FEMA Disaster Relief Announcement for Kentucky

FEMA has issued a Major Disaster Declaration for Kentucky following severe storms, straight-line winds, tornadoes, flooding, landslides, and mudslides.

• Incident Period: Began on April 2, 2025, and is continuing

• Declaration Date: April 24, 2025

📍 Affected Counties

• Anderson

• Butler

• Carroll

• Christian

• Clark

• Franklin

• Hardin

• Hopkins

• Jessamine

• McCracken

• Mercer

• Owen

• Woodford

🏠 Re-Inspection by Loan Type

Loan Type	Re-Inspection Required?	Condition
FHA Full Doc	Yes	If appraisal was completed before Incident Period End Date (still continuing).
FHA Streamline	No	Not applicable.
VA Full Doc	Yes	If appraisal was completed before Incident Period End Date.
VA IRRRL	Yes	If loan was not closed before April 2, 2025.
USDA Full Doc / Streamline Assist	Yes	If appraisal was completed before Incident Period End Date.
Conventional	Yes	If appraisal was completed before Incident Period End Date.
Non-Agency	Yes	If appraisal was completed before Incident Period End Date.

Note: If FEMA has not declared an end date, re-inspections may begin 14 days after April 2, 2025 (i.e., from April 16, 2025 onward).