FEMA Updates Flood Maps for Community Insurance Rules
Published Date: 5/22/2025
Notice
Summary
Some communities have new flood risk updates based on better science, changing flood zones and water levels on official maps. If you live or own property in these areas, your flood insurance rules and costs might change soon. These updates kick in with new policies and renewals, so keep an eye on your community’s flood map number to stay ahead!
Analyzed Economic Effects
3 provisions identified: 0 benefits, 0 costs, 3 mixed.
Flood-map updates may change insurance costs
Some communities have updated flood maps that change flood zones, water levels, or floodway lines. If you live in or own property in one of those listed communities, your flood insurance rules and costs might change when you buy a new policy or renew an existing one.
New policies and renewals use updated map number
FEMA revised maps through a Letter of Map Revision and the current effective community number shown must be used for all new flood insurance policies and for renewals. That means insurers and policyholders should reference the updated community number when buying or renewing coverage.
Maps changed: BFEs, zones, and floodways
The notice lists communities where Base Flood Elevations (BFEs), base flood depths, Special Flood Hazard Area (SFHA) boundaries or zone designations, or the regulatory floodway were added or modified on FEMA’s Flood Insurance Rate Maps and, where applicable, Flood Insurance Study reports. These technical changes were made because of new scientific or technical data and were issued via a Letter of Map Revision (LOMR).
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