PIERRE, S.D. — Farmers in four South Dakota counties may be eligible for emergency loans through the U.S. Department of Agriculture Farm Service Agency.

Producers in Brown and McPherson counties are eligible to apply for emergency loans if they suffered losses due to excessive snow, moisture and flooding that occurred Jan. 1, 2019, through Dec. 6, 2019.

Producers who suffered losses because of excessive moisture and flooding since July 20, 2019, in Marshall and Roberts counties can also apply for the emergency loans.

The deadline to apply for these emergency loans is Oct. 28. The Farm Service Agency considers each loan based on the extent of losses, security available and repayment ability.

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.

The loans are only available to farmers and ranchers who own or operate land located in the county designated as a disaster area or quarantine area, are established family farm operators and have sufficient farming or ranching experience, have suffered at least a 30% loss in crop production or physical loss to livestock, livestock products, real estate or chattel property, have an acceptable credit history and are unable to receive credit from commercial sources, according to a fact sheet available on the USDA's website.

Producers can borrow up to 100% of actual production or physical losses up to a maximum amount of $500,000.