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Nov. 3 is filing deadline for taxpayers in 9 disaster-struck states

October 31, 2025

It’s Halloween, but some folks across the United States got real scares earlier this year from inclement weather that reached major disaster levels.

That meant that they, both business owners and individuals, got tax relief from the Internal Revenue Service. A key part of the IRS’ tax grace was more time to meet tax deadlines that occurred during or near the horrific weather that affected their areas.

But now these storm-struck taxpayers in nine states are facing another frightening situation.

Their extended deadline to file, and make other tax-related moves, is next Monday, Nov. 3.

In Arkansas and Tennessee, everyone in the state was granted more time to file.

Next week’s impending deadline applies to certain Missouri taxpayers who were struck by two separate storms, one in March and another in May.

The remaining disaster-affected taxpayers facing the Nov. 3 due date are in parts of Kentucky, Mississippi, Oklahoma, Texas, Virginia, and West Virginia.

Below are some highlights of the disasters, which were declared by the Federal Emergency Management Agency (FEMA), and which then prompted the IRS decisions to grant tax relief to the affected taxpayers.

Arkansas: All of the taxpayers in the Natural State’s 75 counties qualify for federal disaster tax relief. The state was raked by severe storms, tornadoes, and flooding that began on April 2, 2025. The tax relief postpones various tax filing and payment deadlines that occurred from April 2 through the new Nov. 3 deadline. More details are available in the IRS announcement.

Kentucky: IRS granted tax relief to certain Bluegrass State taxpayers impacted by severe storms, straight-line winds, flooding, and landslides that began on Feb. 14, 2025.

These taxpayers have until Nov. 3 to file various federal individual and business tax returns and make tax payments. The specific taxes that have this new deadline can be found in the IRS announcement.

Mississippi: Weather systems that produced severe storms, straight-line winds, tornadoes, and flooding struck parts of the Magnolia State beginning on March 14, 2025. As a result, the IRS granted affected Mississippi individuals and businesses until Nov. 3 to file returns and pay any taxes that were originally due during this period. That due date applies to individual income tax returns and payments that normally were due on April 15 and more. You can find additional information in the IRS announcement.

Missouri: Show Me State residents were presented with more bad weather than they want to see earlier this year. The weather led to two separate FEMA disaster declarations and subsequent IRS tax relief, including the new Nov. 3 filing deadline.

The first was severe storms, straight-line winds, tornadoes, and wildfires that began on March 14, 2025. More details are available in this storm’s IRS relief announcement.

Then on May 16, 2025, another round of severe storms, straight-line winds, tornadoes, and flooding battered more of Missouri. Taxpayers in these areas, detailed in that second IRS announcement, also were granted the Nov. 3 deadline among other tax relief.

Oklahoma: Some Sooner State taxpayers got a later Nov. 3 filing due date to accommodate wildfires and straight-line winds that began on March 14, 2025. The new deadline applies to individual income tax returns and payments normally due on April 15, and more. Additional details can be found in the IRS announcement.

Tennessee: All Volunteer State taxpayers qualify for disaster tax relief in connection with severe storms, straight-line winds, tornadoes, and flooding that began on April 2, 2025. As in other states, next week’s deadline for taxpayers in Tennessee’s 95 counties includes the filing of individual income tax returns and payments that normally were due on April 15. More details are available in the IRS announcement.

Texas: Severe storms that started on March 26, 2025, and subsequently produced flooding led the IRS to provide tax relief for affected Lone Star State individuals and businesses. The affected taxpayers were given until Nov. 3 to file tax returns and pay any taxes that were originally due during this period, including (but not limited to) individual filings due on April 15. More details are available in the IRS announcement.

Virginia: On Feb. 10, 2025, severe winter storms and flooding struck parts of the parts of the Old Dominion. The IRS, following the FEMA declaration, granted affected taxpayers until Nov. 3 to file various federal individual and business tax returns and make tax payments. More on which Virginia taxpayers qualify for this extended deadline can be found in the IRS announcement.

West Virginia: Some Mountain State residents were granted tax relief, including the delayed Nov. 3 deadline, after severe storms, straight-line winds, flooding, landslides, and mudslides began in parts of West Virginia on Feb. 15, 2025. More on the disaster-affected areas can be found in the IRS announcement.

Disaster-affected taxpayers in these nine states can find more, along with other disaster/tax information, at IRS.gov’s Tax relief in disaster situations page.

If you’re not a taxpayer in one of these nine states, enjoy tonight’s spooky festivities and your post-Halloween weekend. But remember, disasters can strike anywhere, any time. So, you might want to bookmark the IRS page, too, as well as be prepared for whatever natural disaster is common in your area.

When the ol’ blog’s new website is up (we’re getting there!), I’ll come back and post the link to my storm preparation items.

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The More Tax Posts tab at the top of this page will take you to, well, more tax posts. You also can search below for a tax topic. 

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TO WRAP UP 2026

It’s over! With October’s extended filing deadline behind us, it is now time to focus on year-end moves to reduce your 2026 tax bill. 

You’ll find ways to do just that on the Tax Tips page (see the More Tax Posts drop-down menu at the top of the blog), as well as the separate tax tip pages for each month, notably October through December. If you’re on the Tax Tips page, you’ll find a monthly list at the end of this column. If you’re on another blog page, you can head straight to the October tips; at the bottom of that tips page you’ll find links to all the other 11 months’ collections of tax advice.

Not to spoil what you’ll find in that tax advice, but it does cover such things as tax deductions for charitable donations, investment moves that could reduce tax due, and ways to max out your tax-favored retirement savings. 

Finally, as the year winds down, things get hectic. There are lots of other things to occupy our time, like the much more fun upcoming holidays. But don’t lose sight of taxes, since timing is key. To be of use, most tax moves must be made by the end of the tax year. That’s Thursday, Dec. 31, which also is the last business day of the year. 

So that you don’t miss that final tax year deadline, also keep an eye on the countdown clock below. It will keep you on top of just how much time is left to make important, tax-saving moves. (Note: I’m in the Central Time Zone, so adjust accordingly for where you live.)

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