If you live in Tennessee—or certain other states impacted by recent natural disasters, you now have more time to file your federal taxes. The IRS has granted an automatic extension until November 3, 2025 for taxpayers in federally declared disaster areas.

Who Qualifies for the Extension?

You don’t have to be a business owner to qualify. The extension applies to all taxpayers, including:

Individuals with W-2 income
Freelancers and gig workers
Small business owners and sole proprietors
Nonprofits and corporations

As long as your address (home or business) is located in one of the affected counties, the IRS automatically grants you this extra time. No need to file for an extension.

States with Extended Deadlines

As of now, the following states have received IRS tax relief with extended deadlines:

Tennessee: All 95 counties qualify for relief due to severe storms and flooding that began on April 2, 2025. The new deadline is November 3, 2025.
Arkansas: The entire state qualifies for relief due to severe storms, tornadoes, and flooding that began on April 2, 2025. The new deadline is November 3, 2025.
Kentucky: The entire state qualifies for relief due to severe storms, straight-line winds, flooding, and landslides that began on February 14, 2025. The new deadline is November 3, 2025.
West Virginia: Mercer County qualifies for relief due to Post-Tropical Cyclone Helene that began on September 25, 2024. The new deadline is May 1, 2025.
California: Los Angeles County qualifies for relief due to wildfires and straight-line winds that began on January 7, 2025. The new deadline is October 15, 2025.
Florida: The entire state qualifies for relief due to Hurricane Milton that began on October 5, 2024. The new deadline is May 1, 2025.
Alabama, Georgia, North Carolina, South Carolina, and Virginia: Various areas in these states qualify for relief due to Hurricanes Helene and Milton that began on September 26, 2024. The new deadline is May 1, 2025.
Alaska: The City and Borough of Juneau qualify for relief due to flooding that began on August 5, 2024. The new deadline is May 1, 2025.
New Mexico: Chaves County qualifies for relief due to storms and flooding that began on October 19, 2024. The new deadline is May 1, 2025.

To check if your area is included, visit the IRS Disaster Relief page.

What’s Covered in the Extension?

This extended deadline applies to:

2024 individual income tax returns
Business returns (LLCs, S Corps, etc.)
Quarterly estimated payments
Quarterly payroll and excise tax filings
IRA and HSA contributions
Information returns like 1099s or W-2s (if due after the disaster start date)

If your original federal deadline fell within the specified disaster period for your state, it's now automatically extended.

What You Should Do Now

Even though the deadline is extended, it’s smart to act early:

1. Get organized. Start gathering documents, receipts, and income records.
2. Plan your payment. Set aside funds if you expect to owe.
3. Don’t delay your refund. File early if you’re owed money or need your return for financing.