FEMA Disaster Declaration - Michigan
July 6, 2026
Overview
Due to severe storms, tornadoes and flooding in Michigan, FEMA has declared the following counties a disaster.
Incident Period: April 9, 2026 – April 20, 2026
| State | FEMA Disaster Declaration | County |
| Michigan | 06/29/2026 | Alcona, Allegan, Alpena, Antrim, Barry, Benzie, Charlevoix, Cheboygan, Crawford, Emmet, Grand Traverse, Gratiot, Iosco, Kalamazoo, Manistee, Mecosta, Montcalm, Muskegon, Newaygo, Oceana, Osceola, Presque Isle, Roscommon, Saginaw, Washtenaw, and Wexford |
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 – 04/20/2026 |
| FHA Streamline | No | Not applicable |
| VA Full Doc | Yes | If the original appraisal inspection date was prior to the Incident Period End Date – 04/20/2026 |
| VA IRRRL | Yes | If the loan was not closed (signed) prior to the Incident Period Begin Date – 04/09/2026 |
| USDA Full Doc and Streamline Assist | Yes | If the original appraisal inspection date was prior to the Incident Period End Date – 04/20/2026 |
| Conventional | Yes | If the original appraisal inspection date was prior to the Incident Period End Date – 04/20/2026 |
| Non-Agency | Yes | If the original appraisal inspection date was prior to the Incident Period End Date – 04/20/2026 |
Contacts
Please contact your Account Executive or Account Manager with any questions.
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