If you are in a federally declared disaster area, that does not mean free money.
It means that you gain an automatic extension on the deadline to file your tax return, and it means that you may be eligible to deduct losses from the storm that were not covered by insurance. However, the casultly loss deduction on your tax return has high barriers to actually getting any tax benefit, the loss must be more than 10% of your income before it starts to become deductible.
Other than those 2 things, checking the box for a disaster area doesn't change your tax return.
