FEMA Emergency Declaration – North Carolina Hurricane Ian

FEMA Alert
October 1, 2022

FEMA has issued an Emergency Declaration for the state of North Carolina to supplement state, tribal and local response efforts due to emergency conditions resulting from Hurricane Ian beginning September 28, 2022 and continuing.  The following areas has been approved for assistance:

Public Assistance:

  • Alamance
  • Alexander
  • Alleghany
  • Anson
  • Ashe
  • Avery
  • Beaufort
  • Bertie
  • Bladen
  • Brunswick
  • Buncombe
  • Burke
  • Cabarrus
  • Caldwell
  • Camden
  • Carteret
  • Caswell
  • Catawba
  • Chatham
  • Cherokee
  • Chowan
  • Clay
  • Cleveland
  • Columbus
  • Craven
  • Cumberland
  • Currituck
  • Dare
  • Davidson
  • Davie
  • Duplin
  • Durhan
  • Eastern Band of Cherokee Indians of North Carolina
  • Edgecombe
  • Forsyth
  • Franklin
  • Gaston
  • Gates
  • Graham
  • Granville
  • Greene
  • Guilford
  • Halifax
  • Harnett
  • Haywood
  • Henderson
  • Hertford
  • Hoke
  • Hyde
  • Iredell
  • Jackson
  • Johnston
  • Jones
  • Lee
  • Lenoir
  • Lincoln
  • Macon
  • Madison
  • Martin
  • McDowell
  • Mecklenburg
  • Mitchell
  • Montgomery
  • Moore
  • Nash
  • New Hanover
  • Northampton
  • Onslow
  • Orange
  • Pamlico
  • Pasquotank
  • Pender
  • Perquimans
  • Person
  • Pitt
  • Polk
  • Randolph
  • Richmond
  • Robeson
  • Rockingham
  • Rowan
  • Rutherford
  • Sampson
  • Scotland
  • Stanly
  • Stokes
  • Surry
  • Swain
  • Transylvania
  • Tyrrell
  • Union
  • Vance
  • Wake
  • Warren
  • Washington
  • Watauga
  • Wayne
  • Wilkes
  • Wilson
  • Yadkin
  • Yancey

 

North Carolina Hurricane Ian (EM-3586-NC)

President Joseph R. Biden, Jr. Approves Emergency Declaration for North Carolina

List of Affected Zip Codes

 

Additional Resources

FEMA’s web site

FEMA’s Disaster Declaration Process

Safeguard Properties Industry Alerts

HUD Moratorium on Foreclosure

VA’s Policy Regarding Natural Disasters

Freddie Mac Disaster Relief Policies

Fannie Mae’s Natural Disaster Relief Policies

FEMA Major Disaster Declaration – Seminole Tribe of Florida Hurricane Ian

FEMA Alert
September 30, 2022

FEMA has issued a Major Disaster Declaration for the Seminole Tribe of Florida to supplement tribal recovery efforts in the areas affected by Hurricane Ian beginning September 23 and continuing.  The following areas has been approved for assistance:

Individual Assistance:

  • Big Cypress Indian Reservation
  • Brighton Indian Reservation
  • Fort Pierce Indian Reservation
  • Hollywood Indian Reservation
  • Immokalee Indian Reservation
  • Tampa Reservation

 

Seminole Tribe of Florida Hurricane Ian (DR-4675)

President Joseph R. Biden, Jr. Approves Major Disaster Declaration for Seminole Tribe of Florida

Map of Affected Areas

List of Affected Zip Codes

 

Additional Resources

FEMA’s web site

FEMA’s Disaster Declaration Process

Safeguard Properties Industry Alerts

HUD Moratorium on Foreclosure

VA’s Policy Regarding Natural Disasters

Freddie Mac Disaster Relief Policies

Fannie Mae’s Natural Disaster Relief Policies

FEMA Major Disaster Declaration – Virginia Flooding and Mudslides

FEMA Alert
September 30, 2022

FEMA has issued a Major Disaster Declaration for the state of Virginia to supplement state, tribal and local response efforts in the areas affected by flooding and mudslides from July 13-14, 2022.  The following areas has been approved for assistance:

Public Assistance:

  • Buchanan
  • Tazewell

 

Virginia Flooding and Mudslides (DR-4674-VA)

President Joseph R. Biden, Jr. Approves Major Disaster Declaration for Virginia

Map of Affected Areas

List of Affected Zip Codes

 

Additional Resources

FEMA’s web site

FEMA’s Disaster Declaration Process

Safeguard Properties Industry Alerts

HUD Moratorium on Foreclosure

VA’s Policy Regarding Natural Disasters

Freddie Mac Disaster Relief Policies

Fannie Mae’s Natural Disaster Relief Policies

FEMA Emergency Declaration – South Carolina Hurricane Ian

FEMA Alert
September 29, 2022

FEMA has issued an Emergency Declaration for the state of South Carolina to supplement state, tribal and local response efforts due to emergency conditions resulting from Hurricane Ian beginning September 25, 2022 and continuing.  The following areas has been approved for assistance:

