The Kerr County Lead kerrcountylead.com

Flood Recovery · Kerr County, Texas

Where to get help after the July 2026 floods

Resources for residents and businesses in Kerrville, Center Point, Ingram, Hunt, Mountain Home, and all of Kerr County. Resources are also available for those still recovering from the July 4, 2025 flood.

Last updated July 20, 2026 — verify details directly with each organization before acting.

One-stop in-person help

Kerr Together Disaster Relief Center — 98 Coronado Dr. N., Kerrville · Mon–Fri, 9 a.m.–5 p.m. Staff sit with you and help with everything. (830) 315-1002 · kerrtogether.com · También en español

This page is updated regularly as the situation evolves

New programs, phone numbers, and deadlines will be added as they become available. Check back often — and if you have information that should be here, contact The Lead.

First steps — do these before anything else

Reporting damage costs nothing and doesn’t obligate you to anything. It gets you in line for help and feeds the data officials use to unlock federal aid for the region.
  1. 1
    Report your damage to the state (5–10 minutes)
    Go to damage.tdem.texas.gov — the iSTAT Damage Survey — available in English and Spanish. Photos help but aren’t required. Also at the Kerr Together iSTAT direct link.
  2. 2
    Register with FEMA
    Go to disasterassistance.gov or call 1-800-621-3362. Renters qualify too — not just homeowners. You’ll need your Social Security number, insurance info, address, and bank info for direct deposit. If you don’t have an email address, ask FEMA to use a phone number instead. See the FEMA denials section below if you’ve already been denied.
  3. 3
    Apply for an SBA disaster loan
    The Presidential Disaster Declaration for Kerr County has been signed — SBA loans are now available. Apply at sba.gov/disaster or call 1-800-659-2955. Even if you don’t want a loan, applying keeps other aid available. Homeowners: up to $500,000. Renters: up to $100,000. Businesses: up to $2 million.
  4. 4
    Call 2-1-1 for immediate needs
    Texas 2-1-1 connects you to shelter, food, rent, and utilities. A real person answers, regardless of immigration status.
  5. 5
    Document everything before you clean up
    Photograph damage before throwing anything away. Keep all receipts. Write down a log of anything discarded before you could photograph it. This documentation is required for FEMA, SBA, and insurance claims.

If FEMA denied your application

FEMA denials are common — and often reversible

After the 2025 Kerr County flood, only about 22% of applicants received aid — compared to a national average of 39%. Many denials happened because applicants didn’t respond to follow-up requests, not because they were ineligible. A denial is not the final word. You have the right to appeal, and Kerr Together can help you do it at no cost.

How to appeal a FEMA denial
Read your determination letter carefully — it explains the reason and what documents to include. You have 60 days from the date on the letter to appeal. Most denials are for fixable reasons: a missing document, insurance questions, or proof of occupancy.

Appeal by: uploading at disasterassistance.gov · calling 1-800-621-3362 · mailing to FEMA National Processing Service Center, P.O. Box 10055, Hyattsville MD 20782-7055 · faxing to 800-827-8112.

Your appeal letter should state why the decision was wrong, and include your full name, FEMA application number, FEMA disaster number, and last four digits of your Social Security number on every page.
Free help with FEMA applications and appeals
Kerr Together Disaster Relief Center — staff can sit with you at no cost to complete or appeal your application. Walk in at 98 Coronado Dr. N., Kerrville, Mon–Fri, 9 a.m.–5 p.m.

Advocates for Disaster Justice — free detailed FEMA appeal guidance: advocatesfordisasterjustice.org
📍 98 Coronado Dr. N., Kerrville ✆ (830) 315-1002 Mon–Fri, 9 a.m.–5 p.m.
Documents that help an appeal
Gather as many as you can:
  • Your FEMA denial letter
  • Lease or mortgage documents proving the home was your primary residence
  • Utility bills, government ID, or mail showing your address
  • Insurance policy plus any denial or settlement letter from your insurer
  • Contractor repair estimates, receipts, or damage photos
  • If renting: rent receipts or canceled checks
Even if your insurance denied your claim, FEMA still needs to see that denial letter.

