SBA Supplemental Disaster Loans to Homeowner Associations (HR9159)

Current understanding

HR9159 would amend the Small Business Act to authorize the Small Business Administration to make supplemental disaster loans to homeowner associations (HOAs) for repairing common areas damaged by disasters and for implementing disaster mitigation measures. The bill extends an existing SBA disaster loan pathway to a new borrower category rather than creating a new mechanism. Status: introduced.

Evidence log

• 2025-02-01 — Disaster Assistance Fairness Act: cross-connection with fema-common-interest-community-disaster-assistance: Both proposals extend federal disaster relief (FEMA assistance and SBA loans respectively) to HOA/common-interest community common areas, addressing a parallel coverage gap. (novelty: 2)
• 2025-12-17 — Disaster Assistance Simplification Act: cross-connection with disaster-assistance-simplification-act: SBA disaster loans are among the cross-agency assistance streams that a unified FEMA-led intake would consolidate. (novelty: 3)
• 2025-02-06 — Disaster Resiliency and Coverage Act of 2025: cross-connection with residential-hazard-mitigation-grants: Complementary disaster-related property assistance pathways: HR1105 offers pre-disaster residential mitigation grants and credits, while HR9159 expands post-disaster SBA loans to HOA common areas. (novelty: 3)

Open questions

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