New Flood Maps Alter Risks and Insurance Rates
Published Date: 3/26/2025
Notice
Summary
Some communities just got updated flood maps that show new flood risks and zones. These changes affect homeowners, businesses, and local officials by changing where flood insurance is needed and how much it might cost. The updates are official now, so folks should check their new flood zones and get ready for any insurance or building rule changes.
Analyzed Economic Effects
2 provisions identified: 0 benefits, 0 costs, 2 mixed.
Finalized flood map changes affect insurance
New flood hazard determinations are finalized for listed communities, changing flood zones and where flood insurance is required. If your property is in one of those communities, the change can alter whether you must buy flood insurance and may change how much your premiums cost, so you should check your new flood zone.
Map updates may change building and permit rules
The finalized revisions update Base Flood Elevations, Special Flood Hazard Area boundaries, and regulatory floodways as shown on Letters of Map Revision (LOMRs). Local officials and property owners in the listed communities should prepare for possible changes to building rules, permits, or development limits based on the revised maps.
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Key Dates
Department and Agencies
Related Federal Register Documents
2026-13898, Changes in Flood Hazard Determinations
FEMA just updated flood risk maps for several communities, changing flood zones and water levels that affect flood insurance rules. If you live or own property in these areas, your insurance rates or building rules might change soon. These updates are final and already published, so check your local map or online to see how it impacts you and your wallet.
2026-13901, Proposed Flood Hazard Determinations
FEMA is updating flood risk maps for several communities, which could change flood zones and rules for flood insurance. If you live in these areas, your flood insurance costs or requirements might change, so check the new maps and share your thoughts by October 7, 2026. These updates help communities stay safe and keep their flood insurance programs running smoothly.
2026-13900, Changes in Flood Hazard Determinations
FEMA is updating flood risk maps for several communities based on new science, changing flood zones, water levels, and boundaries. If you live or own property in these areas, your flood insurance rules and costs might change soon. You’ve got 90 days after local notice to ask for a review before the updates become final, so keep an eye out and act fast!
2026-13897, Changes in Flood Hazard Determinations
FEMA just updated flood risk maps for several communities, changing flood zones and water levels that affect flood insurance rules. If you live or own property in these areas, your insurance rates or building rules might change soon. These updates are final and already published, so check your local map or online to see how it impacts you and your wallet.
2026-13899, Changes in Flood Hazard Determinations
FEMA is updating flood maps for certain communities using new science to better show flood risks. If you live or own property in these areas, your flood insurance rules might change soon, so check the new maps and act fast! You’ve got 90 days after local notices to ask for a review, and these updates could affect your insurance costs and safety plans.
2026-12399, Rescinding Portions of DHS Title VI Regulations To Conform More Closely With the Statutory Text and To Implement Executive Order 14281
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Previous / Next Documents
Previous: 2025-05123, Proposed Flood Hazard Determinations
FEMA is asking communities and residents to review and comment on new flood risk maps that might change flood zones, water levels, or floodway boundaries. These updates could affect flood insurance rules and costs, so it’s important for those in the listed areas to pay attention and respond by the deadline. Getting involved now helps communities stay safe and keep their flood insurance options open.
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