If your home is damaged by a natural disaster, you might be eligible for a loan from the Small Business Administration, even if you don't own a business. There are no income restrictions, but any insurance reimbursements must be deducted from the amount you can qualify for. Homeowners in a declared disaster area may apply for loans of up to $200,000 to repair or restore their primary home. Renters and homeowners can get up to $40,000 to repair or replace personal property such as clothing, furniture, or cars. If you qualify for a loan from the SBA, you won't pay more than 8 percent in annual interest.