Annapolis Tornado Business Resources

The City of Annapolis is here to support businesses impacted by the Annapolis Tornado. More resources will be added to this page as they become available. 

Anne Arundel Economic Development Corporation

Disaster Recovery Micro Grant

AAEDC has received a $25,000 grant from the TD Charitable Foundation to distribute to businesses affected by Hurricane IDA. Proceeds of the sub grants will help with recovery from the damage and/or pause in operations sustained from the tornado. The grants will be up to $5,000 per business and proceeds can be used for any legitimate business expense related to sustaining or restarting operations. Examples of eligible uses include physical property repairs, replacement of business equipment, replacement of inventory, lease/rental support, vendor bill support or moving expenses support.

Maryland Department of Housing and Community Development 

Maryland Business Recovery Loan Program

Eligible Activities: An emergency loan program to assist small businesses affected by disaster or emergency events for: renovations; repairs and replacement of furniture, fixtures and equipment; inventory replacement, and; certain other costs associated with recovery of a small business, including working capital.

Other Program Characteristics: Terms may vary, but generally offers assistance up to $50,000 (amount based on damage assessment) at 0%.   Higher amounts will be considered on a case-by-case basis. Financing may be used in conjunction with other financing, insurance proceeds, etc.

Small Business Administration

Small Business Disaster Loans 

To assist businesses and residents affected by the disaster, the Small Business Administration has opened a Disaster Loan Outreach Center (DLOC) in Anne Arundel County. The DLOC is located at the Anne Arundel Economic Development Corporation offices at 2660 Riva Rd, #200, Annapolis, MD 21401. 

Hours: Monday – Friday, 8:30 a.m. – 5 p.m.

Closes Permanently: Friday, Nov. 5 at 4 p.m.

Customer Service Representatives will be available to answer questions about the disaster loan program and help individuals complete their applications. 

Applicants may be eligible for a loan amount increase up to 20 percent of their physical damages, as verified by the SBA for mitigation purposes.  Eligible mitigation improvements may include a safe room or storm shelter, sump pump, French drain, or retaining wall to help protect property and occupants from future damage caused by a similar disaster.

Applicants may apply online using the Electronic Loan Application (ELA) via SBA’s secure website at and should apply under SBA declaration #17229, not for the COVID-19 incident. 

Disaster loan information and application forms may also be obtained by calling the SBA’s Customer Service Center at 800-659-2955 (800-877-8339 for the deaf and hard-of-hearing) or emailing Loan applications may be downloaded at Completed applications should be returned to the center or mailed to: U.S. Small Business Administration, Processing and Disbursement Center, 14925 Kingsport Road, Fort Worth, TX 76155.

The filing deadline to return applications for physical property damage is Dec. 17, 2021. The deadline to return economic injury applications is July 18, 2022.                  


Contact your insurance company to understand what damage is covered by your policy. 

If you have any questions, or require any assistance working with your insurance company, please contact the Maryland Insurance Administration at 1-800-492-6116.


Once you have assessed the damage to your property, interview licensed contractors and hire one to conduct the work. They will draw up plans and give you an estimate for the time it will take to complete the work.

The City of Annapolis will expedite permits for tornado damage. Tell your contractor to inform the permit office that the damage is tornado-related. 

The contractor will apply for a permit with the City of Annapolis. Permit fees are waived for tornado-related damage. 

Once the contractor has received permit approval, construction can begin. 

For more information, contact the Department of Planning and Zoning at 410-260-2200.

Business Counseling

The Office of Economic Development works with two partners that provide free counseling services to local businesses. These organizations can assist businesses going through the disaster recovery process and help them plan for reopening. 

Small Business Development Center - 410-222-4476 

SCORE Southern Maryland -  410-266-9553

Tax Extension 

The Comptroller of Maryland has extended due dates for a variety of tax and motor fuel payments for businesses and emergency responders in Anne Arundel County affected by the storm.

Anne Arundel County businesses with questions about motor fuel extensions can email Chuck Elm at For other tax-related questions, individuals may call 410-260-7980 (from Central Maryland) or 1-800-MD-TAXES, or email Businesses may call the Tax Practitioner Hotline at 410-260-7424.  

Additional Resources

If any business is looking to relocate following damage done to their existing site, Project Restore offers grants to businesses locating to a property previously vacant for a least six months.   

Businesses installing or upgrading sprinklers as part of their construction may be able to apply for the City's Sprinkler Assistance Fund, a low-interest loan that supports installation of sprinklers.