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Humana SEP - March 1, 2026

March 02, 202626 min read

2026 Humana Compliance Communication – March 1, 2026

SEP for Individuals Affected by a Disaster or Emergency

Who qualifies for this SEP?

Individuals affected by an emergency or major disaster declared by a Federal, State, or local government entity are eligible for an SEP to make an MA enrollment or disenrollment election.

Individuals are eligible for this SEP if they:

  • Reside, or resided at the start of the SEP eligibility period, in an area for which a federal, state or local government entity has declared an emergency or major disaster; OR, Do not

    reside in an affected area, but rely on help making healthcare decisions from one or more individuals who reside in an affected area; AND

  • Were eligible for another election period at the time of the SEP eligibility period; AND

  • Did not make an election during that other valid election period due to the disaster or other emergency.

The SEP starts as of the date the declaration is made, the incident start date or, if different, the start date identified in the declaration, whichever is earlier. The SEP ends 2 full calendar months following the end date identified in the declaration or, if different, the date the end of the incident is announced, the date the incident automatically ends under applicable state or local law, or, if the incident end date is not otherwise identified, the incident end date is 1 year after the SEP start date; or, if applicable, the date of a renewal or extension of the emergency or disaster declaration, whichever is later. The maximum length of this SEP, if the incident end date is not otherwise identified, is 14 full calendar months after the SEP start date or, if applicable, the date of a renewal or extension of the emergency or disaster declaration.

What Does This Mean to Agents?

Agents are responsible for ensuring that the individual meets the eligibility criteria for this SEP prior to use.

If an individual wants to enroll and believes they may qualify for this SEP, agents should:

  • Ask the beneficiary if they can show proof that they lived/live in an impacted area at the start of the SEP eligibility period or relies on help making healthcare decisions from friends or family members who lived/live in affected areas.

  • If they do not have proof, ask them to verbally attest.

  • Confirm that they had another valid election period available during the time of the incident period and did not make an election during that other valid election period due to the disaster or other emergency

  • Confirm that the beneficiary lived in a county that has been declared an emergency or major disaster or relies on help making healthcare decisions from friends or family members who lived/live in the affected areas.

  • Once eligibility has been verified, proceed with the application.

  • On applications, use election code SEP DST.

Enrollments made pursuant to this SEP are effective the first of the month following receipt of the enrollment request. For enrollment requests where more than one effective enrollment date is possible, agents will need to determine the applicant’s desired effective date.

NOTICE: This SEP should never be used as a marketing tool to promote MA or PDP sales. Agents should not be actively marketing this SEP, but rather, be aware that it is available in case they are approached by someone who believes they have missed an election period due to the weather-related incident.

For any updates to eligible counties for FEMA declarations please refer to the FEMA website at: https://www.fema.gov/disasters

Changes from Previous Communication:

  • New or Amended declarations appear in ORANGE. Expired declarations appear in RED.

Expired:

Alaska (2025 West Coast Storm) – Governor Declared a State of Emergency on October 8, 2025 –Extended on November 8, 2025
Incident Period: October 8, 2025 – December 8, 2025
SEP Start Date: October 8, 2025
SEP End Date: February 28, 2026
Counties: Bethel, Kusilvak, Nome, North Slope, Northwest Arctic

Alaska (Ongoing Federal Government Shutdown) – Governor Declared a State of Emergency on November 3, 2025
Incident Period: October 1, 2025 – December 3, 2025
SEP Start Date: October 1, 2025
SEP End Date: February 28, 2026
Counties: Entire State

Florida (May North Florida Tornadoes – EO 24-94/EO 24-95 / EO 24-148 / EO 24-148 / EO 24-239/ EO 24-288 / EO 25-50 / EO 25-94 / EO 25-139 / EO 25-179 / EO 25-211) – Governor Declared a State of Emergency on May 10, 2024 – Renewed October 24, 2025
Incident Period: May 10, 2024 – December 23, 2025
SEP Start Date: May 10, 2024
SEP End Date: February 28, 2026
Counties: Baker, Columbia, Escambia, Gadsden, Hamilton, Jefferson, Lafayette, Leon, Liberty, Madison, Okaloosa, Santa Rosa, Suwannee, Taylor, Wakulla

Florida (Lake County Flooding – EO 25-213) – Governor Declared a State of Emergency on October 29, 2025
Incident Period: October 26, 2025 – December 28, 2025
SEP Start Date: October 26, 2025
SEP End Date: February 28, 2026
Counties: Lake

Kentucky (Catastrophic Plane Crash – EO 2025-758) – Governor declared a State of Emergency on November 5, 2025
Incident Period: November 5, 2025 – December 5, 2025
SEP Start Date: November 5, 2025
SEP End Date: February 28, 2026
Counties: Entire State

