Updated FEMA Disaster Declaration for Louisiana

September 10, 2020rashtonBulletin

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.