Youre sure thats the rule for federal disasters?

This is from the front page of the instructions for the 4684

Personal casualty and theft losses attributable to a federally declared
disaster are subject to the $100 per casualty and 10% of your adjusted
gross income (AGI) reductions unless they are attributable to a qualified
disaster loss.
Personal casualty and theft losses attributable to a qualified disaster
loss are not subject to the 10% of the AGI reduction and the $100
reduction is increased to $500.