Flood Map Changes Become Final, Potentially Rewriting Local Risk
Published Date: 5/22/2025
Notice
Summary
FEMA just updated flood risk maps for several communities, changing flood zones and water levels. If you live or own property in these areas, your flood insurance and building rules might change soon. These updates are final and already published, so check your local map to see how it affects you and your wallet.
Analyzed Economic Effects
3 provisions identified: 1 benefits, 1 costs, 1 mixed.
Finalized flood-map updates for listed communities
FEMA finalized new or modified flood hazard determinations (such as Base (1‑percent annual chance) Flood Elevations, base flood depths, Special Flood Hazard Area boundaries, zone designations, and regulatory floodways) for the communities listed in the table. Each Letter of Map Revision (LOMR) revises the community's Flood Insurance Rate Map (FIRM) and, in some cases, the Flood Insurance Study (FIS) report. These LOMRs were finalized on the dates shown in the table (for example, March 3, 2025 through April 22, 2025).
Communities must adopt floodplain rules to stay in NFIP
The new or modified flood hazard information is the basis for floodplain management measures that each community is required either to adopt or to show evidence of already having in effect in order to remain eligible for participation in the National Flood Insurance Program (NFIP) under 44 CFR 60.3. Communities must meet these minimum criteria but may keep or enact stricter local rules.
Use updated community number and review maps
FEMA states that the current effective community number shown in the LOMR must be used for all new flood insurance policies and renewals. Interested lessees and owners of real property are encouraged to inspect the finalized LOMR at the community map repository listed in the table or online through the FEMA Map Service Center at https://msc.fema.gov.
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Key Dates
Department and Agencies
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