Louisiana (Smitty’s Supply Fire– EO JML-25-141) – Governor declared a State of Emergency on October 10, 2025
Incident Period: August 24, 2025 – January 4, 2026
SEP Start Date: August 24, 2025
SEP End Date: February 28, 2026
Counties: Entire Tangipahoa

Missouri (Tornadoes, Straight-Line Winds, Large Hail, Heavy Rains, and Flash Flooding – EO 25-19/ EO 25-22/ EO 25-23 / EO 25-27 / EO 25-31) – Governor Declared a State of Emergency on April 14, 2025 – Renewed on October 29, 2025
Incident Period: March 14, 2025 – December 31, 2025
SEP Start Date: March 14, 2025
SEP End Date: February 28, 2026
Counties: Entire State

New Jersey (Potentially Significant Winter Storm – EO 406) – Governor declared a State of Emergency on December 1, 2025
Incident Period: December 2, 2025 – December 2, 2026
SEP Start Date: December 1, 2025
SEP End Date: February 28, 2026

Counties: Hunterdon, Morris, Passaic, Sussex, Warren

Oregon (Drought Emergency – EO 25-13) – Governor Declared a State of Emergency on July 10,2025
Incident Period: July 2, 2025 – December 31, 2025
SEP Start Date: July 2, 2025
SEP End Date: February 28, 2026
Counties: Lincoln

Oregon (Statewide Fire Danger Situation – EO 25-16) – Governor Declared a State of Emergency on July 16, 2025
Incident Period: July 16, 2025 – December 31, 2025
SEP Start Date: July 16, 2025
SEP End Date: February 28, 2026
Counties: Entire State

Oregon (Drought Emergency – EO 25-18) – Governor Declared a State of Emergency on August 1,2025
Incident Period: July 2, 2025 – December 31, 2025
SEP Start Date: July 2, 2025
SEP End Date: February 28, 2026
Counties: Douglas, Morrow, Union

Oregon (Persistent Moderate Drought Conditions – EO 25-19) – Governor Declared a State of Emergency on August 15, 2025
Incident Period: August 13, 2025 – December 31, 2025
SEP Start Date: August 13, 2025
SEP End Date: February 28, 2026
Counties: Coos, Wheeler

Oregon (Olympic Pipeline Shutdown – EO 25-30) – Governor Declared a State of Emergency on November 24, 2025
Incident Period: November 19, 2025 – December 24, 2025
SEP Start Date: November 19, 2025
SEP End Date: February 28, 2026
Counties: Entire State

Texas (Border Security) – Governor Declared a State of Emergency on May 31, 2022 – Renewed November 18, 2025
Incident Period: May 31, 2022 – December 18, 2025
SEP Start Date: May 31, 2022
SEP End Date: February 28, 2026
Counties: Aransas, Atascosa, Bee, Brewster, Brooks, Caldwell, Calhoun, Cameron, Chambers, Coleman, Colorado, Crane, Crockett, Culberson, DeWitt, Dimmit, Duval, Edwards, El Paso, Frio, Galveston, Goliad, Gonzales, Hidalgo, Hudspeth, Jackson, Jeff Davis, Jim Hogg, Jim Wells, Karnes, Kenedy, Kerr, Kimble, Kinney, Kleberg, La Salle, Lavaca, Live Oak, Mason, Matagorda, Maverick, McCulloch, McLennan, McMullen, Medina, Menard, Midland, Pecos, Presidio, Real, Refugio, San Jacinto, San Patricio, Schleicher, Shackelford, Starr, Sutton, Terrell, Throckmorton, Upton, Uvalde, Val Verde, Victoria, Webb, Wharton, Wilbarger, Wilson, Zapata, Zavala

Texas (Texas Drought) – Governor Amended a State of Emergency on July 8, 2022 – Renewed on November 18, 2025

Incident Period: July 8, 2022 – December 18, 2025
SEP Start Date: July 8, 2022
SEP End Date: February 28, 2026
Counties: Aransas, Atascosa, Bandera, Bee, Bell, Bexar, Blanco, Brewster, Burnet, Cameron, Clay, Collingsworth, Comal, Comanche, Culberson, Donley, El Paso, Foard, Frio, Gillespie, Gonzales, Grayson, Guadalupe, Hall, Hardeman, Hays, Hidalgo, Hudspeth, Jeff Davis, Karnes, Kendall, Kerr, Kinney, Kleberg, Lavaca, Live Oak, Llano, Lubbock, Matagorda, McMullen, Medina, Midland, Nueces, Pecos, Presidio, Real, San Patricio, Terrell, Travis, Uvalde, Val Verde, Victoria, Wharton, Willacy, Williamson, Zapata

Texas (Heavy Rainfall and Flooding) – Governor Declared a State of Emergency on July 4, 2025 –Renewed on November 18, 2025
Incident Period: July 2, 2025 – December 18, 2025
SEP Start Date: July 2, 2025
SEP End Date: February 28, 2026
Counties: Bandera, Bexar, Burnet, Caldwell, Coke, Comal, Concho, Edwards, Gillespie, Guadalupe, Hamilton, Kendall, Kerr, Kimble, Kinney, Lampasas, Llano, Mason, Maverick, Mcculloch, Menard, Real, Reeves, San Saba, Schleicher, Sutton, Tom Green, Travis, Uvalde, Williamson

