# 2025-09211: Flood Map Changes Become Final, Potentially Rewriting Local Risk

2025-09211, Changes in Flood Hazard Determinations, is a Federal Register notice from Homeland Security Department, Federal Emergency Management Agency published 2025-05-22, effective Each Letter of Map Revision (LOMR) was finalized as shown in the table below (dates include March 3, 2025 through April 22, 2025).; PRIA reads it as touching household money (as of 2026-10-22).

- Canonical: https://policyrisk.com/federal-register/2025-09211
- As of: 2026-10-22
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Document number: 2025-09211
- Title: Changes in Flood Hazard Determinations
- Type: Notice
- Agencies: Homeland Security Department; Federal Emergency Management Agency
- Citation: 90 FR 21940
- Published: 2025-05-22
- Effective: Each Letter of Map Revision (LOMR) was finalized as shown in the table below (dates include March 3, 2025 through April 22, 2025).
- Comments close: not stated
- Significant: no
- Touches household money: yes
- Regulation identifier numbers: none
- Last updated: 2026-10-22

## In one line

Flood Map Changes Become Final, Potentially Rewriting Local Risk

## 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.

## Abstract

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.

## Effects PRIA read

- Finalized flood-map updates for listed communities: mixed, medium. 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) revi…
- Communities must adopt floodplain rules to stay in NFIP: cost, medium. 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…
- Use updated community number and review maps: benefit, low. 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…

## 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
- [2025-09211 on federalregister.gov](https://www.federalregister.gov/documents/2025/05/22/2025-09211/changes-in-flood-hazard-determinations)
- [2025-09211 as published (PDF)](https://www.govinfo.gov/content/pkg/FR-2025-05-22/pdf/2025-09211.pdf)

## Related
- [Previous: 2025-09209, Proposed Flood Hazard Determinations](https://policyrisk.com/federal-register/2025-09209)
- [Next: 2025-09212, Proposed Flood Hazard Determinations](https://policyrisk.com/federal-register/2025-09212)
- [All Federal Register documents](https://policyrisk.com/federal-register)

Source: PRIA, https://policyrisk.com/federal-register/2025-09211 (as of 2026-10-22).