FEMA Redraws Flood Maps That Could Sink Property Values
Published Date: 1/16/2025
Notice
Summary
FEMA has finalized updates to flood risk maps for certain communities, changing flood zones, flood heights, and boundaries. These updates affect homeowners, renters, and local governments by potentially changing flood insurance rules and costs. The new maps take effect on May 6, 2025, so folks should check their flood risk and insurance needs before then!
Analyzed Economic Effects
3 provisions identified: 1 benefits, 1 costs, 1 mixed.
Flood map changes that may alter insurance
FEMA finalized updates to flood maps for the listed communities (St. Mary's County, MD; Logan County, ND; Davison County, SD; Lunenburg County, VA) that may add or change Base Flood Elevations, base flood depths, Special Flood Hazard Area boundaries, zone designations, or regulatory floodways. These changes take effect on May 6, 2025 and may change flood insurance rules and costs for homeowners and renters in those communities.
Communities must adopt floodplain measures for NFIP
The Flood Insurance Rate Map (FIRM) and Flood Insurance Study (FIS) reports are the basis of the floodplain management measures a community is required to adopt or show are in effect so it can qualify or remain qualified for the National Flood Insurance Program (NFIP). The final determinations listed are tied to these requirements for the named communities.
Maps available — review by May 6, 2025
The revised FIRM and, if applicable, the FIS report for each listed community will be available for inspection at the community map repository addresses in the notice and online at the FEMA Map Service Center (https://msc.fema.gov) by May 6, 2025. Interested lessees and owners of real property are encouraged to review these materials to check flood risk and insurance needs.
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