Texas (Increased Fire Weather Conditions) – Governor Declared a State of Emergency on August12, 2025 – Renewed on November 9, 2025
Incident Period: August 10, 2025 – December 9, 2025
SEP Start Date: August 10, 2025
SEP End Date: February 28, 2026
Counties: Anderson, Angelina, Aransas, Archer, Armstrong, Atascosa, Austin, Bandera, Bastrop, Baylor, Bee, Bell, Bexar, Blanco, Borden, Bosque, Bowie, Brazos, Briscoe, Brooks, Brown, Burleson, Burnet, Caldwell, Calhoun, Callahan, Cameron, Camp, Cass, Cherokee, Childress, Clay, Coke, Coleman, Collin, Collingsworth, Colorado, Comal, Comanche, Concho, Cooke, Coryell, Cottle, Crosby, Dallas, Delta, Denton, Dewitt, Dickens, Dimmit, Donley, Duval, Eastland, Edwards, Ellis, Erath, Falls, Fannin, Fayette, Fisher, Floyd, Foard, Franklin, Freestone, Frio, Garza, Gillespie, Glasscock, Goliad, Gonzales, Grayson, Gregg, Grimes, Guadalupe, Hale, Hall, Hamilton, Hardeman, Harrison, Haskell, Hays, Henderson, Hidalgo, Hill, Hood, Hopkins, Houston, Howard, Hunt, Irion, Jack, Jackson, Jim Hogg, Jim Wells, Johnson, Jones, Karnes, Kaufman, Kendall, Kenedy, Kent, Kerr, Kimble, King, Kinney, Kleberg, Knox, La Salle, Lamar, Lampasas, Lavaca, Lee, Leon, Limestone, Live Oak, Llano, Lubbock, Lynn, Madison, Marion, Mason, Matagorda, Maverick, Mcculloch, Mclennan, Mcmullen, Medina, Menard, Milam, Mills, Mitchell, Montague, Morris, Motley, Nacogdoches, Navarro, Nolan, Nueces, Palo Pinto, Panola, Parker, Rains, Reagan, Real, Red River, Refugio, Robertson, Rockwall, Runnels, Rusk, Sabine, San Augustine, San Patricio, San Saba, Schleicher, Scurry, Shackelford, Shelby, Smith, Somervell, Starr, Stephens, Sterling, Stonewall, Sutton, Swisher, Tarrant, Taylor, Throckmorton, Titus, Tom Green, Travis, Trinity, Upshur, Uvalde, Van Zandt, Victoria, Walker, Washington, Webb, Wharton, Wichita, Wilbarger, Willacy, Williamson, Wilson, Wise, Wood, Young, Zapata, Zavala

Washington (Olympic Pipeline Shutdown – EO 25-06) – Governor declared a State of Emergency on November 19, 2025
Incident Period: November 11, 2025 – December 19, 2025
SEP Start Date: November 11, 2025
SEP End Date: February 28, 2026
Counties: Entire State

Washington (Atmospheric River and Winter Weather Event– EO 25-07) – Governor declared a State of Emergency on December 2, 2025
Incident Period: December 2, 2025 – December 24, 2025
SEP Start Date: December 2, 2025
SEP End Date: February 28, 2026
Counties: Entire State

Alabama (Severe Weather) – Governor declared a State of Emergency on January 22, 2026
Incident Period:
January 23, 2026 – March 24, 2026
SEP Start Date:
January 22, 2026
SEP End Date:
May 31, 2026
Counties:
Entire state

Arkansas (Winter Storm– EO 2026-03) – Governor declared a State of Emergency on January 22, 2026
Incident Period:
January 23, 2026 – February 22, 2026
SEP Start Date:
January 22, 2026
SEP End Date:
April 30, 2026
Counties:
Entire State

California (California Canyon Fire – FM-5605-CA) – FEMA Declared a Major Disaster on August 8,2025
Incident Period: August 7, 2025 – August 8, 2026
SEP Start Date: August 7, 2025
SEP End Date: October 31, 2026
Counties: Los Angeles

California (Pack County Fire in Mono County – CAG4600001) – Governor Declared a State of Emergency on December 9, 2025
Incident Period: November 13, 2025 – February 7, 2025
SEP Start Date: November 13, 2025
SEP End Date: April 30, 2026
Counties: Mono

California (Tsunami Risk – CAG4601401 – Governor Declared a State of Emergency on December 23, 2025
Incident Period: July 29, 2025 – February 21, 2026
SEP Start Date: July 29, 2025
SEP End Date: April 30, 2026
Counties: Del Norte

