Flood recovery does not end when the water recedes. For many communities hit in 2025, the real grind started weeks later: paperwork, contractors, mold, temporary housing, damaged roads, and the long wait for permanent projects. Here is a practical, plain-language update on major 2025 U.S. flood events and what “recovered” usually looks like right now.
2025 U.S. Flood Events: Aftermath Status List
Built for quick scanning: each item shows incident window, assistance type, and the most useful “current status” checkpoints.
How to read “status”
“Status” here means practical recovery stage signals: whether FEMA Individual Assistance (IA) was offered, whether the IA application window is now closed, and what typically remains open even after deadlines (appeals, Public Assistance projects, insurance claim tail, contractor backlogs, and mitigation planning).
- IA (Individual Assistance): help for eligible households (home repair, personal property, temporary housing, related needs).
- PA (Public Assistance): reimburse eligible public entities and certain nonprofits for debris removal, emergency measures, and infrastructure repair.
- SBA disaster loans: separate process; often used for larger rebuild needs when grants do not cover the gap.
Tip: Try “deadline” to jump to events with a clear closeout date, or “PA only” to find infrastructure-heavy recoveries.
Fast scan table
2025 incidents
status as of early 2026
| Event | Where | Incident window | Assistance type | Status snapshot |
|---|---|---|---|---|
| Texas Hill Country summer storms | Texas | Jul 2 to Jul 18, 2025 | IA + PA | IA application window ended (late 2025) |
| Lower Mississippi Valley spring flooding cycle | KY, TN, AR | Apr 2 to Apr 5, 2025 (core) | IA + PA (varies) | Most household deadlines passed; PA work continues |
| New Mexico summer flooding + landslides | New Mexico | Jun 23 to Aug 5, 2025 | IA + PA | IA application window ended (late 2025) |
| Milwaukee-area August floods | Wisconsin | Aug 9 to Aug 12, 2025 | IA + PA | IA deadline was Nov 12, 2025; appeals ongoing |
| Nebraska August storms and flooding | Nebraska | Aug 8 to Aug 10, 2025 | PA + (IA in parts) | FEMA IA deadline ran into early Jan 2026 |
| Tropical Depression Chantal | North Carolina | Jul 6 to Jul 7, 2025 | PA only federally; state tracked IA | IA deadline Sept 23, 2025; PA projects active |
🟦 1) Texas Hill Country and Central Texas Summer Storms (DR-4879)
Incident window: Jul 2 to Jul 18, 2025 • Assistance: IA + PA
Household help offered
IA window ended (late 2025)
PA projects continue into 2026
Current status checkpoints
- The FEMA Individual Assistance application period ran through September 28, 2025 (extended), and is now shown as past due on FEMA’s disaster page.
- If you already applied, the practical next steps are usually: submit missing documents, respond to FEMA requests, and use the appeal window if the determination does not match the damage reality.
- Public infrastructure and debris reimbursement work typically stays active for months to years after the event, especially for road washouts, drainage failures, and public facility repairs.
Repair-cost reality: what “after the deadline” usually looks like
- Insurance claims: re-inspections, supplemental claims, and contractor estimate updates often run well beyond the FEMA IA window.
- Mold and materials: drying, remediation, and material lead times are often the biggest schedule drivers after a summer flood.
- Mitigation upgrades: communities and homeowners frequently pivot to practical future-proofing once the first rebuild is underway (grading, drainage, backflow, sump redundancy, elevated utilities).
🌊 2) Tennessee Spring Flooding and Severe Storms (DR-4878)
Incident window: Apr 2 to Apr 5, 2025 • Assistance: IA + PA
Current status checkpoints
- The FEMA IA application deadline was set for August 19, 2025 and has passed.
- Agricultural recovery often runs longer than “headline recovery” due to planting cycles and land restoration. Separate federal and state programs can still be active even after FEMA IA closes.
- Infrastructure repair (culverts, small bridges, road base failures) is typically the long pole in the tent for many counties.
What tends to be “still unresolved” months later
- Hidden moisture in basements and crawlspaces that becomes a mold and indoor-air issue later in the year.
- Repeated cleanup costs from secondary storms when temporary fixes (sandbags, pumps, tarps) become semi-permanent.
- Contractor scarcity and price volatility, especially for drainage, concrete, and foundation work.
🟩 3) Kentucky April Flooding and Landslides (DR-4864)
Incident window: Apr 2 to Apr 5, 2025 • Assistance: IA + PA
Current status checkpoints
- The FEMA IA application deadline was June 24, 2025 and has passed.
- Landslide-related home damage can create slower repair timelines than straightforward water intrusion, because stabilization and engineering often come first.
- Even when IA closes, households commonly cycle through: insurance supplementals, contractor scope changes, and appeals if damage documentation improves over time.
🟧 4) Arkansas April Storms and Flooding Stretch (DR-4873)
Incident window: Apr 2 to Apr 22, 2025 • Assistance: IA + PA
Current status checkpoints
- The FEMA IA application deadline was July 21, 2025 and has passed.
- Long incident windows often mean “multiple damage rounds” (first flood, then another storm) which can complicate documentation if repairs started between events.
- Common 2026 carryover work: drainage corrections, repaired road shoulders, culvert upsizing, and home elevation planning for repeat-loss properties.
