IRS Tax Deadlines Extended for Disaster-Affected States in 2025—Are You Eligible?

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If you live in Texas, Kentucky, California, or another state affected by recent storms, tornadoes, or flooding, the IRS just gave you a major break: tax deadlines for 2024 filings are now extended to November 1, 2025.

This extension gives individuals and businesses more time to file tax returns, make payments, and even contribute to HSAs without facing penalties — but only if you qualify.

Here’s everything you need to know about the IRS extension for disaster-affected states, how to check eligibility, and what to do if you’re behind.

Who Qualifies for the IRS Disaster Deadline Extension?

As of mid-2025, the IRS has extended tax deadlines for areas declared federal disaster zones due to:

• Severe storms
• Tornadoes
• Flooding
• Mudslides and wildfires

The November 1, 2025 deadline applies to individuals and businesses located in designated disaster areas. These include—but may not be limited to—parts of:

• Texas
• Kentucky
• California

To check if your area qualifies, review the official IRS disaster relief notices or contact your local tax authority.

What Tax Forms and Payments Are Covered?

The IRS extension applies to a wide range of filings and payments that were originally due between March and October 2025. Covered items include:

• 2024 individual income tax returns (originally due April 15, 2025)
• Quarterly estimated tax payments (due April 15, June 17, and Sept 16)
• Business tax filings, including partnerships and corporations
• Payroll and excise tax returns
• IRA and HSA contributions for tax year 2024 (more below)

This extra time can help you avoid penalties or interest — but only if you file or pay by Nov 1, 2025.

If you’ve already fallen behind, our IRS Back Tax Full Pay Service can help you settle what you owe before the deadline hits.

HSA & IRA Contribution Deadline Extended

One often-overlooked benefit of the IRS disaster relief extension is the updated deadline for making contributions to Health Savings Accounts (HSAs) and IRAs for tax year 2024.

Instead of the usual April 15 cutoff, residents in qualified areas can now make 2024 contributions up to November 1, 2025 and still claim the deduction on their 2024 tax return.

This gives families a unique opportunity to boost retirement and healthcare savings while staying compliant.

What If You Already Missed Your Deadlines?

If you’re outside the disaster zones or already past the original deadlines, don’t panic. You may still be able to avoid or reduce penalties through options like:

• Penalty Abatement Help
• IRS Payment Plans
• Offer in Compromise Programs

The key is to act quickly. The longer you wait, the more interest and penalties can stack up.

The IRS extension to November 1, 2025, offers welcome relief to those affected by devastating weather events across the U.S. It gives individuals and businesses time to regroup, recover, and stay tax compliant.

If you’re unsure whether you qualify — or you’re already behind — Priority Tax Relief can help you navigate your next steps, settle tax debt, and avoid costly penalties.