Debris and cleanup

Do not dump debris illegally. After the 2025 flood, illegal dumping on debris piles created serious problems for cleanup crews and search operations. Debris placed outside designated procedures may not be collected and can result in fines.
City of Kerrville — curbside debris pickup
City crews are actively clearing debris. Place flood debris at the curb, separate from regular household trash. Do not dump on other piles or in parks. Road closures and pickup schedules: kerrvilletx.gov → 2026 Flood Response & Recovery. Check before hauling.
🌐 kerrvilletx.gov
Outside Kerrville — Center Point, Hunt, Ingram, Mountain Home
Debris collection for unincorporated Kerr County is coordinated through Kerr County. Contact Kerr County Emergency Management or your local volunteer fire department about designated staging areas. Do not haul debris to Kerrville city collection points unless directed.
✆ Kerr County OEM: (830) 257-2886
Team Rubicon — free muck-out and debris removal
Team Rubicon’s veteran-led Greyshirt volunteers are deploying to Kerr County, providing interior muck-outs, debris removal, and temporary home repair at no cost to homeowners. Coordinating through Kerr Together — contact 98 Coronado to request assistance.
✆ (830) 315-1002🌐 kerrtogether.com
Volunteer coordination
Kerr Together is coordinating all volunteer labor countywide. Register your need or sign up to help at kerrtogether.com/give-help/volunteer or call (830) 315-1002. Spontaneous volunteers should register at the Kerr Together volunteer form before coming.

Mold and cleanup safety

Mold can begin growing within 24–48 hours of flooding. Some people should not enter mold-damaged spaces at all — including anyone immunocompromised, with asthma, who is pregnant, or elderly. If you can’t safely work in the space, get help first.
Minimum protective gear before entering a flooded home
N-95 mask (minimum), rubber or latex gloves, goggles, and clothing covering arms and legs. Change and bag clothing after work; shower immediately after cleanup. Full CDC/EPA guidance: What to know about mold and cleanup safety — The Kerr County Lead.
Team Rubicon — free volunteer mold remediation
Team Rubicon Greyshirts perform interior muck-outs down to the studs to eliminate mold growth at no cost. If you cannot safely handle cleanup yourself, contact Kerr Together to be placed on the request list.
✆ (830) 315-1002Mon–Fri, 9 a.m.–5 p.m.
If you hire a contractor — protect yourself
Be cautious of unsolicited contractors. Get written estimates, verify licensing through the Texas Department of Licensing and Regulation, and do not pay in full upfront. Call your insurance company before hiring. Report contractor fraud to the Texas Attorney General at 1-800-252-8011.

Mental health support

Grief, fear, sleeplessness, and numbness are all normal responses after a disaster — and they affect everyone in the community, not just those who lost property. You don’t have to be in crisis to reach out. Help is available now, at no cost.

Hill Country MHDD — Crisis Line
24/7 crisis support from the local mental health authority serving Kerr County.
✆ 1-877-466-0660
Hill Country MHDD — Local office
Counseling, trauma-informed care, and ongoing mental health services.
✆ (830) 257-6553
988 Suicide and Crisis Lifeline
Call or text 988 in English or Spanish, 24 hours a day.
✆ Dial or text 988
Disaster Distress Helpline
Free, confidential support for disaster-related emotional distress.
✆ 1-800-985-5990
Kerr Together — Emotional and Spiritual Care
Kerr Together coordinates trauma-informed counseling and support for all ages — including children, seniors, and first responders. Upcoming events at kerrtogether.com.
✆ (830) 315-1002🌐 kerrtogether.com

