Major Disaster Declaration pertaining to additional wildfires in California.
FEMA Declared Disaster in California
On October 16, 2020, FEMA announced a Major Disaster Declaration pertaining to additional wildfires in California, with an incident date of October 6, 2020. No incident end date has been declared at this time.
As of October 16, 2020, seven (7) counties have been identified and designated for Individual Assistance from FEMA.
- Fresno
- Los Angeles
- Madera
- Mendocino
- San Bernardino
- San Diego
- Siskiyou
Requirements in the Following Zip Codes
For conventional and VA loans, the following zip codes are eligible for purchase, and will require either an inspection or appraisal, or Borrower’s Attestation or Veteran’s Certification as noted below. Refer to Chapter 15, Disaster Policy for full requirements.
Conventional Loans
The following zip codes will require an inspection or appraisal for conventional loans, as applicable.
|
County |
Zip Codes Eligible for Purchase |
||
|
Fresno |
· 93602 |
· 93664 |
· 93667 |
|
Los Angeles |
· 91390 · 93532 |
· 93536 · 93544 |
· 93553 · 93563 |
|
Madera |
· 93604 · 93643 |
· 93644 |
· 93669 |
|
Mendocino |
· 95428 |
|
|
|
San Bernardino |
· 92305 · 92339 |
· 92359 |
· 92399 |
|
San Diego |
· 91901 · 91917 |
· 91935 |
· 91963 |
|
Siskiyou |
· 96039 |
· 96086 |
|
The remaining zip codes in the above counties will not require an appraisal or inspection for conventional loans, but will still require:
Conventional:
- Borrower attestation, signed and dated, that there is no damage and they agree to the closing and funding of the loan
- Evidence of acceptable insurance policy in place
VA Loans
The following zip codes will require an inspection or appraisal for VA loans, as applicable.
|
County |
Zip Codes Eligible for Purchase |
||
|
Fresno |
· 93602 |
· 93664 |
· 93667 |
|
Los Angeles |
· 91390 · 93532 |
· 93536 · 93544 |
· 93553 · 93563 |
|
Madera |
· 93604 · 93643 |
· 93644 |
· 93669 |
|
Mendocino |
· 95428 |
|
|
|
San Bernardino |
· 92305 · 92339 |
· 92359 |
· 92399 |
|
San Diego |
· 91901 · 91917 |
· 91935 |
· 91963 |
|
Siskiyou |
· 96039 |
· 96086 |
|
The remaining zip codes in the above counties will not require an appraisal or inspection for VA loans, but will still require:
VA:
- Veteran’s Certification, signed and dated:
- I have inspected the property located at ____________and find its condition now to be acceptable to me. I understand that I will not be charged for any disaster‐related expenses and now wish to close the loan.
- Evidence of acceptable insurance policy in place
FHA and USDA Loans
Purchases are eligible in the declared counties and an inspection or appraisal will be required for FHA and USDA loans in accordance with Chapter 15, Disaster Policy, as applicable.
As with all disasters, the affected areas are not definitively confirmed until FEMA formally designates such areas, which occurs following the completion of the incident and an assessment of the damage. As a result, we will continue to monitor FEMA announcements for impacted areas in order to update any additional impacted counties.