FEMA Locks in Flood Changes: Time to Review Your Risks
Published Date: 2/24/2025
Notice
Summary
FEMA just updated flood risk maps for several communities, changing flood zones, flood heights, and special hazard areas. If you live or own property in these places, your flood insurance and building rules might change soon. These updates are final, so check your local map or online to see how it affects you and your wallet.
Analyzed Economic Effects
3 provisions identified: 1 benefits, 1 costs, 1 mixed.
Finalized Flood Map Changes for Listed Communities
FEMA finalized new or modified Base (1-percent annual chance) Flood Elevations (BFEs), base flood depths, Special Flood Hazard Area (SFHA) boundaries, and/or regulatory floodways for the communities listed in the table. The LOMRs were finalized on the dates shown in the table (examples include Dec. 26, 2024; Dec. 27, 2024; Jan. 9, 2025). If you own or lease property in those communities, your flood insurance and building rules might change and you should check the local repository or FEMA Map Service Center online.
Communities Must Adopt Floodplain Measures to Stay in NFIP
FEMA states that the new or modified flood hazard information is the basis for floodplain management measures that each listed community is required either to adopt or to show are already in effect in order to remain qualified for participation in the National Flood Insurance Program (NFIP). This requirement applies when the LOMR revisions (finalized on the dates in the table) affect a community's maps.
Use Updated Community Number for Policies and Renewals
FEMA notes that the currently effective community number shown in the LOMR table must be used for all new flood insurance policies and renewals. The final LOMRs and related map updates are available for inspection at each Community Map Repository listed in the table and online via the FEMA Map Service Center.
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Key Dates
Department and Agencies
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Hey, communities! FEMA just updated flood maps with new flood risk info based on fresh science. If you live or own property in these areas, your flood insurance rules might change soon. You’ve got 90 days after local notices to ask for a review, so keep an eye out and act fast to avoid surprises!