FEMA Redraws Flood Maps, Your Insurance May Explode
Published Date: 1/8/2025
Notice
Summary
FEMA is updating flood risk maps for several communities, which could change flood zones and rules for flood insurance. If you live or own property in these areas, these changes might affect your insurance costs and building rules. You’ve got until April 8, 2025, to check the new maps and share your thoughts before the updates become official.
Analyzed Economic Effects
3 provisions identified: 1 benefits, 1 costs, 1 mixed.
Map Changes May Alter Flood Insurance
If you live or own property in the listed communities in Missouri or Sabine County, Texas, FEMA’s proposed flood map changes could move your property into or out of Special Flood Hazard Areas and change Base Flood Elevations. Those map changes may change whether you must buy National Flood Insurance Program (NFIP) coverage and could raise or lower your flood insurance costs and affect building requirements.
Communities Must Meet NFIP Management Rules
Communities listed must adopt or show they already have floodplain management measures required by 44 CFR 60.3 to qualify or remain in the National Flood Insurance Program (NFIP). If your community adopts new measures, local building and permitting rules may change and affect property owners.
Review Maps and Comment by April 8, 2025
You can inspect the Preliminary Flood Insurance Rate Maps and Flood Insurance Study reports online and at local repositories and submit comments or appeals identified by Docket No. FEMA-B-2484 by April 8, 2025. If a community and FEMA cannot resolve an appeal after at least 60 days of collaborative consultation, the community may request a Scientific Resolution Panel (SRP) to review technical disputes.
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Previous / Next Documents
Previous: 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!
Next: 2025-00244, Proposed Flood Hazard Determinations
FEMA is updating flood risk maps for several communities, which could change flood zones and insurance rules. If you live or work in these areas, these changes might affect your flood insurance costs and building rules. You’ve got until April 8, 2025, to share your thoughts before the updates become official.