Individual Assistance declarations: where 0% down 203(h) may be available
Last checked September 26, 2026. Disaster declarations and designated areas change — always confirm current status with FEMA and with Matthew.
Declaration dates are from FEMA's data and may differ by a day or two from press-release dates; confirm with Matthew.
| DR # | State / area | Incident | Declared | Individual Assistance areas | Status | Approx. 203(h) window | Page |
|---|---|---|---|---|---|---|---|
| DR-4911 | Arizona — San Carlos Apache Tribe | Severe storms and flooding (Oct 10–13, 2025) | May 29, 2026 | San Carlos Indian Reservation | Active — Individual Assistance | About one year from declaration (≈ May 29, 2027) | Tribal declaration |
| DR-4914 | Montana — Fort Peck Tribes | Severe winter storm and straight-line winds (Dec 17–18, 2025) | May 29, 2026 | Fort Peck Indian Reservation | Active — Individual Assistance | About one year from declaration (≈ May 29, 2027) | Tribal; FEMA data shows Housing Assistance only |
| DR-4915 | Montana — Crow Tribe | Severe winter storm and straight-line winds (Dec 17–19, 2025) | May 29, 2026 | Crow Indian Reservation | Active — Individual Assistance | About one year from declaration (≈ May 29, 2027) | Tribal declaration |
| DR-4922 | Mississippi | Severe storms, straight-line winds, tornadoes, flooding (May 6–7, 2026) | June 30, 2026 | Franklin, Lamar, Lawrence, Lincoln, Wilkinson | Active — Individual Assistance | About one year from declaration (≈ June 30, 2027) | State guide |
| DR-4923 | Wisconsin | Severe storms, tornadoes, flooding (Apr 13–23, 2026) | June 30, 2026 | Bayfield, Brown, Buffalo, Jackson, Jefferson, Juneau, Kenosha, Manitowoc, Marathon, Milwaukee, Outagamie, Racine, Rock, Sauk, Vernon, Washington, Waukesha, Waupaca, Winnebago, Oneida Indian Reservation | Active — Individual Assistance | About one year from declaration (≈ June 30, 2027) | State guide |
| DR-4925 | Michigan | Severe storms, tornadoes, flooding (Apr 10–21, 2026) | June 30, 2026 | Alcona, Allegan, Alpena, Antrim, Barry, Benzie, Charlevoix, Cheboygan, Crawford, Emmet, Grand Traverse, Gratiot, Iosco, Kalamazoo, Kalkaska, Manistee, Mecosta, Montcalm, Muskegon, Newaygo, Oceana, Osceola, Presque Isle, Roscommon, Saginaw, Washtenaw, Wexford | Active — Individual Assistance | About one year from declaration (≈ June 30, 2027) | State guide |
| DR-4927 | Louisiana | Tropical Storm Arthur (June 17–24, 2026) | June 30, 2026 | Avoyelles Parish, St. Landry Parish, St. Tammany Parish, Terrebonne Parish, Pointe Coupee Parish (added July 20, 2026), Lafourche Parish (added July 20, 2026) | Active — Individual Assistance | About one year from declaration (≈ June 30, 2027) | State guide |
| DR-4930 | Mississippi | Tropical Storm Arthur (June 18–20, 2026) | Aug 3, 2026 | Hancock, Harrison, Pearl River, Stone | Active — Individual Assistance | About one year from declaration (≈ Aug 3, 2027) | State guide |
| DR-4931 | Commonwealth of the Northern Mariana Islands | Super Typhoon Bavi (July 4–12, 2026) | Aug 3, 2026 | Rota (Municipality) | Active — Individual Assistance | About one year from declaration (≈ Aug 3, 2027) | Rota |
| DR-4932 | West Virginia | Severe storm, straight-line winds, tornadoes, flooding, landslides, mudslides (July 21–22, 2026) | Aug 3, 2026 | Lewis, Upshur, Pleasants (added Aug 7, 2026), Ritchie (added Aug 7, 2026) | Active — Individual Assistance | About one year from declaration (≈ Aug 3, 2027) | State guide |
| DR-4933 | Indiana | Severe storms, straight-line winds, tornadoes, flooding (Aug 11–24, 2026) | Aug 25, 2026 | Carroll, Dearborn, Decatur, Delaware, Fayette, Franklin, Hamilton, Hancock, Henry, Lake, LaPorte, Madison, Marion, Morgan, Porter, Pulaski, Randolph, Rush, Tipton, Union, Wayne, Cass (added Sept 24, 2026), Pike (added Sept 24, 2026), Putnam (added Sept 24, 2026) | Active — Individual Assistance | About one year from declaration (≈ Aug 25, 2027) | State guide |
| DR-4936 | Hawaii | Earthquake (M6.0) (May 22, 2026) | Sept 1, 2026 | Hawaii County | Active — Individual Assistance | About one year from declaration (≈ Sept 1, 2027) | State guide |
| DR-4941 | South Dakota — Oglala Sioux Tribe | Severe storms, straight-line winds, flooding (June 2–4, 2026) | Sept 1, 2026 | Oglala Sioux Tribe of the Pine Ridge Reservation | Active — Individual Assistance | About one year from declaration (≈ Sept 1, 2027) | Tribal; FEMA data shows Housing Assistance + Public Assistance |
Counties marked "added" were included by a later amendment. The one-year window is generally measured from the original declaration date, not the amendment date — confirm the exact deadline with Matthew. Tribal and CNMI declarations are listed for completeness; FHA eligibility on trust land and in the territories involves additional rules, so talk with Matthew before relying on them.