If you rent your home or apartment

Renters are eligible for many of the same programs as homeowners — including FEMA assistance and SBA disaster loans. You do not have to own your home to get help.
FEMA assistance for renters
Renters can apply for FEMA’s Individuals and Households Program to replace personal belongings, pay for temporary housing, and cover disaster-related expenses. Apply at disasterassistance.gov or call 1-800-621-3362. Proof of residency can be a lease, utility bill, or rent receipts.
✆ 1-800-621-3362🌐 disasterassistance.gov
SBA disaster loans for renters
Renters can borrow up to $100,000 to replace personal property — furniture, clothing, appliances, vehicles. Apply at sba.gov/disaster or call 1-800-659-2955. You do not need to be a business owner.
Your landlord’s obligations
Under Texas law, if your unit was made uninhabitable by the flood, you may have the right to terminate your lease or withhold rent while repairs are pending. Your landlord is generally responsible for repairing structural damage. Contact Texas RioGrande Legal Aid at 1-888-988-9996 for free legal advice — they have Spanish-speaking staff.
Emergency rent and housing help — call 2-1-1
Call 211 for emergency rental assistance, shelter options, and local nonprofits providing direct financial help. Available 24/7.
Kerr Together — housing case management for renters
Case managers at 98 Coronado can assess your situation as a renter and connect you with available housing assistance, whether you need temporary shelter or help navigating a lease dispute.
📍 98 Coronado Dr. N., Kerrville✆ (830) 315-1002Mon–Fri, 9 a.m.–5 p.m.

If you lost your home or can’t return

Emergency shelter — call 2-1-1 first
Call 211 for immediate shelter, food, rent assistance, and utility help. Active shelter locations have included Calvary Temple Church (Kerrville) and City West Church (Ingram area) — call 211 to confirm current locations.
FEMA Individual Assistance — homeowners
FEMA can provide grants for temporary housing, home repairs, and personal property not covered by insurance. Apply at disasterassistance.gov or call 1-800-621-3362. If already denied, see the FEMA appeals section above.
✆ 1-800-621-3362
Kerr Together — Housing Working Group
Kerr Together coordinates housing recovery countywide — repairing, rebuilding, and rehousing families with materials, labor, permitting, and temporary housing. As of this summer, 228 households from the 2025 flood are either home or on a path to permanent housing; 2026 survivors are now being added.
📍 98 Coronado Dr. N., Kerrville✆ (830) 315-1002Mon–Fri, 9 a.m.–5 p.m.
Rebuild Kerr / Community Foundation of the Texas Hill Country
Rebuild Kerr supports long-term housing recovery, including an Airbnb.org partnership for temporary housing. A new 2026 Texas Hill Country Flood Relief Fund is also active: cftexashillcountry.fcsuite.com · rebuildkerr.org
Property tax damage exemption
Kerr County offers a property tax exemption for flood-damaged property. There is a filing deadline — contact the Kerr County Appraisal District as soon as possible.
✆ (830) 895-5223

If you are undocumented or unsure of your status

You do not need to be a U.S. citizen or have legal immigration status to receive help from many organizations on this page. Nonprofit organizations, churches, and community groups serve everyone regardless of status and do not share information with immigration authorities.
Catholic Charities — supplies, services, and direct help
Catholic Charities provides disaster relief to flood victims regardless of immigration status. Catholic Charities of San Antonio is the primary regional partner for Kerr County. They do not ask about or report immigration status. (210) 222-1294 · ccaosa.org
✆ (210) 222-1294
Call 2-1-1 — no status required
Texas 2-1-1 does not ask about or verify immigration status and connects callers with food, shelter, utilities, and local nonprofits that serve everyone in the community.
Kerr Together — open to all residents
Kerr Together’s case management at 98 Coronado Dr. N. is open to all Kerr County residents regardless of immigration status. Staff can assist in Spanish.
📍 98 Coronado Dr. N., Kerrville✆ (830) 315-1002Mon–Fri, 9 a.m.–5 p.m.
Faith communities and local churches
Many local churches provide food, supplies, and direct assistance without documentation requirements. Notre Dame Catholic Church in Kerrville has been a center of flood relief: notredamechurch.cc · (830) 257-5816. Ask at 2-1-1 for others in your area.
Know your rights — free legal help
Emergency food, shelter, and medical care do not require documentation. Disaster shelters generally do not share information with immigration authorities. For legal questions, contact Texas RioGrande Legal Aid at 1-888-988-9996 — they serve immigrants and have Spanish-speaking staff.

