New Flood Zone Changes Official, Review Your Risks Today
Published Date: 10/2/2025
Notice
Summary
Some communities are getting updated flood maps that show new flood risk areas and water levels. These changes affect homeowners, businesses, and local officials by changing flood insurance rules and possibly costs. The updates are official now, so folks should check their new flood zones and prepare for any insurance changes soon.
Analyzed Economic Effects
3 provisions identified: 0 benefits, 3 costs, 0 mixed.
Homeowner Flood Zone Changes Finalized
If you own a home in one of the listed communities, updated flood maps finalized by a Letter of Map Revision (LOMR) can change your property's flood zone, base flood elevation (BFE), or regulatory floodway. That can change whether flood insurance is required for your mortgage and may raise your flood insurance costs. Check the revised Flood Insurance Rate Maps (FIRMs) and Flood Insurance Study (FIS) reports for your community.
Business Property Flood Map Updates
If you own business property in one of the listed communities, the finalized LOMRs revise Flood Insurance Rate Maps (FIRMs) and may change Special Flood Hazard Area (SFHA) boundaries, base flood elevations, or regulatory floodways. Those changes can alter flood insurance rules that apply to businesses and may increase insurance or compliance costs for business property owners. Review the revised FIRMs and any updated Flood Insurance Study (FIS) reports for your community.
Local Officials: Maps and Rules Changed
Local officials in the listed communities: finalized Letters of Map Revision (LOMRs) revise Flood Insurance Rate Maps (FIRMs) and sometimes Flood Insurance Study (FIS) reports, changing SFHA boundaries, base flood elevations, and regulatory floodways. These finalized changes may require updates to local floodplain management, permitting, and enforcement of flood insurance rules.
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