California (August Storms and Mudslides – CAG4601401 – Governor Declared a State of Emergency on December 23, 2025
Incident Period: August 23, 2025 – February 21, 2026
SEP Start Date: August 23, 2025
SEP End Date: April 30, 2026
Counties: Sierra

California (August Monsoons – CAG4601401 – Governor Declared a State of Emergency on December 23, 2025
Incident Period: August 24, 2025 – February 21, 2026
SEP Start Date: August 24, 2025
SEP End Date: April 30, 2026
Counties: Imperial

California (Gifford Fire – CAG4601401 – Governor Declared a State of Emergency on December 23, 2025
Incident Period: August 1, 2025 – February 21, 2026
SEP Start Date: August 1, 2025
SEP End Date: April 30, 2026
Counties: San Luis Obispo, Santa Barbara

California (January Windstorm Event – CAG4601401 – Governor Declared a State of Emergency on December 23, 2025
Incident Period: January 7, 2025 – February 21, 2026
SEP Start Date: January 7, 2025
SEP End Date: April 30, 2026
Counties: San Bernardino

California (Late December Storms– CAG4601501 – Governor Declared a State of Emergency on December 24, 2025
Incident Period: December 23, 2025 – February 22, 2026
SEP Start Date: December 23, 2025
SEP End Date: April 30, 2026
Counties: Los Angeles, Orange, Riverside, San Bernardino, San Diego, Shasta

Delaware (Winter Storm) – Governor Declared a State of Emergency on January 23, 2026
Incident Period:
January 25, 2026- February 24, 2026
SEP Start Date: January 23, 2026
SEP End Date:
April 30, 2026
Counties:
Entire State

District of Columbia (Winter Storm MO2026-005) – Governor Declared a State of Emergency on January 23, 2026
Incident Period: January 24, 2026 – February 11, 2026
SEP Start Date: January 23, 2026
SEP End Date: April 30, 2026
Counties: Entire State

Florida (Invest 97L – Hurricane Debby – EO 24-156 / EO 24-157 / EO 24-158/ EO 24-211 / EO 24-268 / EO 25-12 / EO 25-59 / EO 25-104 / EO 25-144 / EO 25-184 / EO 25-232) – Governor Declared a State of Emergency on August 1, 2024 – Renewed November 7, 2025
Incident Period: August 1, 2024 – January 6, 2026
SEP Start Date: August 1, 2024

SEP End Date: March 31, 2026
Counties: Alachua, Baker, Bradford, Charlotte, Citrus, Clay, Collier, Columbia, Dixie, Duval, Franklin, Gadsden, Gilchrist, Hamilton, Hernando, Hillsborough, Jefferson, Lafayette, Lake, Lee, Leon, Levy, Liberty, Madison, Manatee, Marion, Nassau, Pasco, Pinellas, Putnam, Sarasota, St.

Johns, Sumter, Suwannee, Taylor, Union, Wakulla

Florida (Potential Tropical Cyclone Nine - Hurricane Helene – EO 24-208 / EO 24-209 / EO 24-213/ EO 24-249 / EO 25-10 / EO 25-57 / EO 25-102 / EO 25-142 / EO 25-182 / EO 25-131) – Governor Declared a State of Emergency on September 23, 2024 – Renewed November 7, 2025
Incident Period: September 23, 2024 – January 6, 2026
SEP Start Date: September 23, 2024
SEP End Date: March 31, 2026
Counties: Alachua, Baker, Bay, Bradford, Brevard, Calhoun, Charlotte, Citrus, Clay, Collier, Columbia, DeSoto, Dixie, Duval, Escambia, Flagler, Franklin, Gadsden, Gilchrist, Glades, Gulf, Hamilton, Hardee, Hendry, Hernando, Highlands, Hillsborough, Holmes, Jackson, Jefferson, Lafayette, Lake, Lee, Leon, Levy, Liberty, Madison, Manatee, Marion, Monroe, Nassau, Okaloosa, Okeechobee, Orange, Osceola, Pasco, Pinellas, Polk, Putnam, Santa Rosa, Sarasota, Seminole, St.

Johns, Sumter, Suwannee, Taylor, Union, Volusia, Wakulla, Walton, Washington

Florida (Hurricane Milton – EO 24-214 / EO 24-215 / EO 24-216 / EO-264 / EO 25-26 / EO 25-150 / EO 25-242) – Governor Declared a State of Emergency on October 5, 2024 – Renewed on November 25, 2025
Incident Period: October 5, 2024 – January 24, 2026
SEP Start Date: October 5, 2024
SEP End Date: March 31, 2026
Counties: Alachua, Baker, Bradford, Brevard, Broward, Charlotte, Citrus, Clay, Collier, Columbia, Desoto, Dixie, Duval, Flagler, Gilchrist, Glades, Hamilton, Hardee, Hendry, Hernando, Highlands, Hillsborough, Indian River, Lafayette, Lake, Lee, Levy, Madison, Manatee, Marion, Martin, Miami-Dade, Monroe, Nassau, Okeechobee, Orange, Osceola, Palm Beach, Pasco, Pinellas, Polk, Putnam, Sarasota, Seminole, St. Johns, St. Lucie, Sumter, Suwannee, Taylor, Union, Volusia