If your business was damaged

Document before you clean up. Photograph all damage first. Save every receipt. Keep a log of anything discarded before it could be photographed. Volunteer labor hours may count toward documentation requirements.
Step 1 — Report damage to the state first
Report at damage.tdem.texas.gov and disaster.texas.gov before applying anywhere else. This data determines which programs get funded.
LiftFund — grants up to $10,000 (open now)
Grants — not loans — up to $10,000 for eligible small businesses and nonprofits in Kerr County. For rebuilding, equipment, and operating expenses. Business must have been operating on or before July 1, 2025. Physical damage is not required to qualify.
🌐 liftfund.com/2026-texas-hill-country-flood-relief-program✆ 888-215-2373
Kerrville Area Chamber of Commerce Foundation — grants (open now)
Business recovery grants regardless of Chamber membership. Covers building repairs, signage, equipment, inventory, utilities, and other recovery expenses. No repayment required.
🌐 kerrvillechamber.biz/foundation
SBA Disaster Loans — up to $2 million (now available)
Presidential Disaster Declaration signed. Business Physical Disaster Loans cover physical damage up to $2 million. Economic Injury Disaster Loans cover working capital even for businesses with no physical damage. Apply at sba.gov/disaster or call the SBA. Staff at 98 Coronado can help with applications.
🌐 sba.gov/disaster✆ SBA: 1-800-659-2955
PeopleFund — financial assistance
Disaster relief loans and financial assistance for affected businesses. Contact: Drexel.King@PeopleFund.org
Kerr Together Business Recovery — in-person help
Walk-in help navigating all programs and applications. No appointment needed.
📍 98 Coronado Dr. N., Kerrville✆ (830) 315-1002Mon–Fri, 9 a.m.–5 p.m.

If your business wasn’t damaged, but the flood is hurting it

Businesses in tourism, hospitality, retail, and services often suffer significant revenue losses even when their building wasn’t directly flooded. Several programs specifically cover economic injury without requiring physical damage.

SBA Economic Injury Disaster Loans
EIDLs cover working capital — payroll, fixed debts, and bills you can’t pay because of the disaster — even with no physical damage. Up to $2 million. Apply at sba.gov/disaster or call 1-800-659-2955.
✆ 1-800-659-2955
LiftFund grants — economic impact qualifies
LiftFund’s 2026 program accepts businesses demonstrating a negative economic impact — physical damage is not required. Grants up to $10,000. Apply at liftfund.com or call 888-215-2373.
Kerr Together Business Recovery
The Business Recovery Working Group can advise on programs available even without direct property damage. Walk in at 98 Coronado Dr. N.
📍 98 Coronado Dr. N., Kerrville✆ (830) 315-1002

Pets and animals

Keep pets out of floodwaters — they can contain sewage, automotive fluids, and harmful bacteria. Keep animals away from flood-affected areas until water is confirmed safe.
Kerrville Pets Alive!
Lost and found pet assistance.
✆ 844-572-7387
City of Kerrville Animal Control
✆ (830) 258-1182
Kerr County Animal Services
✆ (830) 257-3100
Uvalde County Fairplex — shelter with pet accommodations
Emergency shelter accepting pets. Call 211 to confirm availability.

Stay informed

Sign up for CodeRed emergency alerts
Kerr County uses CodeRed to alert the public about ongoing emergencies. The River Sentry flood detection system installed after the 2025 flood is now integrated with these alerts. Sign up at accountportal.onsolve.net/kerrcounty.
Official information sources
City of Kerrville — road closures, debris pickup, updates: kerrvilletx.gov
Kerr Together — all recovery programs: kerrtogether.com · (830) 315-1002
The Kerr County Lead — local news coverage: kerrcountylead.com
Rebuild Kerr — long-term recovery: rebuildkerr.org