Overview
Due to severe storms, straight-line winds and flooding in Texas, FEMA has declared the following counties a disaster. Updated counties are listed in bold.
Incident Period: July 2, 2025 - July 18, 2025
| State | FEMA Disaster Declaration | Counties |
| Texas | 07/06/2025 | Burnet, Guadalupe, Kerr, Kimble, McCulloch, Menard, San Saba, Tom Green, Travis, and Williamson |
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 – 07/18/2025. |
| FHA Streamline | No | Not applicable |
| VA Full Doc | Yes | If the original appraisal inspection date was prior to the Incident Period End Date – *Continuing. |
| VA IRRRL | Yes | If the loan was not closed (signed) prior to the Incident Period Begin Date – 7/18/2025. |
| USDA Full Doc and Streamline Assist | Yes | If the original appraisal inspection date was prior to the Incident Period End Date – 7/18/2025. |
| Conventional | Yes | If the original appraisal inspection date was prior to the Incident Period End Date – 7/18/2025. |
| Non-Agency | Yes | If the original appraisal inspection date was prior to the Incident Period End Date – 7/18/2025. |
*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.
Contacts
Please contact CorrespondentRM@carringtonms.com with any questions.
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