# 2025-09212: FEMA Tweaks Flood Maps, Potentially Changing Residents' Insurance Obligations 2025-09212, Proposed Flood Hazard Determinations, is a Federal Register notice from Homeland Security Department, Federal Emergency Management Agency published 2025-05-22, effective Comments are to be submitted on or before August 20, 2025.; PRIA reads it as touching household money (as of 2026-10-22). - Canonical: https://policyrisk.com/federal-register/2025-09212 - As of: 2026-10-22 - Plain-text twin of the page above; the HTML and this file carry the same facts. ## Facts - Document number: 2025-09212 - Title: Proposed Flood Hazard Determinations - Type: Notice - Agencies: Homeland Security Department; Federal Emergency Management Agency - Citation: 90 FR 21938 - Published: 2025-05-22 - Effective: Comments are to be submitted on or before August 20, 2025. - Comments close: not stated - Significant: no - Touches household money: yes - Regulation identifier numbers: none - Last updated: 2026-10-22 ## In one line FEMA Tweaks Flood Maps, Potentially Changing Residents' Insurance Obligations ## Summary FEMA is updating flood risk maps for several communities, which could change flood zones and insurance rules. If you live in these areas, your flood insurance requirements might change, so check the new maps and share your thoughts by August 20, 2025. These updates help communities stay safe and keep their flood insurance programs running smoothly. ## Abstract Comments are requested on proposed flood hazard determinations, which may include additions or modifications of any Base Flood Elevation (BFE), base flood depth, Special Flood Hazard Area (SFHA) boundary or zone designation, or regulatory floodway on the Flood Insurance Rate Maps (FIRMs), and where applicable, in the supporting Flood Insurance Study (FIS) reports for the communities listed in the table below. The purpose of this notice is to seek general information and comment regarding the preliminary FIRM, and where applicable, the FIS report that the Federal Emergency Management Agency (FEMA) has provided to the affected communities. The FIRM and FIS report are the basis of the floodplain management measures that the community is required either to adopt or to show evidence of having in effect in order to qualify or remain qualified for participation in the National Flood Insurance Program (NFIP). ## Effects PRIA read - Flood map updates may change insurance rules: mixed, medium. FEMA is proposing flood hazard determinations that may change Base Flood Elevations, Special Flood Hazard Area boundaries, zone designations, or regulatory floodways for listed communities. If you live in those areas, your flood insurance requirements might change, so check the Preliminary Flood In… - Deadline to review and comment: August 20, 2025: benefit, low. You can inspect the Preliminary FIRM and FIS report online at https://hazards.fema.gov/femaportal/prelimdownload or at local Community Map Repositories, and submit comments identified by Docket No. FEMA-B-2524. Comments must be submitted on or before August 20, 2025. - Appeals and Scientific Resolution Panel option: benefit, low. Any request for reconsideration that meets 44 CFR 67.6(b) will be treated as an appeal, and communities may use a Scientific Resolution Panel (SRP) after FEMA and local communities have consulted for at least 60 days without a mutually acceptable resolution. SRPs review conflicting technical data t… - Specific communities listed for map revisions: mixed, medium. FEMA lists affected communities (e.g., Essex County, NY — Project 20-02-0007S, Preliminary Date: December 18, 2024; Seneca County, NY — Project 20-02-0012S, Preliminary Date: December 05, 2024) and the towns and villages within them; residents of the listed jurisdictions should review the Prelimina… ## 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 - [2025-09212 on federalregister.gov](https://www.federalregister.gov/documents/2025/05/22/2025-09212/proposed-flood-hazard-determinations) - [2025-09212 as published (PDF)](https://www.govinfo.gov/content/pkg/FR-2025-05-22/pdf/2025-09212.pdf) ## Related - [Previous: 2025-09211, Changes in Flood Hazard Determinations](https://policyrisk.com/federal-register/2025-09211) - [Next: 2025-09213, Changes in Flood Hazard Determinations](https://policyrisk.com/federal-register/2025-09213) - [All Federal Register documents](https://policyrisk.com/federal-register) Source: PRIA, https://policyrisk.com/federal-register/2025-09212 (as of 2026-10-22).