Florida (Northwest Florida May Tornadoes – EO 25-101 / EO 24-142 / EO 25-181 / EO 25-230) –Governor Declared a State of Emergency on May 11, 2025 – Renewed November 7, 2025Incident Period: May 10, 2025 – January 6, 2026
SEP Start Date: May 10, 2025
SEP End Date: March 31, 2026
Counties: Holmes

Florida (Winter Weather– EO 26-33) – Governor Declared a State of Emergency on February 9, 2026
Incident Period: January 31, 2026 – April 10, 2026
SEP Start Date: January 31, 2026
SEP End Date: June 30, 2026
Counties: Entire state

Georgia (Winter Weather) – Governor declared a State of Emergency on January 22, 2026
Incident Period: January 23, 2026 – January 29, 2026
SEP Start Date: January 23, 2026
SEP End Date: March 31, 2026
Counties: Entire State

Hawaii (Wildfires – Twenty-Seventh Proclamation) – Governor Declared a State of Emergency on January 5, 2024 – Renewed November 7, 2025
Incident Period: November 6, 2023 – January 6, 2026
SEP Start Date: November 6, 2023
SEP End Date: March 31, 2026

Counties: Entire State

Hawaii Severe Weather Event) – Governor Declared a State of Emergency on February 6, 2026
Incident Period: February 7, 2026 – February 11, 2026
SEP Start Date: February 6, 2026
SEP End Date: March 31, 2026

Counties: Entire State

Indiana (Winter Storm EO 26-03) – Governor Declared a State of Emergency on January 23, 2026
Incident Period: January 23, 2026 - March 22, 2026
SEP Start Date: January 23, 2026
SEP End Date: May 31, 2026

Counties: Entire State

Kentucky (Severe Winter Storm E2026-047) – Governor declared a State of Emergency on January 23, 2026
Incident Period: January 24, 2026- February 23, 2026
SEP Start Date: January 23, 2026
SEP End Date: April 30, 2026
Counties: Entire State

Louisiana (Winter Weather) – Governor declared a State of Emergency on January 22, 2026
Incident Period: January 22, 2026 – February 22, 2026
SEP Start Date: January 22, 2026
SEP End Date: April 30, 2026
Counties: Entire state

Maryland (Winter Storm EO 01.01.2026.02) – Governor declared a State of Emergency on January 23, 2026
Incident Period: January 24, 2026 – February 23, 2026
SEP Start Date: January 23, 2026
SEP End Date: April 30, 2026
Counties: Entire State

Maryland (Winter Storm EO 01.01.2026.05) – Governor declared a State of Emergency on February 22, 2026
Incident Period: February 22, 2026 – February 23, 2026
SEP Start Date: February 22, 2026
SEP End Date: April 30, 2026
Counties: Entire State

Massachusetts (Severe Winter Storm) – Governor declared a State of Emergency on February 22, 2026
Incident Period: February 22, 2026 – March 24, 2026
SEP Start Date: February 22, 2026
SEP End Date: May 31, 2026
Counties: Entire State

Mississippi (Winter Storms) – Governor declared a State of Emergency on January 22, 2026
Incident Period: January 23, 2026 – January 27, 2026
SEP Start Date: January 23, 2026
SEP End Date: March 31, 2026
Counties: Entire State

Missouri (Winter Storm EO-26-05) – Governor Declared a State of Emergency on January 22, 2026
Incident Period: January 22, 2026 – February 22, 2026
SEP Start Date: January 22, 2026
SEP End Date: April 30, 2026
Counties: Entire State

Montana (Statewide Flooding - EO 09-2025) – Governor Declared a State of Emergency on Dec 8, 2025
Incident Period: December 8, 2025 – June 6, 2026
SEP Start Date: December 8, 2025
SEP End Date: August 31, 2026
Counties: Entire State

Montana (Severe Weather - EO 11-2025) – Governor Declared a State of Emergency on Dec 18, 2025
Incident Period: December 17, 2025 – January 31, 2026
SEP Start Date: December 17, 2025
SEP End Date: March 31, 2026
Counties: Entire State

New Jersey (Severe Winter Storm– EO 409) – Governor Declared a State of Emergency on December 26, 2025
Incident Period: December 26, 2025 – June 24, 2026
SEP Start Date: December 26, 2025
SEP End Date: August 31, 2026
Counties: Atlantic, Bergen, Burlington, Camden, Cape May, Cumberland, Essex, Gloucester, Hudson, Hunterdon, Mercer, Middlesex, Monmouth, Morris, Ocean, Passaic, Salem, Somerset, Sussex, Union, Warren

