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Disaster Information & Updates

Information on recent disasters, and their affect on our industry, including:

  • April 2014 Arkansas storm
  • November 2013 Midwest tornadoes
  • September 2013 Colorado floods
  • June 2013 Colorado Springs fire
  • May 2013 Oklahoma storms and tornados
  • 2012 Hurricane Sandy
  • 2012 Hurricane Isaac



 Louisiana & the city of New Orleans | Mississippi | Fannie Mae | FEMA | Freddie Mac | HUD |

USDA - Rural Development | VA | State Rulings on Insurance Deductibles | Other Articles



Government Agency & GSE Resources

DisasterAssistance.gov provides access to disaster help and resources.

OCC, FDIC, NCUA, Board of Governors of the Federal Reserve System Joint Release:  Agencies issue Supplemental Statement on Supervisory Practices Regarding Financial Institutions and Borrowers Affected by Hurricane Sandy (11/14/12)



Louisiana and the City of New Orleans

Major Disaster Declaration declared on 8/29/12 re Hurricane Isaac
Louisiana Recovery Authority






Major Disaster Declaration declared 8/29/12 re Hurricane Isaac
Mississippi Development Authority





Fannie Mae


Assistance in Disasters

Announcement SVC-2013-16 (8/7/13) -- Updates to Assistance in Disasters
Lender Letter LL-2013-03 (2/22/13) -- Updates to Insurance Claim Settlements
Lender Letter LL-2013-02 (1/31/13) -- Extension of Foreclosure and Eviction Moratorium related to Hurricane Sandy
Lender Letter LL-2012-12 (12/20/12) -- Mortgage Loans Impacted by Hurricane Sandy
Lender Letter LL-2012-09 (11/13/12) -- Additional Flexibilites for Mortgage Loans Impacted by Hurricane Sandy
Servicing Notice re Hurricane Sandy (10/31/12)
Hurricane Relief Webpage







National Flood Insurance Program

List of Federal Disaster Declarations with related information




Freddie Mac


Disaster Relief Policies

FAQ's for Bulletins 2013-1, 2012-29, and 2012-26

Press Release (4/30/14) --

Extends Disaster Relief to Eligible Borrowers Harmed by Arkansas Storms

Bulletin 2013-15 (8/15/13) --

provides special requirements for borrowers impacted by an eligible disaster, including the new capitalization and extension modification for disaster relief.

Bulletin 2013-10 (6/14/13) --

announces Hurricane Sandy Exterior Property Inspection Reimbursement Template, must be submitted by 9/16/13 for reimbursement

Bulletin 2013-7 (5/13/13) --

includes "Updates to the Streamlined Modification Effective Date to Assist Borrowers Impacted by Hurricane Sandy

Bulletin 2013-4 (2/22/13) --

Temporary Property Insurance Claim Requirements for Properties Affected by Hurricane Sandy

Bulletin 2013-1 (1/31/13) --

Foreclosure Sale and Eviction Closeout Moratorium Extension Related to Hurricane Sandy

Bulletin 2012-29 (12/18/12) --

Special Servicing Requirements Related to Hurricane Sandy

Bulletin 2012-26 (11/13/12) --

Servicing Requirements Related to Properties Affected by Hurricane Sandy and Other Disaster-Related Requirements

Freddie Mac Extends Mortgage Relief to Illinois Homeowners Affected by Tornadoes (11/27/13)

Freddie Mac Extends Mortgage Relief to Borrowers Affected by Hurricane Sandy (10/30/12)


For information on Freddie Mac's disaster relief policies, see the Single-Family Seller/Servicer Guide, Ch. 68, "Servicing Mortgages Impacted by a Disaster." Freddie Mac's disaster relief solutions include: short-term suspension of collection, foreclosure, and eviction proceedings for up to 12 months from the date a disaster strikes; not assessing late charges or reporting to credit repositories for borrowers on forbearance or repayment plans; and monitoring and coordinating the insurance claim process. If servicers have a unique situation that warrants special relief consideration, they should contact (800) FREDDIE or their Freddie Mac Servicing Representative.








Mortgagee Letters

HUD Disaster Resources

Press Release -- HUD No. 14-039 (4/29/14):

HUD Secretary Announces Disaster Assistance for Arkansas Storm Victims

Press Release -- HUD No. 13-153 (10/28/13):

HUD Announces Additional $5 Billion in Recovery Funds for Communities Impacted by Hurricane Sandy

Mortgagee Letter 2013-36 (9/27/13):

Eligible Properties in Presidentially Declared Major Disaster Area Super Storm Sandy for 203(k) insured mortgages

Mortgagee Letter 2013-11 (4/12/13):

Additional Guidance for the Origination and Servicing of FHA-Insured Loans in Presidentially-Declared Major Disaster Areas and Specific Requirement for Hurricane Sandy Affected Communities.

Mortgagee Letter 2013-06 (1/31/13):

Extension of Disaster Moratorium & Suspension of Evictions for Specified Properties Impacted by Hurricane Sandy, plus HUD & FHFA Announce Extended Relief to Borrowers Affected by Hurricane Sandy (1/31/13)

HUD Announces Foreclosure Protection Storm Victims due to Hurricane Sandy (10/31/12)


New Jersey

New York

Mortgagee Letter 2012-28 (12/11/12): 

Restatement and Update of Flood Zone Requirements for FHA Insured Housing

Mortgagee Letter 2012-23 (11/16/12);

provides Guidance for FHA-Approved Mortgagees Originating and Servicing Mortgages in Presidentially-Declared Major Disaster Areas

Mortgagee Letter 2012-19 (9/20/12):

Hazard and Flood Insurance Requirement Reminder

HUD Handbook 4330.1, Rev-5, “Administration of Insured Home Mortgages”






USDA - Rural Development

USDA Emergency Preparedness and Response
News Release (12/18/13) USDA Brings Additional Relief to Landowners Affected by Hurricane Sandy Second Round of Conservation Easement Applications to be Accepted in 2014







VA Loan Guaranty Policy Regarding Natural Disasters

Circular 26-13-26 (12/3/13) Special Relief Following the Midwest Tornadoes

Circular 26-13-16 (9/19/13) Special Relief Following Flooding in Colorado

Circular 26-13-11 (6/17/13) Special Relief Following the Colorado Springs Fire

Circular 26-13-3 (2/5/13) Continued Forbearance due to Hurricane Sandy

Circular 26-12-10 (11/1/12) Special Relief Following Hurricane Sandy

Circular 26-12-9 (11/9/12) See subsection (g) re Assistance to Veterans Affected by Natural Disasters.






State Rulings on Insurance Deductibles

Connecticut (11/1/12)
DC (10/30/12)
Delaware (11/2/12)
Maryland (10/30/12)
New Jersey (11/2/12)
New York (11/1/12)
Pennsylvania (11/1/12)
Rhode Island (10/30/12)




Other Articles

Fannie, Freddie Order Additional Relief for Sandy Victims
Hurricane Sandy Impact Lessons Learned from Hurricane Katrina (Spring '13 USFN Report)



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