Flood Map Changes Effective: Stay Prepared Communities
Published Date: 3/12/2025
Notice
Summary
Some communities have new flood risk updates based on better science, changing flood zones and water levels on official maps. If you live or own property in these areas, your flood insurance rules and costs might change soon. These updates kick in with new policies and renewals, so keep an eye on your community’s flood map number to stay ahead!
Analyzed Economic Effects
2 provisions identified: 0 benefits, 0 costs, 2 mixed.
Flood map changes may alter insurance
FEMA updated flood hazard determinations — things like Base Flood Elevations (BFEs), base flood depths, Special Flood Hazard Area (SFHA) boundaries or zone designations, and regulatory floodways — on revised Flood Insurance Rate Maps (FIRMs) and supporting Flood Insurance Study (FIS) reports. If you live in or own property in the affected communities, your flood insurance rules and costs might change as those map revisions take effect.
New community number used for policies
FEMA says the currently effective community number shown in the table must be used for all new flood insurance policies and for renewals. That means insurers and agents should apply the revised map data from the listed community number when issuing new policies or renewing existing ones.
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