Public Assistance:

  • Abbeville
  • Aiken
  • Allendale
  • Anderson
  • Bamberg
  • Barnwell
  • Beaufort
  • Berkley
  • Calhoun
  • Charleston
  • Cherokee
  • Chester
  • Chesterfield
  • Clarendon
  • Colleton
  • Darlington
  • Dillon
  • Dorchester
  • Edgefield
  • Fairfield
  • Florence
  • Georgetown
  • Greenville
  • Greenwood
  • Hampton
  • Horry
  • Jasper
  • Kershaw
  • Lancaster
  • Laurens
  • Lee
  • Lexington
  • Marion
  • Marlboro
  • McCormick
  • Newberry
  • Oconee
  • Orangeburg
  • Pickens
  • Richland
  • Saluda
  • Spartanburg
  • Sumter
  • Union
  • Williamsburg
  • York

 

South Carolina Hurricane Ian (EM-3585-SC)

President Joseph R. Biden, Jr. Approves Emergency Declaration for South Carolina

Map of Affected Areas

List of Affected Zip Codes

 

Additional Resources

FEMA’s web site

FEMA’s Disaster Declaration Process

Safeguard Properties Industry Alerts

HUD Moratorium on Foreclosure

VA’s Policy Regarding Natural Disasters

Freddie Mac Disaster Relief Policies

Fannie Mae’s Natural Disaster Relief Policies

Freddie Mac: Mortgage Serious Delinquency Rate Decreased in August

Industry Update
September 26, 2022

Source: Calculated Risk Blog

Freddie Mac reported that the Single-Family serious delinquency rate in August was 0.70%, down from 0.73% July. Freddie’s rate is down year-over-year from 1.62% in August 2021.

Freddie’s serious delinquency rate peaked in February 2010 at 4.20% following the housing bubble and peaked at 3.17% in August 2020 during the pandemic.

For full report, please click the source link above.

 

 

 

 

 

 

 

 

 

 

 

CFPB Considers Permanently Restoring Covid Mortgage Protections

Industry Update
September 22, 2022

Source: news.bloomberglaw.com

The Consumer Financial Protection Bureau is seeking information to possibly make pandemic-era foreclosure prevention and automatic refinancing programs permanent features of the mortgage market.

The Thursday request for information for rulemaking is seeking input from lenders and other interested parties on ways to automatically allow financially vulnerable borrowers—due to natural disasters, pandemics and other events out of their control—to pause payments and extend the loan maturity date. Such automatic protections could also help mortgage servicers, the CFPB said.

For full report, please click the source link above.

 

 

 

 

 

 

 

 

 

 

 

Black Knight’s First Look at August 2022 Mortgage Data

Industry Update
September 23, 2022

Source: Black Knight Inc.

Black Knight, Inc. reports the following “first look” at August 2022 month-end mortgage performance statistics derived from its loan-level database representing the majority of the national mortgage market.

The national delinquency rate fell 3.6% in August to 2.79%, just 4 basis points above May 2022’s record low.

Improvement was broad-based, with the number of borrowers a single payment past due falling by 4% and those 90 or more days delinquent down 4.5%.

After dropping steadily over recent months, cure activity also improved in August, with 62K seriously delinquent loans curing to current status, up from 58K in July.

The month’s 20.3K foreclosure starts represent a 15% jump in activity from July, but remain 44% below August 2019 levels.

Likewise, starts were initiated on 3.4% of serious delinquencies; up slightly from July but still less than half the rate seen in the years leading up to the pandemic.

Prepays (SMM) edged up 1.5% for the month, due to calendar-related effects, but are still down by 69% year-over-year as rising rates continue to put downward pressure on both purchase and refinance lending.

For full report, please click the source link above.

 

 

 

 

 

 

 

 

 

 

 

FEMA Major Disaster Declaration – Florida Hurricane Ian

FEMA Alert
September 29, 2022

***Last updated on 10/17/2022***

FEMA has issued a Major Disaster Declaration for the state of Florida to supplement state, tribal and local response efforts in the areas affected by Hurricane Ian beginning September 23, 2022 and continuing.  The following areas has been approved for assistance:

Individual Assistance:

  • Brevard
  • Charlotte
  • Collier
  • DeSoto
  • Flagler
  • Glades
  • Hardee
  • Hendry
  • Highlands
  • Hillsborough
  • Lake
  • Lee
  • Manatee
  • Monroe
  • Okeechobee
  • Orange
  • Osceola
  • Palm Beach
  • Pasco
  • Pinellas
  • Polk
  • Putnam
  • Sarasota
  • Seminole
  • St. Johns
  • Volusia

