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Cottonwood Fire and Floods (2026) Fire from June 22, 2026; flooding and mudslides July 13-24, 2026 · Utah Utah's Cottonwood Fire burned nearly 100,000 acres; July burn-scar floods hit 200+ homes. DR-4948 funds public repairs only. Fire is covered, flood is not. Hurricane Isaias (2026) October 6-11, 2026 · Florida, Alabama, Georgia Isaias struck near Destin, Florida, on Oct. 9, 2026 at 105 mph. Hurricane deductibles apply, FEMA aid is limited, and Florida's 1-year claim clock runs. Oregon Wildfires (2026) June-September 2026 (statewide emergency declared June 16, 2026) · Oregon Oregon's 2026 fires brought a state insurance emergency order: no cancellations, a premium grace period and extended claim deadlines through Oct. 29, 2026.