Two declarations, two clocks
Last checked September 26, 2026. Disaster declarations and designated areas change — always confirm current status with FEMA and with Matthew.
| DR-4922 | DR-4930 | |
|---|---|---|
| Incident | Severe storms, straight-line winds, tornadoes, flooding | Tropical Storm Arthur |
| Incident period | May 6–7, 2026 | June 18–20, 2026 |
| Declared (FEMA data) | June 30, 2026 | August 3, 2026 |
| IA counties | Franklin, Lamar, Lawrence, Lincoln, Wilkinson | Hancock, Harrison, Pearl River, Stone |
| Approx. 203(h) window | ≈ June 30, 2027 | ≈ August 3, 2027 |
Declaration dates are from FEMA's data and may differ by a day or two from press-release dates; confirm with Matthew.
Which declaration applies depends on which event damaged your home and which county it's in. A home in Lincoln County damaged in the May storms falls under DR-4922; a home in Harrison County damaged by Arthur falls under DR-4930. Official details: FEMA's DR-4922 page and FEMA's DR-4930 page.
DR-4922: the May 2026 storms in southwest Mississippi
Active — Individual Assistance Individual Assistance under DR-4922 covers Franklin, Lamar, Lawrence, Lincoln, and Wilkinson counties — a cluster in south and southwest Mississippi. Survivors there generally need their case number assigned by around June 30, 2027. Standard homeowner's policies typically cover wind and tornado damage; flood damage generally requires a separate flood policy.
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 MatthewDR-4930: Tropical Storm Arthur on the Gulf Coast
Active — Individual Assistance Individual Assistance under DR-4930 covers Hancock, Harrison, Pearl River, and Stone counties on and near the Mississippi Gulf Coast. The window generally runs to around August 3, 2027. Arthur also produced a Louisiana declaration — see Louisiana FHA 203(h). On the coast, flood zones, elevation rules, and wind coverage all affect both rebuilding and buying; ask for the flood zone and insurance quotes before making an offer.
0% down: how 203(h) financing works in Mississippi
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. Under either declaration, 203(h) can serve as a no-down-payment home loan for disaster victims in the designated counties.
Closing costs can be covered with your own funds, seller contributions within FHA limits, lender credits, or eligible gifts and grants. Insurance premiums are part of prepaids, and on the coast they can be a meaningful number — Matthew will help you estimate them early.
Homeowners, renters, and rebuilding
- Homeowners may buy a replacement home or rebuild; 203(h) can be paired with 203(k) — see rebuilding with 203(h) and 203(k). If you have a mortgage on the damaged home, call your servicer and read mortgage relief options.
- Renters may be eligible too, with a lease, utility bills, and FEMA registration documenting the prior residence.
- Documents: proof you lived there before the incident date that applies to you, FEMA letters, insurance claims (including any separate flood or wind claims), adjuster reports, photos, and standard income and asset records.
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
Which declaration applies to me?
It depends on the event that damaged your home and your county. DR-4922 covers the May storms in five counties; DR-4930 covers Tropical Storm Arthur in four Gulf Coast counties.
Do the two declarations have different deadlines?
Yes. Generally about June 30, 2027 for DR-4922 and about August 3, 2027 for DR-4930. Confirm with Matthew.
Is it really no down payment?
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, prepaids, and FHA mortgage insurance still apply.
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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