New Jersey (Severe Winter Storm– EO 8) – Governor Declared a State of Emergency on January 23, 2026
Incident Period: January 24, 2026 – January 26, 2026
SEP Start Date: January 23, 2026
SEP End Date: March 31, 2026
Counties: Entire state

New Jersey (Severe Winter Storm– EO 14) – Governor Declared a State of Emergency on February 21, 2026
Incident Period: February 22, 2026 – August 21, 2026
SEP Start Date: February 21, 2026
SEP End Date: October 31, 2026
Counties: Entire state

New Mexico (Winter Storm E2026-005) – Governor Declared a State of Emergency January 23, 2026
Incident Period: January 23, 2026
SEP Start Date: January 23, 2026
SEP End Date: April 30, 2026
Counties: Entire state

New Mexico (Trout Fire – EO 2025-236) – Governor Declared a State of Emergency on June 17,2025
Incident Period: June 12, 2025 – June 17, 2026
SEP Start Date: June 12, 2025
SEP End Date: August 31, 2026
Counties: Grant

New Mexico (Desert Willow Complex Fire – EO 2025-247) – Governor Declared a State of Emergency on June 24, 2025
Incident Period: June 21, 2025 – June 24, 2026
SEP Start Date: June 21, 2025
SEP End Date: August 31, 2026
Counties: Valencia

New Mexico (New Mexico Severe Storms, Flooding, and Landslides – EM-3628-NM) – FEMA Declared a Major Disaster on July 10, 2025
Incident Period: June 23, 2025 – July 10, 2026
SEP Start Date: June 23, 2025
SEP End Date: September 30, 2026
Counties: Chaves, Lincoln, Otero, Valencia

New Mexico (Flooding – EO 2025-333) – Governor Declared a State of Emergency on July 25,2025
Incident Period: July 22, 2025 – July 25, 2026
SEP Start Date: July 22, 2025
SEP End Date: September 30, 2026
Counties: Don Ana

New Mexico (Significant Increase in Crime – EO 2025-358 / EO 2025-366) – Governor Declared a State of Emergency on August 12, 2025 – Updated on September 16, 2025
Incident Period: August 12, 2025 – September 16, 2026
SEP Start Date: August 12, 2025
SEP End Date: November 30, 2026
Counties: Jicarilla Apache Reservation, Pueblos of Pojoaque, Ohkay Owingeh, Santa Clara, San Ildefonso, and Tesque, Rio Arriba, Santa Fe

New Mexico (Flooding – EO 2025-362) – Governor Declared a State of Emergency on August 29,2025
Incident Period: August 27, 2025 – August 29, 2026
SEP Start Date: August 27, 2025
SEP End Date: October 31, 2026
Counties: Mora

New Mexico (Significant Increase in Crime in Albuquerque – EO 2025-080 / EO 2025-368) –Governor Declared a State of Emergency on April 7, 2025 – Updated on September 18, 2025Incident Period: April 7, 2025 – September 18, 2026
SEP Start Date: April 7, 2025
SEP End Date: November 30, 2026

Counties: Bernalillo

New York (Winter Storm – EO 55) – Governor declared a State or Emergency on December 26, 2025
Incident Period: December 26, 2025 – January 25, 2026
SEP Start Date: December 26, 20205
SEP End Date: March 31, 2026
Counties: Albany, Bronx, Broome, Cayuga, Chenango, Columbia, Cortland, Delaware, Dutchess, Fulton, Greene, Herkimer, Kings, Madison, Montgomery, Nassau, New York, Oneida, Onondaga, Orange, Oswego, Otsego, Putnam, Queens, Rensselaer, Richmond, Rockland, Saratoga, Schenectady, Schoharie, Suffolk, Sullivan, Ulster, Wayne, Westchester

New York (Healthcare Staff Shortage – EO 56.1) – Governor declared a State or Emergency on January 9, 2026
Incident Period: January 9, 2026 – January 26, 2026
SEP Start Date: January 9, 2026
SEP End Date: March 31, 2026
Counties: Bronx, Nassau, New York

New York (Winter Storm– EO 57) – Governor declared a State or Emergency on January 23, 2026
Incident Period: January 23, 2026 – February 22, 2026
SEP Start Date: January 23, 2026
SEP End Date: April 30, 2026
Counties: Entire state

New York (Winter Storm– EO 58) – Governor declared a State or Emergency on February 21, 2026
Incident Period: February 22, 2026 – March 24, 2026
SEP Start Date: February 21, 2026
SEP End Date: May 31, 2026
Counties:
Albany, Bronx, Broome, Chenango, Columbia, Delaware, Dutchess, Greene, Herkimer, Kings, Madison, Montgomery, Nassau, New York, Orange, Otsego, Putnam, Queens, Rensselaer, Richmond, Rockland, Saratoga, Schenectady, Schoharie, Suffolk, Sullivan, Ulster, Washington, Westchester

