"The U.S. Department of Agriculture's (USDA) Farm Service Agency (FSA) provides emergency loans to help farmers and ranchers who own or operate a farm/ranch located in a county declared by the President or designated by the Secretary of Agriculture as a primary disaster area or quarantine area. Emergency loan funds may be used to: Restore or replace essential property Pay all or part of production costs associated with the disaster year Pay essential family living expenses Reorganize the farming operation Refinance certain debts, excluding real estate Loan applicants may borrow up to 100 percent of their total actual production and/or physical losses. The maximum loan amount is $500,000. Loans for crops, livestock, and non-real estate losses have a repayment term usually between 1 to 7 years depending upon the loan purpose, collateral, and repayment ability. Loans for physical losses to real estate normally have a 30-year repayment term, not to exceed 40 years."