Planning for Emergencies

Small Business Administration • June 4, 2021
A group of people are working on a wooden structure

Step 1: Assess Your Risk

Every business has unique vulnerabilities and weaknesses. Knowing which disasters are most likely to affect your business can help you to return to operations faster. A back-to-business self-assessment can help you to assess your risks for common hazards such as hurricanes, wildfires, flooding, or even cyberattacks.

A cartoon illustration of a book store , a coffee shop , and a closed store.

Statistics say that 25% of businesses won't open again after a disaster.


Step 2: Create a Plan

Your response plan is your roadmap to recovery, so it should be tailored to your business’s specific needs and operations. It should address immediate priorities and be easy to access. Checklists and online toolkits are effective resources to help you develop your plan. Consider the following:



Focus on disasters that pose a realistic risk to your small business. Consult the following resources to lessen the financial impact of disasters and reopen your business quickly.

Topic Resource Tips
Hurricanes Checklist Safety Tips
Winter Weather Checklist Safety Tips
Earthquakes Checklist Safety Tips
Tornadoes Checklist Safety Tips
Wildfires Checklist Safety Tips
Floods Checklist Safety Tips
CyberSecurity Plan Security Tips

Step 3: Execute Your Plan

Practice your plan with your staff so you're ready when a disaster occurs.


Do you need help after a disaster? See how the SBA can help underserved small businesses recover from the economic impacts of pandemic and other disasters.
View Recovery Resources


Get Financial Assistance After a Disaster

You may be eligible for a low-interest disaster recovery loan through the SBA for damaged and destroyed assets in a declared disaster. These include repair and replacement costs for real estate, personal property, machinery, equipment, inventory, and business assets. Check to see if one of these loans apply.



Submit your SBA disaster loan as soon as possible, then ask your SBA representative about increasing your physical damage loan for mitigation purposes. There is no cost to apply, and you are under no obligation to accept a loan if approved.


For more emergency preparedness advice, visit ready.gov/business or contact SBA's Disaster Assistance Customer Service Center at 1-800-659-2955 (TTY: 1-800-877-8339) or disastercustomerservice@sba.gov.

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The U.S. Department of Agriculture has announced that it is making $27.7 million in grants available through the Rural Business Development Grant Program (RBDG). This program provides funding for business and community initiatives that promote economic growth and job creation. Eligible applicants can include rural cooperatives, state government agencies, towns, and communities, nonprofit corporations and institutions of higher learning, and federally recognized Tribes. Individuals and for-profit businesses or organizations are not eligible to apply. Applications will compete in two separate categories: Business opportunity grants: May be used for business support centers, technology-based economic development, leadership and entrepreneur training, feasibility studies, business plans, long-term strategic planning, and other eligible activities. Business enterprise grants: May be used for training and technical assistance, project planning, business counseling, market research, feasibility studies, and product or service improvements, buying or developing land, easements, or rights of way, including access streets and parking areas, constructing or renovating buildings, and buying machinery and equipment, capitalizing revolving loan funds, and supporting rural business incubators and community economic development and other eligible activities. Electronic applications must be submitted by 4:30 p.m. local time through Grants.gov on the due date. The Rural Business Development Grant Program has two different closing dates: June 15, 2026, only applies to Strategic Economic and Community Development (SECD) applications. June 30, 2026, applies to the remainder of the applicants. For more information on how to apply please visit on gov or contact your local USDA Rural Development office .