Government Entity-Declared Disaster or Other Emergency SEPs
Before you dive into this list looking for SEPs in your area, here are a few things to keep in mind:
- Compliance: You cannot proactively market to beneficiaries using these SEP opportunities. However, you can assist any clients who contact you about this SEP.
- Acceptance: Keep in mind when discussing these with your client, state and other government entity-declared events are not always universally accepted by all carriers. However, FEMA declared events are generally universally accepted. When in doubt, check with the specific carriers for more information.
- Qualification: To be considered “Affected” the individual must reside currently, or reside at the start of the incident period, in an area for which the government entity has declared an emergency or major disaster. They can also be considered affected if they had another valid election period at the time of the incident and did not make an election during said other election period. The SEP can also be available to individuals who do not live in the affected area but are dependent on help from friends or family who are affected.
- Timeline: An SEP will start on the date the declaration is made, or the incident start date, whichever may be earlier. The SEP will officially end 2 full calendar months following the end date on the declaration, or the date the end of the incident is announced, whichever may be later.
We Update This List As Frequently As We Can but This Content May Still Be Out Of Date!
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Last Update 06/10/22
Alaska Avalanche (State declared emergency)
SEP Period: March 26 – June 30, 2022
Applicable county: Anchorage
Arizona Coconino County Wildfire (County declared emergency)
SEP Period: April 18, 2022 – TBD
Applicable county: Coconino
Colorado Fire Disaster (State declared emergency)
SEP Period: April 12 – July 31, 2022
Applicable counties: Bent Otero
Florida Winter Storm (State declared emergency)
SEP Period: January 28 – June 30, 2022
Applicable counties: Brevard, Broward, Charlotte, Citrus, Collier, Daytona, DeSoto, Glades, Hardee, Hendry, Hernando, Highlands, Hillsborough, Indian River, Lake, Lee, Manatee, Martin, Miami-Dade, Monroe, Okeechobee, Orange, Osceola, Palm Beach, Pasco, Pinellas, Polk, Sarasota, Seminole, St. Lucie, Sumter, Volusia
Florida Charlotte County Tornados (State declared emergency)
SEP Period: January 17, 2022 – July 31, 2022
Applicable county: Charlotte
Florida Wildfires (State declared emergency)
SEP Period: March 3 – July 31, 2022
Applicable counties: Bay, Calhoun, Gulf
Florida Severe Weather (State declared emergency)
SEP Period: March 12 – July 31, 2022
Applicable counties: Clay, Highlands, Marion, Putnam
Florida Building Collapse (State declared emergency)
SEP Period: September 20, 2021 – July 31, 2022
Applicable county: Miami-Dade
Georgia Declaration of State Emergency for Supply Chain Distributions (State declared emergency)
SEP Period: April 14 – July 31, 2022
Applicable area: Entire State
Georgia Tornado and Severe Storm Damage (State declared emergency)
SEP Period: April 5 – July 31, 2022
Applicable area: Entire State
Illinois Severe Winter Weather (State declared emergency)
SEP Period: February 1 – May 31, 2022
Applicable area: Entire State
Iowa Tornadoes (State declared emergency)
SEP Period: March 5 – June 30, 2022
Applicable counties: Adair, Benton, Decatur, Jasper, Lucas, Madison, Polk, Tama, Warren, Wayne
Kansas Severe Winter Storms and Straight-line Winds (FEMA DR-4654-KS)
SEP Period: March 17 – July 31, 2022
Applicable counties: Barton, Clark, Comanche, Edwards, Ellis, Ford, Graham, Gray, Hodgeman, Kiowa, Lane, Meade, Ness, Pawnee, Phillips, Rooks, Rush, Stafford, Trego, Wallace
Kansas Severe Weather (State declared emergency)
SEP Period: April 28 – July 31, 2022
Applicable area: Entire State
Louisiana Severe Weather (State declared emergency)
SEP Period: March 22 – June 30, 2022
Applicable area: Entire State
Massachusetts Severe Winter Storm and Snowstorm (FEMA DR-4651-MA)
SEP Period: January 28 – June 30, 2022
Applicable counties: Bristol, Norfolk, Plymouth, Suffolk
Michigan Tornado Damage (State declared emergency)
SEP Period: May 20 – August 31, 2022
Applicable county: Otsego
National Public Health Emergency for COVID-19 (Department of HHS)
SEP Period: April 12 – September 30, 2022
Applicable to the United States of America
New Mexico Wildfires (State declared emergency)
• Lincoln County SEP Period: April 12 – July 31, 2022
• Mora County SEP Period: April 17, 2022 – TBD
• San Miguel County SEP Period: April 6 – June 30, 2022
• Valencia County SEP Period: April 11 – June 30, 2022
New York Statewide Emergency Due to Gun Violence (State declared emergency)
SEP Period: July 6, 2021 – May 31, 2022
Applicable area: Entire State
North Dakota Flood and Inclement Weather (State declared emergency)
SEP Period: April 12 – August 31, 2022
Applicable counties: Entire State
Oklahoma Tornado Damage (State declared emergency)
SEP Period: May 2 – August 31, 2022
Applicable counties: Colfax, Adair, Cherokee, Coal, Creek, Delaware, Hughes, Latimer, Le Flore, Mayes, McIntosh, Muskogee, Okfuskee, Okmulgee, Pittsburg, Pottawatomie, Seminole, Sequoyah, Tulsa, and Wagoner
South Dakota Damaging Storms (State declared emergency)
SEP Period: May 13, 2022 – January 31, 2023
Applicable area: Entire State
Texas School Shooting (State declared emergency)
SEP Period: May 24 – August 31, 2022
Applicable county: Uvalde
Texas Severe Weather and Tornadoes (State declared emergency)
SEP: April 12 – July 31, 2022
Applicable counties: Bell, Williamson
Texas Severe Weather (State declared emergency)
SEP Period: March 21 – June 30, 2022
Applicable counties: Bastrop, Cass, Cooke, Grayson, Guadalupe, Houston, Jack, Madison, Marion, Montague, Nacogdoches, Panola, Rusk, Upshur, Williamson, Wise
Texas Wildfire Activity (State declared emergency)
SEP Period: February 23 – July 30, 2022
Applicable counties: Brooks, Brown, Coleman, Comanche, Eastland, Grayson, Mason, Potter, Randall, Williamson
Washington Severe Winter Storms, Straight-line Winds, Flooding, Landslides, and Mudslides (FEMA DR-4650)
SEP Period: January 1 – May 31, 2022
Applicable areas: Chehalis Indian Reservation, Cowlitz (County), Franklin (County), Grays Harbor (County), Hoh Indian Reservation, Jefferson (County), Klickitat (County), Lewis (County), Mason (County), Nisqually Indian Reservation, Pacific (County), Quinault Indian Reservation, Shoalwater Bay Reservation, Skagit (County), Skamania (County), Skokomish Indian Reservation, Squaxin Island Indian Reservation, Swinomish Indian Reservation, Thurston (County), Upper Skagit Indian Reservation, Wahkiakum (County)
West Virginia Flooding (State declared emergency)
SEP Period: May 6 – August 31, 2022
Applicable counties: Cabell, Putnam, Roane
You can find more information regarding incidents by state by searching the FEMA link below. If you have any questions or need further clarification, contact us anytime.
844-998-7878 -or- Click Here