North Carolina (Winter Storm EO 31) – Governor declared a State or Emergency on January 24, 2026
Incident Period: January 24, 2026 – February 23, 2026
SEP Start Date: January 21, 2026
SEP End Date: April 30, 2026
Counties: Entire state

Ohio (Winter Storm) – Governor declared a State or Emergency on January 22, 2026
Incident Period: January 24, 2026 – April 26, 2026
SEP Start Date: January 22, 2026
SEP End Date: June 30, 2026
Counties: Entire state

Oregon (Rowena Fire – EO 25-06) – Governor Declared a State of Emergency on April 1, 2025

Incident Period: June 11, 2025 – June 12, 2026
SEP Start Date: June 11, 2025
SEP End Date: August 31, 2026
Counties: Wasco

Oregon (Alder Springs Fire – EO 25-07) – Governor Declared a State of Emergency on June 17, 2025
Incident Period: June 16, 2025 – June 17, 2026
SEP Start Date: June 16, 2025
SEP End Date: August 31, 2026
Counties: Deschutes, Jefferson

Oregon (Rowena Wildfire – EO 25-28) – Governor Declared a State of Emergency on October 31,2025
Incident Period: June 18, 2025 – October 21, 2026
SEP Start Date: June 18, 2025
SEP End Date: December 31, 2026
Counties: Wasco

Pennsylvania (Winter Storm) – Governor declared a State of Emergency on January 23, 2026
Incident Period: January 23, 2026 – February 13, 2026
SEP Start Date: January 23, 2026
SEP End Date: April 30, 2026
Counties: Entire State

Pennsylvania (Complex Winter Storm) – Governor declared a State of Emergency on February 22, 2026
Incident Period: February 22, 2026 – March 15, 2026
SEP Start Date: February 22, 2026
SEP End Date: May 31, 2026
Counties:
Adams, Bedford, Berks, Blair, Bucks, Cambria, Carbon, Centre, Chester, Clearfield, Clinton, Cumberland, Dauphin, Delaware, Fayette, Franklin, Fulton, Indiana, Juniata, Lackawanna, Lancaster, Lebanon, Lehigh, Luzerne, Mifflin, Monroe, Montgomery, Northampton, Perry, Philadelphia, Pike, Schuylkill, Snyder, Somerset, Sullivan, Susquehanna, Union, Wayne, Westmoreland, Wyoming, York

Puerto Rico (Landslides – OE 2024-004) – Governor Declared a State of Emergency on January 2,2025
Incident Period: January 2, 2025 – January 2, 2026
SEP Start Date: January 2, 2025
SEP End Date: March 31, 2026
Counties: Entire Territory

Puerto Rico (Severe Weather and Flooding – OE 2025-022) – Governor Declared a State of Emergency on May 1, 2025
Incident Period: April 19, 2025 – May 1, 2026
SEP Start Date: April 19, 2025
SEP End Date: July 31, 2026
Counties: Aguas Buenas, Corozal, Naranjito, Orocovis

Puerto Rico (Severe Weather and Flooding – OE 2025-022) – Governor Declared a State of Emergency on July 30, 2025
Incident Period: July 30, 2025 – July 30, 2026
SEP Start Date: July 30, 2025
SEP End Date: September 30, 2026
Counties: Entire Territory

Rhode Island (Blizzard -Winter Storm– EO 26-02) – Governor declared a State of Emergency on February 22, 2026
Incident Period: February 22, 2026 – March 24, 2026
SEP Start Date: February 22, 2026
SEP End Date: May 31, 2026
Counties: Entire State

South Carolina (Winter Storm– EO 2026-02) – Governor declared a State of Emergency on January 21, 2026
Incident Period: January 24, 2026 – February 8, 2026
SEP Start Date: January 21, 2026
SEP End Date: April 30, 2026
Counties: Entire State

Tennessee (Winter Storms Eo-110) – Governor declared a State of Emergency on January 22, 2026
Incident Period: January 23, 2026 – February 5, 2026
SEP Start Date: January 23, 2026
SEP End Date: April 30, 2026
Counties: Entire State

Tennessee (Winter Storms) – FEMA declared a State of Emergency on February 6, 2026
Incident Period: January 22, 2026 – January 27, 2026
SEP Start Date: January 22, 2026
SEP End Date: May 31, 2026
Counties: Cheatham, Chester, Clay, Davidson, Hardin, Henderson, Hickman, Lewis, McNairy, Perry, Sumner, Trousdale, Wayne and Williamson counties.

