; (2) expected economic benefits, including job creation; and (3) expected environmental benefits. 1004. Community disaster loans (a) Treatment as State and local governments Notwithstanding section 102 of the Robert T. Stafford Disaster Relief and Emergency Assistance Act ( 42 U.S.C. 5122 ), for purposes of assistance under section 417 of the Robert T. Stafford Disaster Relief and Emergency Assistance Act ( 42 U.S.C. 5184 ), with respect to a covered disaster— (1) Puerto Rico and the Virgin Islands shall be deemed to be local governments