Hurricane Isaias Recovery Resources
Here to Help You Recover
When a storm impacts your home, your family or your finances, figuring out what comes next can feel overwhelming. PenAir is here to help you take those next steps.
Whether you need help with a PenAir loan, have questions about insurance documents related to your mortgage, need access to financial assistance or are looking for trusted recovery resources, you’ll find information here to help you move forward.
You don’t have to navigate recovery alone. We’re here to help.
OPERATIONAL UPDATES – October 14, 2026
- All PenAir branches have reopened, with limited staffing
- Milton Drive thru remains closed due to damage
- Our Member Service Center and Virtual Branch are available.
- LIVE Tellers are available at many locations, but some machines remain temporarily out of service.
- The freestanding LIVE Tellers at Garden Street and Whiting Field will not yet operational.
With limited staffing and limited open locations, members may experience longer than normal wait times. We appreciate your patience as out teams continue recovery efforts and work to help everyone.
Remember, Digital Banking tools, PenAir Mobile App, and ATMS are always available.
Emergency Relief Loan
Recovery often comes with unexpected expenses. PenAir’s Emergency Relief Loan is available to help eligible members impacted by Hurricane Isaias manage those immediate financial needs.
- Borrow up to $5,000, based on eligibility
- Terms up to 24 months
- Up to 90 days before your first payment
- Apply online, at a PenAir branch or through our Member Service Center
Members must have established their PenAir membership on or before October 9, 2026. Additional eligibility requirements, underwriting terms, restrictions and conditions may apply.
Loan Payment Assistance
If the storm has affected your ability to make a payment, talk to us.
We understand that recovery can put additional strain on your budget. If Hurricane Isaias has affected your ability to make a payment on an existing PenAir loan, reach out and let us know.
We’ll work with you to understand your circumstances and discuss assistance that may be available. To get started, give us a call, make an appointment, or stop by a branch.
Scam Awareness
Storm recovery can bring out the best in our communities, but it can also create opportunities for scammers. Be cautious of unexpected calls, texts, emails or visits from individuals claiming to represent financial institutions, government agencies, insurance companies, contractors or relief organizations.
Pause. Don’t let urgency pressure you into making a quick decision.
Verify. Independently confirm who you’re communicating with before sending money or sharing information.
Protect. Never provide passwords, verification codes or sensitive account information to someone you don’t know or trust.
When something doesn’t feel right, stop and verify before taking the next step.
Other Questions
Have Other Questions or Need Help?
Recovery looks different for everyone. Not sure where to start? That’s okay. Whether you have questions about your PenAir accounts, have damage to vehicle, house, or property, or want to know more about available assistance or other recovery needs, our team can help connect you with the right information and resources.
Get Started
Schedule an appointment, stop by any branch, or give us a call at 850.505.3200 or 1.877.473.6247 (877.4PENAIR)
LOCAL RESOURCES
Help Beyond PenAir
Recovery needs can extend beyond financial assistance. Local, state and community organizations are providing resources to help individuals and families affected by Hurricane Isaias, including food and essential supplies, housing assistance, cleanup resources and other recovery support.
Availability can change as recovery efforts continue, so we encourage you to contact the organization or visit its website for the latest information before traveling to a resource location.
In addition to this list, CatCountry 98.7 has a great list available on their website as well and as been keeping the community up to date throughout the storm recovery.
211 Northwest Florida
A free, confidential service connecting individuals and families with local resources. Call: 211
Santa Rosa County Hurricane Isaias Resources
Santa Rosa County’s dedicated recovery page with current information about points of distribution, food, water, tarps and other community resources.
Okaloosa County Recovery Resources
Okaloosa County’s Emergency Operations Center provides post-storm information, including damage reporting, debris information and disaster-assistance resources. Multi-Agency Resource Centers are also operating in Fort Walton Beach and Crestview for Hurricane Isaias recovery
Florida Hurricane Isaias Resources
The State of Florida is directing residents to FloridaDisaster.org for recovery information and assistance available through state and local partners.
American Red Cross
The American Red Cross provides disaster assistance and recovery resources. The Northwest Florida location is in Pensacola.
Call: 1-800-RED-CROSS (1-800-733-2767)
Baldwin County, Alabama
The county lists its EMA Call Center at 251-972-6807 and an unmet-needs contact through Baldwin County VOAD.
Frequently Asked Questions
The Emergency Relief Loan is available to eligible PenAir members impacted by Hurricane Isaias whose membership was established on or before October 9, 2026. Additional eligibility and underwriting requirements apply.
Eligible members may borrow up to $5,000. The amount available is determined by credit tier and other eligibility requirements.
Contact PenAir and let us know. We are working with members impacted by the storm to understand their individual circumstances and determine what assistance may be available.
That wording reflects today’s guidance that PenAir plans to work with impacted members on emergency deferments. Currently, frontline staff are referring member information to Credit Resolution for direct follow-up.
Scammers are really good at impersonating financial institutions, so be cautious. PenAir will never ask for your PIN or password. If something feels off, better to be safe. Pause. Verify. Protect.
Hang up and call a number you know to be for PenAir or whatever organization.
The PenAir Mortgage team can help you review assistance options for your mortgage or home-equity loan. Please contact the Mortgage team for guidance based on your specific situation.
PenAir does not contact members directly to offer hurricane assistance, and we will never ask for personal or account details through an unsolicited call, text, or email. Please end the communication and contact PenAir through a trusted channel so we can help verify it.