Texas (Severe Winter Storm) – Governor declared a State of Emergency on January 22, 2026
Incident Period: January 22, 2026- February 21, 2026
SEP Start Date: January 23, 2026
SEP End Date: April 30, 2026
Counties: Andrews, Archer, Armstrong, Bailey, Bandera, Bastrop, Baylor, Bell, Bexar, Blanco, Borden, Bosque, Bowie, Brazoria, Brazos, Brewster, Briscoe, Brooks, Brown, Burleson, Burnet, Caldwell, Calhoun, Callahan, Cameron, Camp, Carson, Cass, Castro, Chambers, Cherokee, Childress, Clay, Cochran, Coke, Coleman, Collin, Collingsworth, Colorado, Comal, Comanche, Concho, Cooke, Coryell, Cottle, Crane, Crockett, Crosby, Culberson, Dallam, Dallas, Dawson, Deaf Smith, Delta, Denton, Dewitt, Dickens, Dimmit, Donley, Duval, Eastland, Ector, Edwards, El Paso, Ellis, Erath, Falls, Fannin, Fayette, Fisher, Floyd, Foard, Fort Bend, Franklin, Freestone, Frio, Gaines, Galveston, Garza, Gillespie, Glasscock, Goliad, Gonzales, Gray, Grayson, Gregg, Grimes, Guadalupe, Hale, Hall, Hamilton, Hansford, Hardeman, Hardin, Harris, Harrison, Hartley, Haskell, Hays, Hemphill, Henderson, Hidalgo, Hill, Hockley, Hood, Hopkins, Houston, Howard, Hudspeth, Hunt, Hutchinson, Irion, Jack, Jackson, Jasper, Jeff Davis, Jefferson, Jim Hogg, Jim Wells, Johnson, Jones, Karnes, Kaufman, Kendall, Kenedy, Kent, Kerr, Kimble, King, Kinney, Kleberg, Knox, La Salle, Lamar, Lamb, Lampasas, Lavaca, Lee, Leon, Liberty, Limestone, Lipscomb, Live Oak, Llano, Loving, Lubbock, Lynn, Madison, Marion, Martin, Mason, Matagorda, Maverick, Mcculloch, Mclennan, Mcmullen, Medina, Menard, Midland, Milam, Mills, Mitchell, Montague, Montgomery, Moore, Morris, Motley, Nacogdoches, Navarro, Newton, Nolan, Nueces, Ochiltree, Oldham, Orange, Palo Pinto, Panola, Parker, Parmer, Pecos, Polk, Potter, Presidio, Rains, Randall, Reagan, Real, Red River, Reeves, Refugio, Roberts, Robertson, Rockwall, Runnels, Rusk, Sabine, San Augustine, San Jacinto, San Patricio, San Saba, Schleicher, Scurry, Shackelford, Shelby, Sherman, Smith, Somervell, Starr, Stephens, Sterling, Stonewall, Sutton, Swisher, Tarrant, Taylor, Terrell, Terry, Throckmorton, Titus, Tom Green, Travis, Trinity, Tyler, Upshur, Upton, Uvalde, Val Verde, Van Zandt, Victoria, Walker, Waller, Ward, Washington, Webb, Wharton, Wheeler, Wichita, Wilbarger, Willacy, Williamson, Wilson, Winkler, Wise, Wood, Yoakum, Young

Virginia (Winter Storm– EO 11) – Governor declared a State of Emergency on January 22, 2026
Incident Period: January 22, 2026
SEP Start Date: January 22, 2026
SEP End Date: April 30, 2026
Counties: Entire State

Washington (Severe Storms, Straight-line Winds, Flooding, Landslides, and Mudslides) – FEMA declared a State of Emergency on December 23, 2025
Incident Period: December 9, 2025 – March 23, 2026
SEP Start Date: December 9, 2025
SEP End Date: May 31, 2026
Counties: Entire State

West Virginia (Winter Storm) – Governor declared a State of Emergency on January 22, 2026
Incident Period: January 22, 2026
SEP Start Date: January 22, 2026
SEP End Date: April 30, 2026
Counties: Entire State

Wisconsin (Flooding and Severe Weather – EO 272) – Governor declared a State of Emergency on August 11, 2025
Incident Period: August 9, 2025 – October 10, 2026
SEP Start Date: August 9, 2025
SEP End Date: December 31, 2026
Counties: Entire State

Wyoming (Red Canyon, Spring Creek, Mary’s Creek, and Sleeper Ranch Fires – EO 2025-05) –Governor declared a State of Emergency on August 17, 2025
Incident Period: August 13, 2025 – August 17, 2026
SEP Start Date: August 13, 2025
SEP End Date: October 31, 2026
Counties: Entire State

Wyoming (Ongoing Federal Government Shutdown – EO 2025-08) – Governor declared a State of Emergency on October 31, 2025
Incident Period: October 31, 2025 – October 31, 2026
SEP Start Date: October 31, 2025
SEP End Date: December 31, 2026
Counties: Entire State

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You've got questions, we have answers. Whether you are a consumer looking for coverage, or an agent wanting to join our team, we can make it happen. Click here and fill out the form. Our team will be in touch.

2022 Innovative Financial Group | All Rights Reserved | Terms & Privacy