Review and Respond: FEMA's Flood Map Proposals
Published Date: 3/12/2025
Notice
Summary
FEMA is asking for your thoughts on new flood risk maps that could change flood zones and water levels in certain communities. These updates might affect flood insurance rules and costs, so it’s important for local folks and property owners to pay attention. You’ve got a chance to comment before the changes become official, so don’t miss out!
Analyzed Economic Effects
3 provisions identified: 1 benefits, 1 costs, 1 mixed.
Flood map changes can alter insurance
FEMA is proposing changes to flood maps that may change Base Flood Elevations (BFEs), base flood depths, Special Flood Hazard Area (SFHA) boundaries or zones, or regulatory floodways for specific communities. These map updates might affect flood insurance rules and costs for property owners in the affected communities. You can review the proposed Flood Insurance Rate Maps (FIRMs) and Flood Insurance Study (FIS) reports for your community.
Communities must adopt floodplain rules
The preliminary FIRM and FIS reports are the basis for the floodplain management measures that a community must adopt or show evidence of having in effect. Communities need these measures in order to qualify or remain qualified for participation in the National Flood Insurance Program (NFIP).
Public comment chance before maps finalize
FEMA is asking for public comments on the proposed flood hazard determinations and the preliminary FIRMs and FIS reports for the listed communities. If you live in or own property in those communities, you have a chance to review and submit input before the changes become official.
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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: 2025-03896, Proposed Flood Hazard Determinations
FEMA is asking for your thoughts on new flood risk maps that could change flood zones and water levels in certain communities. These updates might affect flood insurance rules and costs, so if you live or work in these areas, now’s the time to speak up. Act fast—your feedback helps shape safer neighborhoods and insurance options!
Next: 2025-03898, Final Flood Hazard Determinations
The government just finalized updates to flood risk maps for certain communities, changing flood zone boundaries and water levels. If you live or own property in these areas, these changes could affect your flood insurance and building rules. Communities must act quickly to stay in the flood insurance program and keep their coverage options open.