Current FHA 203(h) Disaster Areas
This page tracks federally declared disaster areas that may create FHA 203(h) disaster loan opportunities for eligible homeowners whose primary residences were destroyed or severely damaged.
Disaster Declaration – Oregon Wildfires (Umatilla County)
A FEMA Declaration for individual assistance has been issued for areas of Umatilla County, Oregon (zip codes 97810 and 97859) impacted by the recent wildfires. Impacted properties may be subject to additional appraisal and inspection requirements, and homeowners may have FHA 203(h) disaster financing options available.
Disaster Declaration – Michigan (Multiple Counties)
A FEMA Major Disaster Declaration has been issued for counties in Michigan (declared 6/30/2026; incident period 4/10/2026 – 4/21/2026). Designated counties include 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, and Wexford. Impacted properties may be subject to additional appraisal and inspection requirements, and homeowners may have FHA 203(h) disaster financing options available.
Disaster Declaration – Aspen Acres Fire (CO)
A FEMA Declaration for individual assistance has been issued for areas of Fremont County, Colorado impacted by the Aspen Acres Fire. Impacted properties may be subject to additional appraisal and inspection requirements, and homeowners may have FHA 203(h) disaster financing options available.
View Aspen Acres Fire PageDisaster Declaration – Gold Mountain Fire (CO)
A FEMA Declaration for individual assistance has been issued for areas of Gunnison County, Colorado impacted by the Gold Mountain Fire. Impacted properties may be subject to additional appraisal and inspection requirements, and homeowners may have FHA 203(h) disaster financing options available.
View Gold Mountain Fire PageFeatured Current Focus: Randall County, Texas
Randall County and the Amarillo area are part of our initial disaster loan focus. Homeowners affected by qualifying disaster damage may be able to use FHA 203(h) financing to purchase a replacement primary residence with no down payment required.
View Randall County FHA 203(h) PageCurrent Disaster Area List
This list will be updated as new qualifying FEMA disaster declarations are reviewed. Always verify current FHA, HUD, and FEMA eligibility before relying on any deadline or location.
| State | County / Area | Disaster Type | Status | Resource Page |
|---|---|---|---|---|
| Oregon | Umatilla County / Wildfires — Zip Codes 97810, 97859 | Federally declared disaster | Active | See Notice Above → |
| Michigan | Multiple Counties (27) — incl. Grand Traverse, Kalamazoo, Muskegon, Saginaw, Washtenaw | Federally declared disaster | Active | See Notice Above → |
| Colorado | Fremont County / Aspen Acres Fire | Federally declared disaster | Active | View Page → |
| Colorado | Gunnison County / Gold Mountain Fire | Federally declared disaster | Active | View Page → |
| Texas | Randall County / Amarillo Area | Federally declared disaster | Monitoring / Active Focus | View Page → |
How to Use This Page
For Homeowners
Check whether your county is listed, then schedule a consultation to review whether FHA 203(h) may apply to your situation.
For Realtors
Use this page to identify impacted areas where clients may need replacement housing or financing options after disaster damage.
For Future Updates
As new federally declared disasters occur, this page can expand into a statewide and national FHA 203(h) eligibility resource.
What We Track
- Federally declared disaster areas
- Counties that may create FHA 203(h) eligibility
- Disaster dates and declaration activity
- Time-sensitive FHA case number deadlines
- Local pages for affected homeowners and Realtors
Need to Know Whether Your County May Qualify?
Schedule a consultation to review the disaster area, your prior residence, your documentation, and your available mortgage options.
Schedule Consultation