Overview
Due to severe winter storms, straight-line winds and flooding in Tennessee, FEMA has declared the following counties a disaster.
Incident Period: January 22, 2026 – January 27, 2026
| State | FEMA Disaster Declaration | County |
| Tennessee | 02/06/2026 | Benton, Carroll, Cheatham, Chester, Clay, Davidson, Decatur, Dickson, Dyer, Fayette, Hardeman, Hardin, Henderson, Hickman, Lewis, Macon, Madison, Maury, McNairy, Montgomery, Perry, Robertson, Rutherford, Shelby, Sumner, Trousdale, Wayne, Williamson and Wilson. |
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 – 1/27/2026 |
| FHA Streamline | No | Not applicable |
| VA Full Doc | Yes | If the original appraisal inspection date was prior to the Incident Period End Date – 1/27/2026 |
| VA IRRRL | Yes | If the loan was not closed (signed) prior to the Incident Period Begin Date – 1/27/2026 |
| USDA Full Doc and Streamline Assist | Yes | If the original appraisal inspection date was prior to the Incident Period End Date – 1/27/2026 |
| Conventional | Yes | If the original appraisal inspection date was prior to the Incident Period End Date – 1/27/2026 |
| Non-Agency | Yes | If the original appraisal inspection date was prior to the Incident Period End Date – 1/27/2026 |
Contacts
Please contact CorrespondentRM@carringtonms.com with any questions.
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