How long is an area considered a disaster area for Section 203(h) mortgage insurance purposes?

Section 203(h) of the National Housing Act authorizes FHA to insure mortgages to victims of a Presidentially-Declared Major Disaster Area (PDMDA) for the purchase or reconstruction of a Single Family property.

The FHA case number must be assigned within one year of the PDMDA, unless an additional period of eligibility is provided.

For additional information please visit the Mortgage Insurance for Disaster Victims Section 203(h) web page at

Handbook 4000.1 II.A.8.b is available at