Public Assistance:

  • Alachua
  • Baker
  • Bay
  • Bradford
  • Brevard
  • Broward
  • Calhoun
  • Charlotte
  • Citrus
  • Clay
  • Collier
  • Columbia
  • DeSoto
  • Dixie
  • Duval
  • Escambia
  • Flagler
  • Franklin
  • Gadsden
  • Gilchrist
  • Glades
  • Gulf
  • Hamilton
  • Hardee
  • Hendry
  • Hernando
  • Highlands
  • Hillsborough
  • Holmes
  • Indian River
  • Jackson
  • Jefferson
  • Lafayette
  • Lake
  • Lee
  • Leon
  • Levy
  • Liberty
  • Madison
  • Manatee
  • Marion
  • Martin
  • Miami-Dade
  • Miccosukee Indian Reservation
  • Monroe
  • Nassau
  • Okaloosa
  • Okeechobee
  • Orange
  • Osceola
  • Palm Beach
  • Pasco
  • Pinellas
  • Polk
  • Putnam
  • Santa Rosa
  • Sarasota
  • Seminole
  • St. Johns
  • St. Lucie
  • Sumter
  • Suwannee
  • Taylor
  • Union
  • Volusia
  • Wakulla
  • Walton
  • Washington

 

Florida Hurricane Ian (DR-4673-FL)

President Joseph R. Biden, Jr. Approves Major Disaster Declaration for Florida

Map of Affected Areas

List of Affected Zip Codes

 

Additional Resources

FEMA’s web site

FEMA’s Disaster Declaration Process

Safeguard Properties Industry Alerts

HUD Moratorium on Foreclosure

VA’s Policy Regarding Natural Disasters

Freddie Mac Disaster Relief Policies

Fannie Mae’s Natural Disaster Relief Policies

Hurricane Ian Eyewall Moving Ashore; Catastrophic Florida Strike Begins

Disaster Alert
September 28, 2022

Source:  The Weather Channel

H​urricane Ian is nearing landfall as one of southwest Florida’s most intense hurricanes on record, expected to produce catastrophic storm surge, destructive winds and flooding rainfall.

I​an is a Category 4 hurricane packing maximum sustained winds of 155 mph.

Some coastal gauges are now reporting water rises, the beginning of Ian’s storm surge, including in Naples, Florida, where over 4 feet of storm surge inundation has been measured, more than any other storm at that gauge location in at least 50 years.

Meanwhile, winds blowing offshore have produced a blowout tide in Tampa Bay Wednesday morning.

Bands of heavy rain containing strong wind gusts are lashing parts of the Florida Peninsula and the Florida Keys right now.

Winds have recently gusted up to 62 mph in Ft. Myers and Naples. Gusts over 40 mph have been clocked on the Atlantic side in Melbourne, Florida. Street flooding was reported in Stuart, about 100 miles north of Miami.

Winds have gusted from 40 to 80 mph in Key West since Tuesday, where Ian also produced the third highest storm surge in over 100 years.

A​ tornado watch is in effect for central and southern Florida until 5 p.m. EDT.

Current Watches, Warnings

Hurricane warnings (shaded in purple in the map below) now stretch across the Florida Peninsula from southwest to central to Florida’s Space Coast, including including Tampa-St. Petersburg, Fort Myers, Orlando and Daytona Beach. This means hurricane conditions are expected.

A storm surge warning is also in effect along much of Florida’s west coast, from the mouth of the Suwanee River to the Lower Keys, including Tampa Bay, and also on the Atlantic side from the Flagler-Volusia County line in northeast Florida to the entire Georgia coast to Charleston County, South Carolina, including Florida’s St. Johns River. This means life-threatening flooding from rising water moving inland from the coastline is expected.

A​ hurricane watch extends from northeast Florida’s coast to Charleston County, South Carolina, where hurricane conditions are possible.

Tropical storm warnings extend from the Florida Keys northward to southeast Florida, the northwestern Bahamas, the Florida Big Bend and from northeastern Florida to the border of North Carolina and South Carolina, as you can see in the map below.

Forecast Path, Intensity

Landfall of Ian’s center should occur this afternoon between Sarasota and Fort Myers.

Ian should remain at least Category 4, but could make an extremely rare Category 5 landfall this afternoon. Regardless, Ian will be a life-threatening, catastrophic landfall, one of southwest Florida’s strongest hurricanes on record.

A​fter that, Ian will move over the central Florida Peninsula and eventually weaken to a tropical storm. Ian could then emerge briefly over the Atlantic waters before turning back toward the Georgia or South Carolina coasts as a tropical storm or low-end hurricane Friday and Friday night.

Forecast Impacts

S​torm Surge

I​an will produce catastrophic storm surge along parts of the southwest Florida coast.

