FEMA Updates Flood Maps: Check Your Insurance Now
Published Date: 3/12/2025
Notice
Summary
Some communities have new flood risk maps that change where floods might happen and how deep they could be. These updates affect homeowners, businesses, and local officials by changing flood insurance rules and costs. The changes are official now, so folks should check their flood zones and insurance soon to stay protected and avoid surprises.
Analyzed Economic Effects
3 provisions identified: 0 benefits, 0 costs, 3 mixed.
Finalized flood map changes for homeowners
You may see your property's flood zone, base flood elevation, or flood depth change because FEMA finalized new flood hazard determinations and Letters of Map Revision that revise local Flood Insurance Rate Maps and sometimes Flood Insurance Study reports. That can change whether you must carry flood insurance and how much your insurance costs, so check your property's mapped zone and insurance coverage soon.
Finalized flood map changes for businesses
If you run a business in one of the listed communities, FEMA finalized Letters of Map Revision that revise Flood Insurance Rate Maps and sometimes Flood Insurance Study reports. These revisions can change flood zone designations, regulatory floodways, and base flood elevations, which can alter flood insurance requirements and costs for businesses in those areas.
Local officials must use revised flood maps
Local officials in the listed communities have finalized changes to base flood elevations, Special Flood Hazard Area boundaries, zone designations, and regulatory floodways as shown on Letters of Map Revision, which revise local Flood Insurance Rate Maps and sometimes Flood Insurance Study reports. Officials will need to rely on the revised maps for local floodplain management, permitting, and enforcement decisions in those communities.
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Key Dates
Department and Agencies
Related Federal Register Documents
2026-15944, Changes in Flood Hazard Determinations
New or modified Base (1-percent annual chance) Flood Elevations (BFEs), base flood depths, Special Flood Hazard Area (SFHA) boundaries or zone designations, and/or regulatory floodways (hereinafter referred to as flood hazard determinations) as shown on the indicated Letter of Map Revision (LOMR) for each of the communities listed in the table below are finalized. Each LOMR revises the Flood Insurance Rate Maps (FIRMs), and in some cases the Flood Insurance Study (FIS) reports, currently in effect for the listed communities.
2026-15946, Changes in Flood Hazard Determinations
New or modified Base (1-percent annual chance) Flood Elevations (BFEs), base flood depths, Special Flood Hazard Area (SFHA) boundaries or zone designations, and/or regulatory floodways (hereinafter referred to as flood hazard determinations) as shown on the indicated Letter of Map Revision (LOMR) for each of the communities listed in the table below are finalized. Each LOMR revises the Flood Insurance Rate Maps (FIRMs), and in some cases the Flood Insurance Study (FIS) reports, currently in effect for the listed communities.
2026-15943, Proposed Flood Hazard Determinations
Comments are requested on proposed flood hazard determinations, which may include additions or modifications of any Base Flood Elevation (BFE), base flood depth, Special Flood Hazard Area (SFHA) boundary or zone designation, or regulatory floodway on the Flood Insurance Rate Maps (FIRMs), and where applicable, in the supporting Flood Insurance Study (FIS) reports for the communities listed in the table below. The purpose of this notice is to seek general information and comment regarding the preliminary FIRM, and where applicable, the FIS report that the Federal Emergency Management Agency (FEMA) has provided to the affected communities. The FIRM and FIS report are the basis of the floodplain management measures that the community is required either to adopt or to show evidence of having in effect in order to qualify or remain qualified for participation in the National Flood Insurance Program (NFIP).
2026-15942, Final Flood Hazard Determinations
Flood hazard determinations, which may include additions or modifications of Base Flood Elevations (BFEs), base flood depths, Special Flood Hazard Area (SFHA) boundaries or zone designations, or regulatory floodways on the Flood Insurance Rate Maps (FIRMs) and where applicable, in the supporting Flood Insurance Study (FIS) reports have been made final for the communities listed in the table below. The FIRM and FIS report are the basis of the floodplain management measures that a community is required either to adopt or to show evidence of having an effect in order to qualify or remain qualified for participation in the Federal Emergency Management Agency's (FEMA's) National Flood Insurance Program (NFIP).
2026-15938, Proposed Flood Hazard Determinations
Comments are requested on proposed flood hazard determinations, which may include additions or modifications of any Base Flood Elevation (BFE), base flood depth, Special Flood Hazard Area (SFHA) boundary or zone designation, or regulatory floodway on the Flood Insurance Rate Maps (FIRMs), and where applicable, in the supporting Flood Insurance Study (FIS) reports for the communities listed in the table below. The purpose of this notice is to seek general information and comment regarding the preliminary FIRM, and where applicable, the FIS report that the Federal Emergency Management Agency (FEMA) has provided to the affected communities. The FIRM and FIS report are the basis of the floodplain management measures that the community is required either to adopt or to show evidence of having in effect in order to qualify or remain qualified for participation in the National Flood Insurance Program (NFIP).
2026-15941, Final Flood Hazard Determinations
Flood hazard determinations, which may include additions or modifications of Base Flood Elevations (BFEs), base flood depths, Special Flood Hazard Area (SFHA) boundaries or zone designations, or regulatory floodways on the Flood Insurance Rate Maps (FIRMs) and where applicable, in the supporting Flood Insurance Study (FIS) reports have been made final for the communities listed in the table below. The FIRM and FIS report are the basis of the floodplain management measures that a community is required either to adopt or to show evidence of having an effect in order to qualify or remain qualified for participation in the Federal Emergency Management Agency's (FEMA's) National Flood Insurance Program (NFIP).
Previous / Next Documents
Previous: 2025-03890, Proposed Extension of Information Collection Request Submitted for Public Comment; Comment Request on Burden Related to Taxation of Gain or Loss From Certain Nonfunctional Currency Transactions
The IRS wants your thoughts on how much paperwork people have to do when reporting profits or losses from certain foreign currency deals. This affects anyone dealing with these currency transactions and aims to keep tax rules clear without extra hassle. They’re asking for comments now to help decide if the current process needs changes or can stay the same.
Next: 2025-03892, Changes in Flood Hazard Determinations
Some communities have new or updated flood risk maps because of better science and data. These changes affect flood insurance rules, so if you live or own property in these areas, your insurance might change. The updates take effect soon, so check your community’s new flood zone info to stay protected and avoid surprises.