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Announcement 21-0015: FEMA Disaster Declaration for Kentucky Severe Storms, Flooding, Landslides and Mudslides

April 27, 2021


Due to damage from Severe Storms, Flooding, Landslides and Mudslides in Kentucky, FEMA has declared the following counties a disaster.

Incident Period: February 27, 2021 - March 14, 2021

State FEMA Disaster Declaration Counties
Kentucky April 23, 2021 Breathitt, Clay, Estill, Floyd, Johnson, Lee, Magoffin, Martin and Powell

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 3/14/21.
FHA Streamline No Not applicable
VA Full Doc and IRRRL Yes If the loan was not closed (signed) prior to the Declaration Date of 4/23/21.
Conventional* and Non-Agency Yes If the original appraisal inspection date was prior to the Incident Period End Date of 3/14/21.

*If an appraisal was not required due to a property inspection waiver (PIW), an inspection report will still be required.

For further guidance and loan property requirements refer to the Declared Disaster Policy published on


Please contact with any questions.

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