⬛ 5) Mississippi March Flooding and Severe Storms (DR-4874)
Incident window: Mar 14 to Mar 15, 2025 • Assistance: IA + PA
Current status checkpoints
- The FEMA IA application deadline was July 11, 2025 and has passed.
- Flooding paired with wind damage often produces “mixed claim friction” where roof and water problems blend, and insurers require clearer separation of causes.
- Public repair work usually extends into 2026 for drainage channels, road base failures, and water control facilities.
🌧️ 6) New Mexico Summer Flooding and Landslides (DR-4886)
Incident window: Jun 23 to Aug 5, 2025 • Assistance: IA + PA
Current status checkpoints
- FEMA extended the IA application period to October 15, 2025, and FEMA now shows the last day to apply has passed.
- Landslide and mud impacts often require phased repairs: stabilize first, rebuild second.
- If you are in documentation mode: keep contractor photos, moisture readings, itemized receipts, and any local inspection notes, because those are often the difference-makers in appeals and supplemental claims.
🏙️ 7) Wisconsin August Flooding and Mudslides (DR-4892)
Incident window: Aug 9 to Aug 12, 2025 • Assistance: IA + PA
IA deadline: Nov 12, 2025
Appeals can still matter
Current status checkpoints
- The application deadline for FEMA IA was November 12, 2025. Some late applications may still be possible in limited circumstances, but the default window has ended.
- Local reporting indicates significant FEMA dollars had already been distributed in Milwaukee County by early November, and officials were actively urging remaining households to apply before the deadline.
- Typical 2026 carryover work after an urban flood: basement gut jobs, electrical replacement, sewer lateral and backflow fixes, and repeated moisture issues in multi-unit buildings.
Fast appeal checklist (plain English)
- Write 6 to 10 sentences: what happened, where the water went, and what became unsafe or unusable.
- Attach proof that is hard to argue with: contractor estimate, inspection notes, photos, receipts, and any “before vs after” context.
- Match each document to a need (drywall, electrical, flooring, furnace, accessibility, temporary housing).
🌾 8) Nebraska August Flooding and Straight-line Winds (DR-4896)
Incident window: Aug 8 to Aug 10, 2025 • Assistance: PA + IA in designated areas
Current status checkpoints
- FEMA communications for this disaster show a key household-facing deadline landing in early January 2026 (Jan. 8 referenced in FEMA messaging), meaning this one stayed “live” longer than many 2025 events.
- State-level recovery notes highlight multi-year PA grant performance windows for public repairs, which is normal for infrastructure-heavy events.
- If you missed the IA window: keep records anyway. Local recovery programs, insurance, and SBA loans (where applicable) can still hinge on the same documentation quality.
🌀 9) Tropical Depression Chantal (North Carolina, DR-4889)
Incident window: Jul 6 to Jul 7, 2025 • Federal declaration: PA only (plus state tracked IA deadlines)
Current status checkpoints
- Federal documentation frames this declaration as Public Assistance only, which puts the emphasis on debris, emergency measures, and public facility repairs rather than direct household grants.
- North Carolina’s public safety agency posted an Individual Assistance application deadline of Sept. 23, 2025 for the event, alongside PA process steps and timelines.
- Practical reality in a PA-driven recovery: residents often feel “nothing is happening” while governments and utilities are working projects that take longer to procure, scope, and obligate.
🌪️ 10) Texas March Storms and Flooding (DR-4871)
Incident window: Mar 26 to Mar 28, 2025 • Recovery note: SBA loan deadlines extended into 2026
Current status checkpoints
- SBA physical damage loan deadlines for this event were published with a January 26, 2026 physical deadline and a later EIDL deadline, meaning this was still within the loan window in early January 2026.
- This is a common “late-stage” recovery pattern: grants are time-boxed earlier, but loan programs and multi-year public work continue longer.
❄️ 11) Virginia Winter Storms With Flooding (DR-4863)
Incident window: Feb 10 to Feb 18, 2025 • Recovery note: SBA physical loan deadline mid-2025
Current status checkpoints
- SBA published a July 28, 2025 physical loan application deadline for this event, with an EIDL deadline stretching further out.
- Winter flood aftermath tends to show up later in the year as foundation moisture, delayed material failure, and mold issues emerge after the first warm season.
🏘️ 12) Indiana Spring Storms and Flooding (DR-4882)
Incident window: Mar 30 to Apr 9, 2025 • Recovery note: SBA physical loan deadline in 2026
Current status checkpoints
- SBA documentation lists a March 26, 2026 physical loan application deadline for this event, which means the loan window can remain relevant deep into the following year.
- This is a classic “slow-rebuild” setup: multiple rounds of spring storms can produce staggered repairs, with drainage and basement solutions often postponed until contractors are available.
A simple “after the flood year” checklist (still useful in 2026)
Use this if you are past deadlines but still dealing with the real-world tail of a 2025 flood.
Flood recovery is a long tail: most 2025 household application windows have closed, but appeals, insurance supplementals, contractor-driven delays, and public infrastructure work often continue well into 2026 and beyond. If you want, I can expand this into a “state-by-state tracker” format (still mobile-friendly) that covers additional FEMA 2025 flood-related declarations beyond this major-events list.
