# 2025-09213: Fresh FEMA Flood Maps Could Nudge Premiums and Building Plans

2025-09213, 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.; PRIA reads it as touching household money (as of 2026-10-22).

- Canonical: https://policyrisk.com/federal-register/2025-09213
- As of: 2026-10-22
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Document number: 2025-09213
- Title: Changes in Flood Hazard Determinations
- Type: Notice
- Agencies: Homeland Security Department; Federal Emergency Management Agency
- Citation: 90 FR 21935
- Published: 2025-05-22
- Effective: These flood hazard determinations will be finalized on the dates listed in the table below.
- Comments close: not stated
- Significant: no
- Touches household money: yes
- Regulation identifier numbers: none
- Last updated: 2026-10-22

## In one line

Fresh FEMA Flood Maps Could Nudge Premiums and Building Plans

## Summary

Heads up, communities! FEMA is updating flood maps with new flood risk info based on fresh science. These changes affect flood insurance rules and could impact your premiums or building plans. You’ve got 90 days after local notice to ask for a review, so stay alert and check the updated maps online or at your town hall.

## 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

- Updated flood maps affect insurance: mixed, medium. FEMA revised flood maps (FIRMs/FIS reports) for the listed communities on the dates shown in the table below (for example, Jul. 7, 2025; Jun. 25, 2025; May 16, 2025). You and your insurer must use the current effective community number and the revised maps for all new flood insurance policies and r…
- 90-day window to request reconsideration: benefit, low. From the date of the second local newspaper notice, you have 90 days to ask your community to request that FEMA reconsider the flood hazard changes. To file a request, submit it through the Chief Executive Officer of the community listed in the table.
- Maps set community NFIP requirements: mixed, medium. The revised FIRM and FIS reports are the basis for the floodplain management measures that each community must adopt or show they have in effect to qualify or remain qualified for the National Flood Insurance Program (NFIP). These measures are the minimum required under 44 CFR 60.3, though communit…
- Where to inspect revised map info: benefit, low. Revised flood hazard information for each listed community is available for inspection online at the FEMA Map Service Center (https://msc.fema.gov) and at the local community map repository address shown in the table. You can compare the revised FIRM/FIS to the current effective versions using thos…

## 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
- [2025-09213 on federalregister.gov](https://www.federalregister.gov/documents/2025/05/22/2025-09213/changes-in-flood-hazard-determinations)
- [2025-09213 as published (PDF)](https://www.govinfo.gov/content/pkg/FR-2025-05-22/pdf/2025-09213.pdf)

## Related
- [Previous: 2025-09212, Proposed Flood Hazard Determinations](https://policyrisk.com/federal-register/2025-09212)
- [Next: 2025-09214, Notice of OFAC Sanctions Action](https://policyrisk.com/federal-register/2025-09214)
- [All Federal Register documents](https://policyrisk.com/federal-register)

Source: PRIA, https://policyrisk.com/federal-register/2025-09213 (as of 2026-10-22).