FHA 203(h) loans don't require the normal 3.5% minimum down payment that standard FHA 203(b) mortgages require — eligible disaster victims can finance up to 100% of the purchase price. Closing costs, prepaid items, and FHA mortgage insurance still apply, and standard FHA underwriting and county loan limits still apply.
Notable Public-Assistance-only declarations
Watching These are Presidential major disasters, but FEMA's data shows no Individual Assistance designations as of September 26, 2026. Public-assistance-only declarations don't typically open 203(h) for households.
- Colorado — DR-4944 (wildfires, flooding, mudslides; incident period June 27–July 29, 2026). FEMA's data shows a declaration date of September 1, 2026, with Public Assistance for Custer, Dolores, Ouray, and Pueblo counties; Individual Assistance was not granted. News coverage of the decision came in mid-September and reported that the state could appeal. This covers the Aspen Acres and Gold Mountain fire areas. If Individual Assistance is later approved, eligible survivors could use 203(h) with no down payment.
- Texas — DR-4935 (severe storms, straight-line winds, tornadoes, flooding; July 12–August 4, 2026; declared September 1, 2026). Public Assistance only. It does not cover the May 2026 Panhandle wildfires — see Randall County.
Other 2026 Public-Assistance-only declarations: Alaska (tribal) DR-4912 (severe storms, flooding, remnants of typhoon halong, May 29, 2026); Kentucky DR-4913 (severe winter storm, May 29, 2026); Delaware DR-4916 (severe winter storm, May 29, 2026); Idaho DR-4917 (severe storms, flooding, landslides, mudslides, June 30, 2026); New Mexico (tribal) DR-4918 (severe storms and flooding, June 30, 2026); Massachusetts (tribal) DR-4919 (severe winter storm and snowstorm, June 30, 2026); Nebraska DR-4920 (wildfires, June 30, 2026); Guam DR-4921 (super typhoon sinlaku, June 30, 2026); Missouri DR-4924 (severe storms, tornadoes, flooding, June 30, 2026); Kansas DR-4926 (severe storms, tornadoes, flooding, June 30, 2026); Nebraska DR-4928 (severe storms, tornadoes, flooding, Aug 3, 2026); Missouri DR-4929 (severe storms, tornadoes, flooding, Aug 3, 2026); North Dakota DR-4934 (severe storms, straight-line winds, tornadoes, Sept 1, 2026); Kentucky DR-4937 (severe storms, flooding, landslides, mudslides, Sept 1, 2026); South Dakota DR-4938 (severe storms, tornadoes, flooding, Sept 1, 2026); Missouri DR-4939 (severe storms, straight-line winds, flooding, Sept 1, 2026); Kansas DR-4940 (severe storms, tornadoes, flooding, Sept 1, 2026); Iowa DR-4942 (severe storms and flooding, Sept 1, 2026); Kansas DR-4943 (severe storms, tornadoes, flooding, Sept 1, 2026).
203(h) is time-sensitive. Tell Matthew your county and what happened to your home — he'll help you check eligibility and next steps.
Talk with MatthewMichigan: DR-4925 severe storms, tornadoes, and flooding
Active — Individual Assistance FEMA's data shows DR-4925 declared June 30, 2026 (FEMA's press release is dated July 3), for severe storms, tornadoes, and flooding during April 10–21, 2026, with Individual Assistance for 27 counties. The 203(h) window generally runs about one year from the declaration — around June 30, 2027. Michigan's earlier 2026 ice-storm declarations were Public Assistance only and don't typically open 203(h). Full county list and guidance: Michigan FHA 203(h) disaster loans.
