I answered all of the questions correctly and this is not a COVID related distribution. Per IRS guidelines if it's from a qualified plan for a qualified FEMA declared disaster you shouldn't have to pay the 10% penalty and there is a cap of $22,000 (not $100,000 like turbotax says - that was for 2020 covid -related only). I checked the forms availability with the tool and it only shows 8915-F for 2020, but isn't it the same form?
