Updated FEMA Disaster Declaration for Louisiana
September 10, 2020
Overview
Due to Hurricane Laura in Louisiana, FEMA has declared the following counties (parishes) a disaster. Additional FEMA declared counties are shown in bold.
Incident Period: August 22, 2020 – August 27, 2020
| State | FEMA Disaster Declaration | Counties |
| Louisiana | August 28, 2020 | Acadia, Allen, Beauregard, Calcasieu, Cameron, Grant, Jackson, Jefferson Davis,Lincoln, Morehouse, Natchitoches, Ouachita, Rapides, Sabine, Union, Vermilion, Vernon and Winn |
Please note:
- If an appraisal was completed prior to the incident date of the disaster, a re-inspection will be required.
- If an appraisal was not required due to a property inspection waiver (PIW) or product type (i.e., USDA Streamline Assist/Conventional loan with PIW), an inspection report may still be required.
- For product-specific requirements, refer to the applicable program details in the
“Re-Inspection by Product Type” table below.
When product-specific requirements apply, an inspection will be required up to and including 90 days from the date the natural disaster occurred, prior to the Note date.
Re-Inspection by Product Type
| If your loan is … | A re-inspection is required … | Under these circumstances … |
| FHA Full Doc | Yes | If the original appraisal inspection date was prior to the Incident Period End Date of 8/27/2020. |
| FHA Streamline | No | Not applicable |
| VA Full Doc and IRRRL | Yes | If the loan was not closed (signed) prior to the Declaration Date of 8/28/2020. |
| USDA Full Doc and Streamline Assist | Yes | If the original appraisal inspection date was prior to the Incident Period End Date of 8/27/2020. |
| Conventional | Yes | If the original appraisal inspection date was prior to the Incident Period End Date of 8/27/2020. |
For further guidance and loan property requirements refer to the CMS “Declared Disaster Policy” which is published on at: Declared Disaster Policy.
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