State guides for active 100% financing areas
Michigan (DR-4925)
27 counties · April storms, tornadoes, flooding
Wisconsin (DR-4923)
19 counties + Oneida Indian Reservation · April storms
Indiana (DR-4933)
24 counties · August storms, tornadoes, flooding
Louisiana (DR-4927)
6 parishes · Tropical Storm Arthur
Mississippi (DR-4922 & DR-4930)
May storms and Tropical Storm Arthur
West Virginia (DR-4932)
4 counties · July storms, flooding, landslides
Hawaii (DR-4936)
Hawaii County · May 2026 earthquake
Oregon: Lower Dry Creek Fire, Umatilla County
FMAG only FEMA approved a Fire Management Assistance Grant (FM-5645) for the Lower Dry Creek Fire in Umatilla County on July 16, 2026. As of September 26, 2026, no Presidential major disaster declaration was found for this fire. An FMAG helps pay for firefighting costs; it doesn't by itself make homeowners or renters eligible for 203(h). If a major disaster with Individual Assistance were ever declared for this fire, eligible survivors could then use 203(h)'s no-down-payment financing — but that isn't the case today.
If you lost a home in this fire, register the damage with local emergency management and your insurer. Standard FHA and 203(k) rebuild options may help in the meantime.
Texas: Randall County and the Panhandle fires
Monitoring The Hunggate Fire (May 14–19, 2026) burned roughly 34,000 acres across Randall and Deaf Smith counties, forced evacuations near Canyon, and destroyed homes. The Western Fire (May 15–16, 2026) burned south of Canyon. As of September 26, 2026, no Presidential major disaster declaration with Individual Assistance for Randall County was found. Texas DR-4935 is Public Assistance only and covers summer storms, not these fires. Details and alternatives: Randall County, Texas.
How to check your own county on FEMA's site
- Open the database. Go to FEMA's disaster declarations database.
- Filter by state. Choose your state and, if available, filter by year or incident type.
- Look at the declaration number. DR means major disaster; EM means emergency; FM means a fire-management grant. For 203(h), you're looking for a DR.
- Open the declaration and find "Designated Areas." This lists each county and the assistance approved for it.
- Check the assistance type for your county. Look for Individual Assistance. A county listed only for Public Assistance may not open 203(h).
- Note the declaration date. Count forward one year — that's roughly your case-number deadline.
- Screenshot it and send Matthew your county and property address so he can confirm.
Why FMAG, EM, and PA-only declarations usually don't open 203(h)
203(h) is tied to Presidentially declared major disasters. A Fire Management Assistance Grant supports firefighting and isn't a Presidential major disaster declaration. An emergency (EM) declaration is a narrower, short-term action. Within a major disaster, Public Assistance reimburses governments for debris removal and public repairs, while Individual Assistance helps households. Many lenders and FHA disaster policies look for Individual Assistance designation, so Matthew will confirm how your county's designation is treated before you rely on it.
What to do if your area isn't listed
- Check FEMA directly — amendments add counties and assistance types over time, as happened in Indiana, Louisiana, and West Virginia this year.
- Ask Matthew. Send your county and what happened. If a declaration exists, he'll tell you whether 203(h) may fit; if not, he'll walk through other options.
- Consider alternatives: standard FHA, a 203(k) repair or rebuild, or conventional, VA, or USDA loans. If you have a mortgage on the damaged home, read disaster mortgage relief options.
Matthew is licensed in multiple states, not everywhere — tell Matthew where the property is and he'll confirm he can help there.
Frequently asked questions
Where does this data come from?
FEMA's OpenFEMA disaster declarations data, checked September 26, 2026. Declaration dates may differ by a day or two from press releases — confirm with Matthew.
My county is listed for Public Assistance only. Is 203(h) off the table?
It may be. Many lenders require Individual Assistance designation. Matthew will confirm how your county is treated and watch for amendments.
My county was added by amendment. When does my window end?
Generally one year from the original declaration date, not the amendment date. Confirm the exact deadline with Matthew.
Where can I read the official program rules?
See HUD's Section 203(h) page and FEMA's declaration pages.
Find out if FHA 203(h) fits your situation
Tell Matthew a little about the property and your plans. He'll follow up by phone or email — no obligation.
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