Louisiana · FEMA DR-4927

FHA 203(h) Disaster Loans in Louisiana

If Tropical Storm Arthur destroyed the home you were living in, you may be able to rebuild or buy again with no down payment — whether you owned or rented. Here is what is available, including the programs that are not ours.

FEMA DR-4927

Tropical Storm Arthur

Incident dates
June 17–24, 2026
Declared
June 30, 2026
Designated areas
6
203(h) deadline
June 30, 2027

Parishes covered by DR-4927

These were designated for Individual Assistance — the designation that creates 203(h) eligibility:

  • Avoyelles Parish
  • Lafourche Parish
  • Pointe Coupee Parish
  • St. Landry Parish
  • St. Tammany Parish
  • Terrebonne Parish

East Feliciana, St. Charles and Winn parishes received Public Assistance only, which funds repairs to public infrastructure. That designation does not create individual mortgage eligibility under 203(h).

Not sure which declaration covers your address, or whether your parish made the list? Ask us and we will check it against FEMA's official designation for you — it takes a minute and it is the difference between qualifying and not.

What FHA 203(h) can do

203(h) is FHA's mortgage program for disaster victims. If the residence you were living in was destroyed — or damaged badly enough that it must be rebuilt or replaced — it lets you finance a replacement home with no down payment. FHA mortgage insurance and closing costs still apply, but the down payment requirement itself is waived.

  • Renters qualify too. You did not have to own the home you lost.
  • Buy anywhere. The replacement home does not have to be in the parish you lost, or even in Louisiana.
  • Or rebuild. Paired with an FHA one-time close construction loan, one closing covers the rebuild and becomes your permanent mortgage.
  • Credit latitude. FHA allows flexibility for derogatory credit caused by the disaster.
See if you qualify How 203(h) works

Other help available to you

A mortgage is one piece of recovery, and often not the first one. These programs are not ours and we earn nothing from them — but you should know they exist, and several have their own deadlines.

  • FEMA Individual Assistance

    Grants for temporary housing, home repair, and other disaster-related needs. Apply online or by phone at 1-800-621-3362.

    disasterassistance.gov

  • SBA disaster assistance

    Low-interest disaster loans for homeowners and renters — not just businesses. Often the largest source of rebuilding funds after FEMA grants.

    sba.gov

  • Louisiana GOHSEP

    The Governor's Office of Homeland Security and Emergency Preparedness — state recovery information, parish-level updates, and Louisiana disaster assistance programs.

    gohsep.la.gov

  • FEMA — DR-4927 disaster page

    Official declaration details: designated parishes, application deadlines, and Disaster Recovery Center locations.

    fema.gov/disaster/4927

Also worth checking: your homeowner's or renter's insurance settlement, and any parish or local relief funds operating where you live. Dial 211 for Louisiana community resources. Arthur also hit Mississippi under a separate declaration — see FHA 203(h) in Mississippi.

Louisiana 203(h) questions

Which Louisiana parishes qualify for an FHA 203(h) loan after Tropical Storm Arthur?

DR-4927, declared June 30, 2026, designated six parishes for Individual Assistance: Avoyelles, Lafourche, Pointe Coupee, St. Landry, St. Tammany and Terrebonne. Individual Assistance is the designation that creates 203(h) eligibility. East Feliciana, St. Charles and Winn parishes received Public Assistance only, which funds repairs to public infrastructure and does not make individual borrowers eligible.

What is the deadline to apply?

FHA 203(h) applications must be submitted within one year of the declaration. DR-4927 was declared on June 30, 2026, so the deadline is June 30, 2027. Note that Mississippi received a separate declaration for the same storm with a later deadline — the date that applies to you is the one for the state and parish where you were living.

I was renting when the storm hit. Do I qualify?

Possibly, yes — and this is the part almost nobody knows. You did not have to own the home you lost. If you were renting in one of the six designated parishes and that residence was destroyed, or damaged badly enough that it has to be rebuilt or replaced, 203(h) may let you buy a home of your own with no down payment.

Do I have to buy back in the same parish?

No. The replacement home does not have to be in the disaster area. If it makes more sense for your family to move to another part of Louisiana, or to another state where we are licensed, 203(h) still applies.

Can I rebuild on my lot instead of buying an existing home?

Yes. We pair 203(h) with an FHA one-time close construction-to-permanent loan, so a single loan covers the rebuild and then becomes your permanent mortgage — one closing, and no mortgage payments while the home is under construction. Construction lending is our specialty, which is why we can structure this when many lenders cannot.

Does using FEMA or SBA assistance disqualify me from 203(h)?

No. These programs are designed to work alongside each other, and most families end up using more than one. Talk to us about how your FEMA grant, insurance settlement, or SBA loan fits with the mortgage — the sequencing can matter, and we would rather help you plan it than have you guess.

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Let's talk through your options. No pressure, no obligation — just straight answers from a team that does this every day.

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