Flood Zones Updated: Check Your Property's New Risk Level
Published Date: 6/11/2025
Notice
Summary
Some communities have new or updated flood risk info based on fresh science, changing flood zones and water levels on official maps. If you live or own property in these areas, your flood insurance rules might change, so check the new maps and community numbers before renewing or buying a policy. These updates help keep everyone safer and insurance fair, starting as soon as the new letters of map revision are issued.
Analyzed Economic Effects
3 provisions identified: 3 benefits, 0 costs, 0 mixed.
FEMA updates flood maps for communities
FEMA has revised Flood Insurance Rate Maps (FIRMs) and, where applicable, Flood Insurance Study (FIS) reports for certain listed communities. These revisions change Base Flood Elevations (BFEs), base flood depths, Special Flood Hazard Area (SFHA) boundaries or zone designations, or the regulatory floodway based on new scientific or technical data and are reflected through a Letter of Map Revision (LOMR).
Your flood insurance rules may change
If you live in or own property in one of the listed communities, your flood insurance rules might change because of the updated maps. The notice tells you to check the new FIRMs and community numbers before renewing or buying a flood insurance policy so you know how the updates affect your coverage and requirements.
Use the listed community number for policies
The notice states that the current effective community number shown in the table must be used for all new flood insurance policies and renewals. Agents and insurers must use that effective community number when issuing or renewing policies for the listed communities.
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Key Dates
Department and Agencies
Related Federal Register Documents
2026-18169, Agency Information Collection Activities: Proposed Collection, Comment Request; Generic Clearance for Notice of Loss and Proof of Loss
The Federal Emergency Management Agency (FEMA), as part of its continuing effort to reduce paperwork and respondent burden, invites the general public to take this opportunity to comment on an extension of a currently approved information collection. In accordance with the requirements of the Paperwork Reduction Act of 1995, this notice seeks comments concerning the Generic Clearance for the Collection of the Notice of Loss and Proof of Loss for claimants who file a claim with the Agency seeking compensation for injury or loss of property resulting from fires.
2026-17072, Changes in Flood Hazard Determinations
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.
2026-17077, Final Flood Hazard Determinations
Starting November 27, 2026, certain communities will see updated flood risk maps that show new or changed flood zones and water levels. These updates affect homeowners, renters, and local governments by changing flood insurance rules and building requirements. If you live in these areas, it’s time to check the new maps to stay safe and save money on insurance!
2026-17070, Changes in Flood Hazard Determinations
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.
2026-17069, Final Flood Hazard Determinations
Flood hazard determinations, which may include additions or modifications of Base Flood Elevations (BFEs), base flood depths, Special Flood Hazard Area (SFHA) boundaries or zone designations, or regulatory floodways on the Flood Insurance Rate Maps (FIRMs) and where applicable, in the supporting Flood Insurance Study (FIS) reports have been made final for the communities listed in the table below. The FIRM and FIS report are the basis of the floodplain management measures that a community is required either to adopt or to show evidence of having an effect in order to qualify or remain qualified for participation in the Federal Emergency Management Agency's (FEMA's) National Flood Insurance Program (NFIP).
2026-17073, Final Flood Hazard Determinations
Flood hazard determinations, which may include additions or modifications of Base Flood Elevations (BFEs), base flood depths, Special Flood Hazard Area (SFHA) boundaries or zone designations, or regulatory floodways on the Flood Insurance Rate Maps (FIRMs) and where applicable, in the supporting Flood Insurance Study (FIS) reports have been made final for the communities listed in the table below. The FIRM and FIS report are the basis of the floodplain management measures that a community is required either to adopt or to show evidence of having an effect in order to qualify or remain qualified for participation in the Federal Emergency Management Agency's (FEMA's) National Flood Insurance Program (NFIP).
Previous / Next Documents
Previous: 2025-10624, Agency Forms Undergoing Paperwork Reduction Act Review
The Agency for Toxic Substances and Disease Registry (ATSDR) is asking for public feedback on their forms used to investigate exposure to harmful substances. They want to make sure the forms are useful, clear, and not too much work for people to fill out. You’ve got 30 days from June 11, 2025, to share your thoughts—this helps keep things smooth and cost-effective for everyone involved!
Next: 2025-10626, Proposed Flood Hazard Determinations
FEMA is updating flood maps that show which areas are at risk of flooding. If you live in or manage one of the affected communities, these changes could affect your flood insurance and building rules. Now’s the time to check the new maps, share your thoughts, and get ready for any updates that might impact your wallet or safety.