FEMA Disaster Declaration for Kentucky Severe Storms, Straight-Line Winds, Flooding, and Tornadoes
December 13, 2021
Overview
Due to severe storms, straight-line winds, flooding, and tornadoes in Kentucky, FEMA has declared the following counties a disaster.
Incident Period: December 10, 2021 and continuing
| State | FEMA Disaster Declaration | Counties |
| Kentucky | December 12, 2021 | Caldwell, Fulton, Graves, Hopkins, Marshall, Muhlenberg, Taylor, and Warren |
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 – Continuing*. |
| FHA Streamline | No | Not applicable |
| VA Full Doc and IRRRL | Yes | If the loan was not closed (signed) prior to the Declaration Date of 12/12/2021. |
| USDA Full Doc and Streamline Assist | Yes | If the original appraisal inspection date was prior to the Incident Period End Date – Continuing*. |
| Conventional** and Non-Agency | Yes | If the original appraisal inspection date was prior to the Incident Period End Date – Continuing*. |
*In cases where FEMA has not yet issued an Incident End Date and the disaster is “Continuing”, the earliest CMS will permit a re-inspection is a minimum of 14 calendar days from the Incident Period Start Date.
**If an appraisal was not required due to a property inspection waiver (PIW), an inspection report will still be required.
Contacts
Please contact your Account Executive or Account Manager with any questions.
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