<prompt> Human: Ill try to keep this as brief as possible. I am in the US NAVY and stationed in Pearl Harbor, HI. I rent a property in Georgia that flooded during Hurricane Irma. I do not have flood insurance because my home is not in flood plain and there is no history of the area ever flooding before. I cannot make my mortgage payments with my rent. The house is unlivable so that means no rent. The area has not been declared a National Disaster Area so I cannot apply for FEMA.So, I basically have a flooded house that I owe roughly 135,000 on with no insurance, no FEMA, and no money for repairs.Request any information or suggestions. Thank you all in advance.Update 1: Thank you everyone for your feedback. I am continuing to fight the good fight and hope their is some light at the end of the tunnel. Keep the recommendations coming.Update 2: 91317 0940 Once again than you everyone for your advice and recommendations. Heres the update...Bank of America has granted me amnesty from my mortgage for the next 3 months. HOOYAH! The tenants have removed the old carpet from the house they took pictures before and after. My mother and brother hes a contractor are going to make the trip from Louisiana to assist in repairs. They have agreed to float the expenses for me until I can pay them back. HOOYAH FOR FAMILY! I have applied for assistance under the Georgia Emergency Management Agency GEMA since my area has not been declared a Federal Disaster yet. So waiting to hear from them. My property manager has been in contact and told me that the renters have moved out in town with friends for the foreseeable future. They will be placing the utilities in their companys name to retain service until repairs are complete. I will have to repay them for utility expenses at the end of every month. I have sought out the assistance of the Naval resources available but they will only cover minimum expense cost such as food, car repairs, etc. They dont handle anything as large as home repairs cost on this scale.  <response>: At some point, Fema will start offering very low interest loans. 