The map below shows possible peak storm surge inundation, if that happens at the time of high tide, according to the National Hurricane Center.

The peak surge, possibly up to 18 feet, will occur near and south of where the center makes landfall in southwest Florida on Wednesday. That could be between Englewood and Bonita Beach, including Charlotte Harbor.

NHC senior meteorologist Eric Blake noted Wednesday morning nobody alive has witnessed storm surge as high as forecast for Ian in southwest Florida. This could, in fact, be a record storm surge for southwest Florida, according to data from the National Weather Service.

Storm surge is also expected on the Atlantic side of northeast Florida and into coastal Georgia and South Carolina beginning late Wednesday or Thursday. Given the wind direction out of the northeast as this may occur, the St. Johns River in northeast Florida may back up and flood.

D​ue to persistent onshore winds even as Ian’s center moves farther away, coastal flooding may last for some time beyond the peak storm surge into Friday or even early Saturday in western Florida and along the areas shown below along the Atlantic Southeast coast.

W​ind Threat

W​ind damage from Ian will be catastrophic near where its eyewall tracks inland into the southwest Florida coast. That will include the stretch of coastline from Sarasota to Port Charlotte and Fort Myers.

P​ower outages and downed trees are likely in areas under hurricane and tropical storm warnings. Those outages could last for days or weeks in locations that see the highest winds.

S​tructural damage is possible, with the greatest threat near where the core of the hurricane’s center tracks in western and southwestern Florida.

T​he map below shows where sustained tropical storm and hurricane force winds are ongoing as of the latest National Hurricane Center advisory.

R​ainfall

Heavy rainfall is another dangerous threat from the Florida Peninsula into portions of the Southeast through the weekend.

Here’s the latest rainfall forecast from the National Hurricane Center.

-Florida Keys and South Florida: 6 to 8 inches, with locally up to 12 inches.

-Central and Northeast Florida: 12 to 18 inches, with locally up to 24 inches.

-Eastern Georgia and coastal South Carolina: 4 to 8 inches, with locally up to 12 inches.

This heavy rain is likely to trigger dangerous, potentially catastrophic flash flooding in parts of Florida, especially in urban areas, along with river flooding that is likely to last for days after Ian is over.

A​dditional locally heavy rain and flash flooding is possible this weekend as Ian or its remnant pivots into the southern Appalachians and Mid-Atlantic states, particularly in mountainous terrain.

I​solated tornadoes are also a threat across much of the Florida Peninsula on Wednesday, in northeast Florida Thursday and the coastal Carolinas Friday.

C​heck back with us at weather.com for the very latest on this developing situation.

For full report, please click the source link above.

Hurricane Ian Heads into Gulf, Targets Florida as Major Hurricane

Disaster Alert
September 27, 2022

Source:  Orlando Sentinel

Hurricane Ian plowed into Cuba early Tuesday growing in strength to a Category 3 major hurricane with 125 mph sustained winds with a projected path that sees the storm growing further before making landfall on Florida likely near Tampa Bay late Wednesday or early Thursday.

As of 8 a.m., the National Hurricane Center puts the center of Ian in the Gulf of Mexico about 10 miles north-northeast of Pinar Del Rio, Cuba and 130 miles south-southwest of the Dry Tortugas. It made landfall at 4:30 a.m. on the western side of Cuba and is moving north at 12 mph. Hurricane-force winds extend out 35 miles with tropical-force-storm winds out 115 miles.

“On the forecast track, the center of Ian is expected to emerge over the southeastern Gulf of Mexico in a couple of hours, pass west of the Florida Keys later today, and approach the west coast of Florida within the hurricane warning area on Wednesday and Wednesday night,” NHC forecasters said.

The system is expected to grow by Tuesday afternoon into a Category 4 hurricane with 140 mph winds and 165 mph gusts in the Gulf of Mexico before turning, slowing down its forward speed and making a beeline to Florida’s Gulf Coast.

“We were here 48 hours ago and most of the solutions had it going up the coast — the west coast of Florida,” said Gov. Ron DeSantis during a Tuesday morning press conference from the state Emergency Operations Center in Tallahassee. “Now most of them have it ramming into the state of Florida and cutting across and so just be be prepared for that and understand that that’s something that could be happening.”

DeSantis and Florida Division of Emergency Management Director Kevin Guthrie said the 11 a.m. forecast is expected to forecast a shift even farther south with potential landfall near Venice or Sarasota just south of Tampa Bay.

Impacts will be felt far broader than where the hurricane ultimately makes landfall, DeSantis said, urging people along the Gulf coast to heed warnings and evacuation orders from their local officials. Also, he said, remember you don’t have to evacuate hundreds of miles, just seek higher, dryer ground.

”Mother nature is a fierce adversary,” he said.

For full report, please click the source link above.