FEMA Revises Flood Risks: Check Your Property's New Zone Now
Published Date: 2/24/2025
Notice
Summary
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!
Analyzed Economic Effects
5 provisions identified: 2 benefits, 1 costs, 2 mixed.
Flood maps revised for listed communities
FEMA has revised flood hazard determinations (Base Flood Elevations, base flood depths, Special Flood Hazard Area boundaries or zone designations, or the regulatory floodway) for the communities listed in the table. These revisions are reflected by Letters of Map Revision (LOMR) that revise the Flood Insurance Rate Map (FIRM) and, where applicable, portions of the Flood Insurance Study (FIS) report, and are finalized on the dates shown in the table (examples include Feb 28, Mar 21, Apr 8, Apr 21, Apr 28, and May 2, 2025).
Maps drive community NFIP requirements
The FIRM and FIS report are the basis for the floodplain management measures that a community is required to adopt or show evidence of having in effect in order to qualify or remain qualified for participation in the National Flood Insurance Program (NFIP). These flood hazard determinations, together with the floodplain management criteria required by 44 CFR 60.3, are the minimum that communities must meet, though communities may keep or adopt stricter standards.
Use updated community number for policies
The currently effective community number shown in the table must be used for all new flood insurance policies and for renewals. This means insurers and policyholders must reference the community number listed in the notice when issuing or renewing policies for the listed communities.
90-day window to request reconsideration
From the date of the second publication of notification in a local newspaper, any person has 90 days to ask the community to request that FEMA's Deputy Associate Administrator for Insurance and Mitigation reconsider the flood hazard determinations. Flood hazard determination information may change during this 90-day period.
Where to inspect revised flood information
Revised flood hazard information for each listed community is available for inspection online at the FEMA Map Service Center (https://msc.fema.gov) and at the community map repository addresses listed in the table in this notice. The current effective FIRM and FIS reports are also accessible online through the FEMA Map Service Center for comparison.
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Key Dates
Department and Agencies
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Previous / Next Documents
Previous: 2025-02979, Changes in Flood Hazard Determinations
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.
Next: 2025-02981, Changes in Flood Hazard Determinations
FEMA is updating flood maps for certain communities using new science and data. These changes affect flood risk zones, which can impact insurance rules and costs. People have 90 days after local notice to ask for a review before the updates become final.