Nonprofit Recovery Resources

Nonprofit Resources for Disaster Recovery

We'll continue to update this information. If you know of or have any materials specifically for nonprofits to share, please let us know.


Important first steps if your nonprofit organization is in the federally declared disaster area.

  1. Contact your insurance company to file a claim. If you lease your space, verify that the owner has contacted his/her insurance company. Recommendations from insurance companies:
  • Take inventory and photos of damage. Make temporary repairs to protect your property from further damage. Save all your receipts and do not throw away damaged property.
  • If you need to relocate, keep your receipts for all related expenses.
  • Be careful of fraudulent contractors. Check credentials and/or check with your insurance company.
  1. Register with FEMA (through the Small Business Administration (SBA)). Deadlines: November 13, 2018 for physical damage; June 14, 2019 for economic injury.
  • Register (aka create an account) on the SBA website. The account must be registered to an individual to verify identity; the account allows you to file applications online on behalf of your organization.
  • Complete the Disaster Loan Application online (if you’ve created an account) or submit the paper form (Spanish). This serves as your registration with FEMA. Filing requirements include:
    • Tax Information Authorization (IRS Form 8821/4506-T), completed and signed by each applicant, each principal owning 20% or more of the applicant business, each general partner or managing member; and, for any owner who has more than a 50% ownership in an affiliate business.
    • Complete copies, including all schedules, of the most recent federal income tax returns for the applicant business; an explanation if not available.
    • Personal Financial Statement (SBA Form 413) completed, signed, and dated by the applicant (if a sole proprietorship), each principal owning 20% or more of the applicant business, and each general partner or managing member.
    • Schedule of Liabilities listing all fixed debts (SBA Form 2202 may be used).
    • Additional nonprofit requirements:
      • Articles of Incorporation (if incorporated)
      • By-laws
      • Charter (if applicable)
      • Board of Directors Resolution giving approval to apply to the SBA for disaster loan (may be provided after offer of a loan)
      • Complete copies of the organization's most recent tax returns OR a copy of the organization's IRS tax-exempt certification and complete copies of the three most recent years operating results
      • Current balance sheet and operating statement dated within 90 days of application
      • Names and addresses of all officers, trustees, and directors
      • Organization affiliation (if any)
      • Name, address, and phone numbers of all insurance companies providing coverage at the date of the disaster; all policy numbers, copies of policy coverage pages, and recovery settlements to date (if any)
      • Specifics of all disaster-related grants and/or funds received from FEMA
  • Once filed, the SBA will follow up on your application to request additional information and/or identify disaster loan options

Helpful Guides

The Three-Step Process for Disaster Loans

Disaster Loans Fact Sheet (Spanish)

Fact Sheet for Businesses of All Sizes (including frequently asked questions)


FEMA: 800-621-3362

Small Business Administration: 800-659-2955 or




Internal Revenue Service

The Internal Revenue Service (IRS) has extended several filing deadlines for organizations in the declared disaster area. Nonprofits with filing deadlines between September 7, 2018 and September 24, 2018 for payroll taxes or 990s will have until January 31, 2019 to file returns and pay any taxes that were originally due during this period.

Helpful Guides:

Disaster Resource Guide

Business Casualty, Disaster, and Theft Loss Workbook

Reconstructing Records After a Natural Disaster

Contact: 877-829-5500


Human Resources


Disaster Unemployment Assistance

Offered through the NC Division of Employment Security, workers who are or may become unemployed due to Hurricane Florence may be eligible for Disaster Unemployment Assistance (DUA). If approved, you can collect DUA for up to six months following the date of the hurricane. 

  • Create an account on the DES website and apply for regular unemployment insurance
  • If your application is declined, contact DUA to request assistance. These applications must be filed within 30 days.

Helpful Guide

Disaster Unemployment Assistance Fact Sheet


NC Division of Employment Security: 888-737-0259

Disaster Unemployment Assistance: 866-795-8877


Employers Advantage

Employers Advantage is offering free human resources support for small businesses in North Carolina and South Carolina through October 15. Mention ‘Florence’ when you contact them through the contact form, by email, or by phone 980-422-7953.


