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Disaster Unemployment Assistance in Texas (2025 Guide)

Natural disasters don’t just damage homes—they can destroy jobs too. Whether it’s a hurricane on the Gulf Coast, a wildfire in West Texas, or unexpected flooding, losing income after a disaster can put you in survival mode.

That’s where Disaster Unemployment Assistance (DUA) comes in.

If you live or work in Texas and a disaster has impacted your ability to earn a living, this guide explains what DUA is, who qualifies, how to apply, and what to expect in 2025.

What Is Disaster Unemployment Assistance (DUA)?

DUA is a federal program administered by the Texas Workforce Commission (TWC) that provides temporary income to workers who lost their jobs—or can’t work—because of a declared disaster.

It’s different from regular unemployment. Even self-employed individuals, gig workers, and farmers may qualify for DUA if the disaster has directly impacted their ability to work.

When Is DUA Available in Texas?

DUA becomes available when:

• The President declares a major disaster, and

• The disaster declaration includes individual assistance for affected counties in Texas

Common triggering events include:

• Hurricanes

• Tornadoes

• Wildfires

• Flooding

• Widespread winter storms

Who Is Eligible for DUA?

You may qualify for DUA if you:

• Lost your job due to the disaster

• Are self-employed and your business was damaged or shut down

• Can’t reach your job due to disaster-related road closures or conditions

• Can’t work because of an injury caused by the disaster

• Became the breadwinner because the head of household died due to the disaster

You must not qualify for regular unemployment benefits to apply for DUA.

How Much Does DUA Pay?

DUA benefits are calculated based on your prior earnings, similar to regular unemployment. The exact amount will vary, but Texas sets a minimum and maximum weekly benefit.

In 2025, expect the range to be about $93 to $577 per week depending on your earnings history.

Payments can last up to 26 weeks, but coverage ends when the disaster declaration expires.

How to Apply for DUA in Texas

1. Wait for your county to be included in a federal disaster declaration

2. Apply online at twc.texas.gov or call the TWC Tele-Center

3. Submit proof of employment or self-employment (e.g., pay stubs, 1099s, business licenses)

4. File weekly claims to keep receiving benefits

⚠️ There’s usually a 30-day deadline to apply once the disaster is declared. Don’t delay.

Real-Life Example: DUA After a Hurricane

“Monica,” a salon owner in Corpus Christi, had to shut down for weeks after a hurricane flooded her business. Her tools were ruined, clients vanished, and she had no income.

Since she was self-employed and the area was part of a federal disaster zone, Monica applied for DUA through the Texas Workforce Commission. She was approved and received temporary payments while she rebuilt her business.

Can I Still Work While Receiving DUA?

Yes—but your benefits will be reduced based on earnings. You must report all income when filing your weekly claims.

If you return to full-time work, or your business resumes normal operations, DUA benefits will stop.

What If My DUA Claim Is Denied?

You can appeal the decision through the TWC. Common reasons for denial include:

• Missing documentation

• Filing too late

• Already qualifying for regular unemployment

An employment lawyer can help you fight an unfair denial—especially if your situation falls into a gray area.

Final Takeaway

Disasters can wipe out your paycheck—but not your rights.

If you’ve lost work due to a federally declared disaster in Texas, Disaster Unemployment Assistance may help you bridge the gap until you’re back on your feet.

Apply quickly, gather your proof of employment, and don’t hesitate to ask questions. Financial relief may be closer than you think.