# 2025-09207: FEMA Flood Maps Shift Again, Bringing Insurance Questions Along 2025-09207, Changes in Flood Hazard Determinations, is a Federal Register notice from Homeland Security Department, Federal Emergency Management Agency published 2025-05-22, effective These flood hazard determinations will be finalized on the dates listed in the table below. From the date of the second publication of notification of these changes in a newspaper of local circulation, any person has 90 days in which to request through the community that the Deputy Associate Administrator for Insurance and Mitigation reconsider the changes.; PRIA reads it as touching household money (as of 2026-10-22). - Canonical: https://policyrisk.com/federal-register/2025-09207 - As of: 2026-10-22 - Plain-text twin of the page above; the HTML and this file carry the same facts. ## Facts - Document number: 2025-09207 - Title: Changes in Flood Hazard Determinations - Type: Notice - Agencies: Homeland Security Department; Federal Emergency Management Agency - Citation: 90 FR 21932 - Published: 2025-05-22 - Effective: These flood hazard determinations will be finalized on the dates listed in the table below. From the date of the second publication of notification of these changes in a newspaper of local circulation, any person has 90 days in which to request through the community that the Deputy Associate Administrator for Insurance and Mitigation reconsider the changes. - Comments close: not stated - Significant: no - Touches household money: yes - Regulation identifier numbers: none - Last updated: 2026-10-22 ## In one line FEMA Flood Maps Shift Again, Bringing Insurance Questions Along ## Summary FEMA is updating flood maps for certain communities based on 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. ## Abstract This notice lists communities where the addition or modification of Base Flood Elevations (BFEs), base flood depths, Special Flood Hazard Area (SFHA) boundaries or zone designations, or the regulatory floodway (hereinafter referred to as flood hazard determinations), as shown on the Flood Insurance Rate Maps (FIRMs), and where applicable, in the supporting Flood Insurance Study (FIS) reports, prepared by the Federal Emergency Management Agency (FEMA) for each community, is appropriate because of new scientific or technical data. The FIRM, and where applicable, portions of the FIS report, have been revised to reflect these flood hazard determinations through issuance of a Letter of Map Revision (LOMR), in accordance with Federal Regulations. The current effective community number is shown in the table below and must be used for all new policies and renewals. ## Effects PRIA read - Flood maps updated; affects insurance rules: mixed, medium. FEMA revised Flood Insurance Rate Maps (FIRMs) and, where applicable, Flood Insurance Study (FIS) reports for listed communities to update Base Flood Elevations, base flood depths, Special Flood Hazard Area boundaries or zone designations, and the regulatory floodway. These map revisions are finali… - 90-day window to request review: benefit, low. After the second local newspaper notice, you have 90 days to ask your community's Chief Executive Officer to request that FEMA reconsider the flood hazard changes. The flood hazard determination information may change during that 90-day period. - Maps available online and locally for inspection: benefit, low. Revised flood hazard information and the current effective FIRM and FIS reports are available for inspection online at the FEMA Map Service Center (https://msc.fema.gov) and at the community map repository addresses listed in the notice. You can compare the revised maps to the current effective map… - Maps are basis for NFIP floodplain rules: mixed, medium. The FIRM and FIS report are the basis of the floodplain management measures a community must adopt or show evidence of having in effect to qualify or remain qualified for participation in the National Flood Insurance Program (NFIP). These determinations reflect the minimum standards required by 44… ## Related documents - [2026-21496](https://policyrisk.com/federal-register/2026-21496): Agency Information Collection Activities: Submission for OMB Review; Comment Request; General Admissions Applications (Long and Short) and…, 2026-10-21 - [2026-21497](https://policyrisk.com/federal-register/2026-21497): Agency Information Collection Activities: Submission for OMB Review, Comment Request; Application for Community Disaster Loan (CDL) Program, 2026-10-21 - [2026-21199](https://policyrisk.com/federal-register/2026-21199): Agency Information Collection Activities: Proposed Collection, Comment Request; FEMA Preparedness Grants: Tribal Homeland Security Grant Pr…, 2026-10-16 - [2026-20916](https://policyrisk.com/federal-register/2026-20916): Final Flood Hazard Determinations, 2026-10-14 - [2026-20908](https://policyrisk.com/federal-register/2026-20908): Changes in Flood Hazard Determinations, 2026-10-14 - [2026-20926](https://policyrisk.com/federal-register/2026-20926): Proposed Flood Hazard Determinations, 2026-10-14 ## Sources - [2025-09207 on federalregister.gov](https://www.federalregister.gov/documents/2025/05/22/2025-09207/changes-in-flood-hazard-determinations) - [2025-09207 as published (PDF)](https://www.govinfo.gov/content/pkg/FR-2025-05-22/pdf/2025-09207.pdf) ## Related - [Previous: 2025-09203, Loan Guaranty: Assistance to Eligible Individuals in Acquiring Specially Adapte…](https://policyrisk.com/federal-register/2025-09203) - [Next: 2025-09208, Notice of Availability of Response to Comments for 2024 LNG Export Study: Energ…](https://policyrisk.com/federal-register/2025-09208) - [All Federal Register documents](https://policyrisk.com/federal-register) Source: PRIA, https://policyrisk.com/federal-register/2025-09207 (as of 2026-10-22).