Coping with Emotional Crisis

Following a crisis or disaster, nonprofit staff members can experience unprecedented levels of fear and concern, especially if the organization's viability is seriously threatened. Here are suggstions on how to cope with these emotions and situations, including how they may manifest, how to identify them, and how to restore normalcy. (Nonprofit Risk Management Center)


Paying Employees During Emergencies

An outline of the federal laws and regulations employers need to pay attention to when deciding how and when to pay employees during an emergecy or natural disaster, including the Fair Labor Standards Act, Family and Medical Leave Act, Uniformed Services Employment and Reemployment Rights Act, Americans with Disabilities Act, Occupational Safety and Health Act, National Labor Relations Act, Leave banks, Unemployment, and Federal relief. (Society for Human Resources Management)


Loans & Other Resources


Business Recovery Counseling

The NC Small Business and Technology Development Center (SBTDC) offers free counseling and assistance to:

  • Assess the financial impact on your organization
  • Develop strategies for your recovery
  • Reconstruct financial statements
  • Evaluate options with creditors
  • Prepare SBA disaster loan applications

Locations & Contacts:

Elizabeth City: 252-335-3247 or

Fayetteville: 910-672-1727 or

Greenville: 252.737.1385 or

Nags Head: 252-3353334 or

Pembroke: 910-775-4007 or

Raleigh: 919-513-1500 or

Wilmington: 910-962-3744 or


Disaster Legal Services Hotline

The Disaster Legal Services Hotline is a pro bono legal project of the NC Bar Association, Legal Aid of NC, American Bar Association, and Federal Emergency Management Agency to provide disaster legal services for NC counties approved by FEMA to receive federal assistance in the wake of Hurricane Florence. The NCBA Young Lawyers Division coordinates the North Carolina Disaster Legal Services effort. Hurricane victims, including nonprofits, who have disaster-related legal questions or concerns may call.

Contact: 833-242-3549 weekdays between 9 a.m. and noon


Hurricane Florence Recovery Loan Program

Administered by the Carolina Small Business Development Fund, the Hurricane Florence Recovery Loan Program assists small business owners whose operations were impacted by Hurricane Florence with low-interest loans up to $25,000 as a complement to Small Business Administration and other disaster recovery programs. The application deadline is October 31, 2018. Eligible organizations must:

  • Be located in one of the affected counties
  • Have at least one employee or use loan funds to make improvements to a commercial or residential property that will be occupied by a tenant displaced as a result of the hurricane
  • Not duplicate or overlap loan funds with other disaster relief programs, and will be limited to documented business expenses necessary for disaster repair, mitigation, or operational expenses
  • Have any individual with greater than 20% ownership in the affected organization co-sign the loan.

Apply online.

Contact: contact form or 919-803-1437


NC Hurricane Florence Relief Fund

Reactivated by Governor Cooper and administered by the Golden LEAF Foundation, the NC Hurricane Florence Relief Fund offers grants to nonprofits who provide direct relief or recovery for survivors of Hurricane Florence. Grants are intended for organizations who have immediate needs but cannot get assistance from other sources (including government programs), cannot wait until they receive other assistance, or have losses that are not covered by insurance; they will not be awarded for costs that have been approved to receive funds through FEMA or other federal programs. Eligible programs/projects must be located in a county under federal disaster declaration and include:

  • Provision of temporary housing and rental assistance
  • Provision of food, water, ice, and other emergency supplies
  • Replacement of personal property (including clothing, tools, and equipment)
  • Repair or replacement of homes
  • Medical or dental expenses
  • Funeral or burial expenses resulting from the emergency

Create an account and apply online.

Contact: 888-684-8404


NC Rural Center

A subsidiary of the NC Rural Center, Thread Capital has opened the Hurricane Florence Rapid Recovery Loan program for small organizations, providing low-interest loans up to $50,000 with the intention of closing the gap between the event and the administration of federal loans, insurance payouts, and other disaster relief funds. Eligible organizations must:

  • Be a North Carolina small business affected by Hurricane Florence
  • Have at least one employee
  • Have any individual with greater than 20% ownership in the organization co-sign the loan.
  • Use funding from the loan only for maintaining or restarting a business. The use of loan funds to pay off debts already incurred for qualifying business maintenance or restart purposes may be authorized on a case-by-case basis.
  • Assign proceeds of any anticipated claims, outside loans, or financial assistance grants to the repayment of their Hurricane Florence Rapid Recovery Loan.

Apply online or submit a paper application.

Contact: 800-228-8443


U.S. Small Business Administration

The Small Business Administration (SBA) provides low-interest disaster loans up to $2 million that cover physical damage and economic injury for organizations of all sizes. (If you've registered with FEMA as noted in #2 above, you've already completed the SBA loan application.) Create an account and apply online or submit a paper application.

Contact: 800-659-2955 or