Restrictions

Loan funds may be used to repair, restore, or replace damaged or destroyed farm property (real and chattel) and supplies which were lost or damaged as a direct result of a natural disaster; under certain conditions, refinance secured and unsecured debts made necessary by the disasters; finance adjustments in the farming, ranching or aquaculture operation(s) determined necessary to restore or maintain applicants' operations on a sound financial basis equivalent to their predisaster potential.

The total of all actual loss loans is based on actual dollar value of production and physical losses.

Loans are made at the Agency's current Emergency Loan actual loss interest rate, with a maximum limit of 100 percent of the actual production loss and 100 percent of the actual physical loss, or $500,000 total indebtedness.

Loans are made in counties: (1) Named by the Federal Emergency Management Agency as being eligible for Federal assistance under a major disaster or emergency declaration by the President; (2) designated as natural disaster areas by the Secretary of Agriculture; and (3) designated by the FSA Administrator for severe physical losses, only, as a result of a natural disaster.

Eligibility Requirements

Applicant Eligibility

Requires that an applicant: (a) Not have caused a loss to the Agency after April 4, 1996, or received debt forgiveness on no more than 1 occasion prior to April 4, 1996.

(b) be an established family farmer, rancher, or aquaculture operator (either tenant-operator or owner-operator), who was conducting a farming operation at the time of occurrence of the disaster either as an individual proprietorship, a partnership, a cooperative, a corporation, or a joint operation; (c) have suffered qualifying crop loss and/or physical property damage caused by a designated natural disaster; (d) be a citizen of the United States or legal resident alien, or be operated by citizens and/or resident aliens owning over a 50 percent interest of the farming entity; (e) be unable to obtain suitable credit from any other source(s) to qualify for subsidized loss loans; (f) have sufficient training or farming experience in managing and operating a farm or ranch (1 year's complete production and marketing cycle within the last 3 years immediately preceding the application); (g) be able to project a feasible and sound plan of operation; (h) be a capable manager of the farming, ranching, or aquaculture operations (in the case of a cooperative, corporation, partnership or joint operation, if members, stockholders, partners or joint operators own a majority interest and are related by blood or marriage, at least one member, stockholder, partner or joint operator must operate the family farm; if not related, the majority interest holder(s) must operate the family farm); (I) have legal capacity to contract for the loan; (j) obtain eligibility certification; (k) provide adequate collateral to secure the loan request; (l) have not been convicted of crop insurance fraud (in certain situations); (m) have crop insurance if available for affected crops comply with the highly erodible land and wetland conservation provisions of Public Law 99-198 (16 U.S.C.

3801 et seq.), (Title 12 and 13) the Food Security Act of 1985 and the Food, Agriculture, Conservation, and Trade Act of 1990.

Applicants who cannot meet all of these requirements are not eligible.

Assistance is available in the 50 States, the Commonwealth of Puerto Rico, the Virgin Islands of the United States, Guam, American Samoa, the Commonwealth of the Northern Mariana Islands, and, to the extent the Secretary determines it to be feasible and appropriate, the Trust Territories of the Pacific Islands, when those areas (by county) are designated.

Beneficiary Eligibility

Applicants/borrowers are the direct beneficiaries when they meet all eligibility criteria. Families, individuals and entities who are farmers, ranchers or aquaculture operators are the beneficiaries.


Applicants must establish that substantial physical property damage and/or severe production losses, caused by the designated natural disaster, has occurred. To qualify for loss loans, the applicant must be unable to get credit elsewhere and demonstrate repayment ability on the loan. This program is excluded from coverage under OMB Circular No. A-87. This program is excluded from coverage under 2 CFR 200, Subpart E - Cost Principles.

Aplication and Award Process

Preapplication Coordination

Preapplication coordination is not applicable.

Environmental impact information is not required for this program.

This program is excluded from coverage under E.O.


Application Procedures

This program is excluded from coverage under 2 CFR 200, Uniform Administrative Requirements, Cost Principles, and Audit Requirements for Federal Awards. Application Form FSA 2001 provided by the Farm Service Agency must be presented, with supporting information, to the FSA county office serving the applicant's county. FSA personnel assist applicants in completing their application forms. Applications must be submitted no later than 8 months from when the disaster is declared or designated.

Award Procedures

FSA Farm Loan Manager, State Executive Directors, and the Administrator or his designee are authorized to approve these loans, subject to certain administrative requirements, after applicants are determined eligible.


Contact the headquarters or regional office, as appropriate, for application deadlines.


Consolidated Farm and Rural Development Act, as amended, Subtitle C, Sections 321-330, Public Law 92-419, 7 U.S.C. 1961- 1984; Public Law 96-438; Public Law 97-35; Public Law 98-258; Public Law 99-198; Public Law 100-233; Public Law 100-387; Public Law 101-624. ; Agricultural Act of 2014, Public Law 113-79, 128 Stat. 838, 7 U.S.C 1961.

Range of Approval/Disapproval Time

From 30 to 60 days. Applications must be approved or disapproved within 60 calendar days after the receipt of a completed application by the County Office.


Applicants for loans may appeal adverse actions taken. The applicant is given an opportunity to appeal the decision to the National Appeals Division.


Rescheduling, reamortization, consolidation and deferment: Up to 15 years rescheduling for short and intermediate term loans made for production-type losses. Long term loans may be reamortized. However, the maximum statutory repayment period of 40 years for real-estate purposes cannot be exceeded. Loans made for similar purposes can be consolidated and rescheduled or reamortized. Generally, real estate will be needed as security when a term of more than 7 years is authorized.

Assistance Considerations

Formula and Matching Requirements

This program has no statutory formula. Matching requirements are not applicable to this program. MOE requirements are not applicable to this program.

Length and Time Phasing of Assistance

This varies in accordance with individual case needs, type of disaster losses, type of security available, and borrower's repayment ability. Applicants should consult the FSA county office serving their area for specific information. See the following for information on how assistance is awarded/released: Loan funds may be dispersed in lump sum or in increments.

Post Assistance Requirements


No reports are required.


Not Applicable.


Applicants must furnish 3 year history of farm production, if available, when production losses are claimed. Otherwise, FSA records of acres grown and proven yields, county or State production averages, or combinations of the above records when approved, are used. Borrowers must keep adequate records as a condition for receiving FSA financing. Specific financial information is required to be maintained for 3 years for some borrowers as a condition of receiving loan assistance.

Financial Information

Account Identification



(Direct Loans) FY 15 $13,383,000; FY 16 est $74,554,000; and FY 17 est $47,084,000

Range and Average of Financial Assistance

The maximum emergency loan amount may not exceed $500,000.

Regulations, Guidelines, and Literature

7 CFR Parts 764. FSA Handbook 3 FLP. Farm Service Agency Fact Sheets. Program Aids 1610 'Farm Service Agency Producers Gudied to Loan Programs. FSA Brochure FSA-BR-01 Your Guide to FSA Farm Loans. above information is avialable on FSA website at:www.fsa.usda.gov.

Information Contacts

Regional or Local Office

None. Consult the appropriate FSA State office listed in Appendix IV of the Catalog. Vist FSA website at www.fsa.usda.gov to locate nearest office.

Headquarters Office

Connie Holman 1400 Independence Avenue, SW, Washington, District of Columbia 20250 Email: Connie.Holman@wdc.usda.gov Phone: 202-690-0756

Criteria for Selecting Proposals

Not Applicable.

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