Federal Emergency Management Agency Designates Multiple Counties in Kentucky as Contiguous Natural Disaster Areas Due to Severe Winter Storm

This Presidential disaster declaration allows the United States Department of Agriculture (USDA) Farm Service Agency (FSA) to extend much-needed emergency credit to producers recovering from natural disasters through emergency loans. Emergency loans can be used to meet various recovery needs including the replacement of essential items such as equipment or livestock, reorganization of a farming operation, or to refinance certain debts. FSA will review the loans based on the extent of losses, security available, and repayment ability.

1. Triggering Presidential Designation M4898

Impacted Area: Tennessee, Alabama, Kentucky, Mississippi

Triggering Disaster: Severe Winter Storm that occurred January 22, 2026 through January 27, 2026

Application Deadline: 10/06/2026

Primary Counties Eligible:

• Tennessee: Cheatham, Chester, Clay, Davidson, Hardin, Henderson, Hickman, Lewis, McNairy, Macon, Perry, Sumner, Trousdale, Wayne, Williamson

Contiguous Counties Also Eligible:

• Alabama: Lauderdale

• Kentucky: Allen, Clinton, Cumberland, Monroe, Simpson

• Mississippi: Alcorn, Tishomingo

• Tennessee: Benton, Carroll, Decatur, Dickson, Hardeman, Humphreys, Jackson, Lawrence, Madison, Marshall, Maury, Montgomery, Overton, Pickett, Robertson, Rutherford, Smith, Wilson

1. Triggering Presidential Designation M4898 Amendment 1

Impacted Area: Tennessee, Alabama, and Kentucky

Triggering Disaster: Severe Winter Storm that occurred January 22, 2026 through January 27, 2026

Application Deadline: 10/13/2026

Primary Counties Eligible:

• Tennessee: Lawrence, Maury, Robertson, Wilson

Contiguous Counties Also Eligible:

• Alabama: Lauderdale

• Kentucky: Logan, Simpson, Todd

• Tennessee: Cannon, Cheatham, Davidson, DeKalb, Giles, Hickman, Lewis, Marshall, Montgomery, Rutherford, Smith, Sumner, Trousdale, Wayne, Williamson

1. Triggering Presidential Designation M4898 Amendment 2

Impacted Area: Tennessee, Alabama, Arkansas, Georgia, Kentucky, Mississippi

Triggering Disaster: Severe Winter Storm that occurred January 22, 2026 through January 27, 2026

Application Deadline: 11/09/2026

Primary Counties Eligible:

• Tennessee: Benton, Decatur, Dickson, Fayette, Giles, Hamilton, Hardeman, Henry, Humphreys, Jackson, Madison, Montgomery, Morgan, Overton, Rhea, Roane, Sequatchie, Shelby, Smith, Stewart, Union

Contiguous Counties Also Eligible:

• Alabama: Lauderdale, Limestone

• Arkansas: Crittenden, Mississippi

• Georgia: Catoosa, Dade, Walker, Whitfield

• Kentucky: Calloway, Christian, Graves, Todd, Trigg

• Mississippi: Alcorn, Benton, DeSoto, Marshall, Tippah

• Tennessee: Anderson, Bledsoe, Bradley, Campbell, Carroll, Cheatham, Chester, Claiborne, Clay, Crockett, Cumberland, DeKalb, Fentress, Gibson, Grainger, Grundy, Hardin, Haywood, Henderson, Hickman, Houston, Knox, Lawrence, Lincoln, Loudon, McMinn, McNairy, Macon, Marion, Marshall, Maury, Meigs, Perry, Pickett, Putnam, Robertson, Scott, Tipton, Trousdale, Van Buren, Warren, Wayne, Weakley, Williamson, Wilson

More Resources

On farmers.gov, the Disaster Assistance Discovery Tool, Disaster Assistance-at-a-Glance fact sheet, and Loan Assistance Tool can help you determine program or loan options. To file a Notice of Loss or to ask questions about available programs, contact your local USDA Service Center.

FEMA offers different assistance programs for individual citizens, public groups including government agencies and private nonprofit organizations. To find the FEMA help you need following a disaster event, visit fema.gov/assistance.

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