Changes in Flood Hazard Determinations
Published Date: 1/8/2025
Notice
Summary
FEMA just updated flood risk maps for several communities, changing flood zones and water levels that affect flood insurance rules. If you live or own property in these areas, your flood insurance costs or requirements might change soon. These updates are final and already published, so check your local maps or online to see how you’re impacted and plan ahead!
Analyzed Economic Effects
4 provisions identified: 1 benefits, 0 costs, 3 mixed.
Final flood map changes for listed communities
You may live in or own property in a community where FEMA finalized changes to Base Flood Elevations (BFEs), Special Flood Hazard Area (SFHA) boundaries, zone designations, or regulatory floodways. The notice lists final LOMR dates for many communities (for example, Dec 2, 2024 through Jan 9, 2025); these map changes revise Flood Insurance Rate Maps (FIRMs) and could change your flood insurance costs or requirements.
Updated maps govern new policies and renewals
If you buy or renew flood insurance in one of the listed communities, the currently effective community number and the revised maps must be used for all new policies and renewals. The notice says the currently effective community number shown in the LOMR "must be used for all new policies and renewals."
Communities must meet NFIP floodplain rules
Communities with new or modified flood hazard information must adopt or show evidence of required floodplain management measures to remain qualified for the National Flood Insurance Program (NFIP). The notice states that the new information "is the basis for the floodplain management measures that the community is required either to adopt or to show evidence of being already in effect."
Owners encouraged to review final maps online
FEMA made each LOMR available at the listed Community Map Repository and online at the FEMA Map Service Center (https://msc.fema.gov). The notice explicitly encourages lessees and owners of real property to review the final flood hazard information at those locations to see how they are impacted.
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Previous / Next Documents
Previous: 2025-00240, Changes in Flood Hazard Determinations
FEMA just updated flood risk maps for several communities, changing flood zones and water levels where floods might happen. If you live or own property in these areas, your flood insurance and building rules could change soon. These updates are final, so check the new maps online or at your local office to see how it affects you and your wallet.
Next: 2025-00242, Changes in Flood Hazard Determinations
FEMA is updating flood maps for certain communities using new science, changing flood risk zones and water levels. If you live in these areas, your flood insurance rules might change soon, so check the new maps online or locally. You’ve got 90 days after local notice to ask for a review, so don’t wait if you think the changes aren’t right!