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Hurricane Disaster Announcement

Properties located in FEMA declared disaster areas with Individual Assistance requires the following guidelines be met. These areas can be identified on the FEMA website: https://www.fema.gov/disasters.

Conforming Loans

  • An exterior Catastrophic Disaster Area Inspection Report (CDAIR) of the subject property performed by an appraiser is required.
  • Loans previously approved without an appraisal will require an exterior and interior Catastrophic Disaster Area Inspection Report (CDAIR).

Non-Conforming and Government Loans

  • An exterior and interior Catastrophic Disaster Area Inspection Report (CDAIR) of the subject property performed by an appraiser is required.

Note: A 1004D Disaster Inspection Report can be ordered in lieu of a Catastrophic Disaster Area Inspection Report (CDAIR) if applicable.

Appraisals Completed Prior to Disaster

  • Appraiser must comment if the subject property is free from damage, is in the same condition from previous inspection and there has been no change in the valuation.
  • Inspection report must include photographs of the subject property and street view.
  • Any damage must be repaired and re-inspected prior to closing.

Appraisals Completed After Disaster Event

  • Appraiser must comment of the adverse event and certify that there has been no change in the valuation.
  • Any existing damage noted from the original report must be repaired and re-inspected prior to closing.

Guidelines for disaster areas should be followed for 90-days from the disaster period end date.

INDIVIDUAL ASSISTANCE – HURRICANE HARVEY

The Federal Emergency Management Agency (FEMA) announced that federal disaster aid with individual assistance has been made available to supplement individual, state, and local recovery efforts in the areas affected by Hurricane Harvey:

#

Texas Counties with Individual Assistance

DR Number

FEMA Notice Date

1

Aransas

DR-4332

08/27/2017

2

Austin

DR-4332

09/04/2017

3

Bastrop

DR-4332

09/04/2017

4

Bee

DR-4332

08/25/2017

5

Brazoria

DR-4332

08/27/2017

6

Calhoun

DR-4332

08/27/2017

7

Chambers

DR-4332

08/27/2017

8

Colorado

DR-4332

08/30/2017

9

DeWitt

DR-4332

09/04/2017

10

Fayette

DR-4332

08/30/2017

11

Fort Bend

DR-4332

08/27/2017

12

Galveston

DR-4332

08/27/2017

13

Goliad

DR-4332

08/25/2017

14

Gonzales

DR-4332

09/04/2017

15

Hardin

DR-4332

08/30/2017

16

Harris

DR-4332

08/27/2017

17

Jackson

DR-4332

08/27/2017

18

Jasper

DR-4332

08/30/2017

19

Jefferson

DR-4332

08/30/2017

20

Karnes

DR-4332

09/04/2017

21

Kleberg

DR-4332

08/25/2017

22

Lavaca

DR-4332

09/04/2017

23

Lee

DR-4332

09/04/2017

24

Liberty

DR-4332

08/27/2017

25

Matagorda

DR-4332

08/27/2017

26

Montgomery

DR-4332

08/30/2017

27

Newton

DR-4332

08/30/2017

28

Nueces

DR-4332

08/25/2017

29

Orange

DR-4332

08/30/2017

30

Polk

DR-4332

09/01/2017

31

Refugio

DR-4332

08/25/2017

32

Sabine

DR-4332

08/30/2017

33

San Jacinto

DR-4332

08/30/2017

34

San Patricio

DR-4332

08/25/2017

35

Tyler

DR-4332

09/01/2017

36

Victoria

DR-4332

08/27/2017

37

Walker

DR-4332

09/01/2017

38

Waller

DR-4332

08/30/2017

39

Wharton

DR-4332

08/27/2017

INDIVIDUAL ASSISTANCE – HURRICANE IRMA

The Federal Emergency Management Agency (FEMA) announced that federal disaster aid with individual assistance has been made available to supplement individual, state, and local recovery efforts in the areas affected by Hurricane Irma:

#

Florida Counties with Individual Assistance

DR Number

FEMA Notice Date

1

Alachua

DR-4337

09/14/2017

2

Baker

DR-4337

09/14/2017

3

Bradford

DR-4337

09/14/2017

4

Brevard

DR-4337

09/13/2017

5

Broward

DR-4337

09/11/2017

6

Charlotte

DR-4337

09/10/2017

7

Citrus

DR-4337

09/13/2017

8

Clay

DR-4337

09/11/2017

9

Collier

DR-4337

09/10/2017

10

Columbia

DR-4337

09/14/2017

11

DeSoto

DR-4337

09/13/2017

12

Dixie

DR-4337

09/16/2017

13

Duval

DR-4337

09/11/2017

14

Flagler

DR-4337

09/11/2017

15

Gilchrist

DR-4337

09/14/2017

16

Glades

DR-4337

09/13/2017

17

Hardee

DR-4337

09/13/2017

18

Hendry

DR-4337

09/13/2017

19

Hernando

DR-4337

09/13/2017

20

Highlands

DR-4337

09/13/2017

21

Hillsborough

DR-4337

09/10/2017

22

Indian River

DR-4337

09/13/2017

23

Lafayette

DR-4337

09/16/2017

24

Lake

DR-4337

09/13/2017

25

Lee

DR-4337

09/10/2017

26

Levy

DR-4337

09/14/2017

27

Manatee

DR-4337

09/10/2017

28

Marion

DR-4337

09/13/2017

29

Martin

DR-4337

09/13/2017

30

Miami-Dade

DR-4337

09/10/2017

31

Monroe

DR-4337

09/10/2017

32

Nassau

DR-4337

09/14/2017

33

Okeechobee

DR-4337

09/13/2017

34

Orange

DR-4337

09/13/2017

35

Osceola

DR-4337

09/13/2017

36

Palm Beach

DR-4337

09/11/2017

37

Pasco

DR-4337

09/13/2017

38

Pinellas

DR-4337

09/10/2017

39

Polk

DR-4337

09/13/2017

40

Putnam

DR-4337

09/11/2017

41

Sarasota

DR-4337

09/10/2017

42

Seminole

DR-4337

09/13/2017

43

St. Johns

DR-4337

09/11/2017

44

St. Lucie

DR-4337

09/13/2017

45

Sumter

DR-4337

09/13/2017

46

Suwannee

DR-4337

09/14/2017

47

Union

DR-4337

09/14/2017

48

Volusia

DR-4337

09/13/2017

#

Georgia Counties with Individual Assistance

DR Number

FEMA Notice Date

1

Camden

DR-4338

09/15/2017

2

Chatham

DR-4338

09/15/2017

3

Glynn

DR-4338

09/15/2017