FEMA Updates Flood Zones: Insurance Rates May Shift
Published Date: 3/26/2025
Notice
Summary
Some communities have new flood risk updates based on fresh 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, so check the new maps soon. These updates kick in right away for new and renewed policies, helping everyone stay safe and prepared.
Analyzed Economic Effects
2 provisions identified: 0 benefits, 0 costs, 2 mixed.
Flood map changes may alter costs
Some communities have new flood hazard determinations (changes to Base Flood Elevations, base flood depths, Special Flood Hazard Area boundaries, zone designations, or regulatory floodways). If you live in or own property in those listed communities, your flood insurance rules and costs might change because the official Flood Insurance Rate Maps and Flood Insurance Study reports were revised.
New maps apply immediately to policies
The revised maps and the current effective community number must be used for all new and renewed flood insurance policies, and these updates take effect right away for new and renewed policies. If you buy or renew a flood insurance policy for a listed community, the insurer will apply the updated map information immediately.
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