FEMA Finalizes Flood Maps: Insurance Rates May Shift
Published Date: 6/11/2025
Notice
Summary
The government has updated flood risk maps for certain communities, changing flood levels and boundaries to keep everyone safer. If you live or own property in these areas, these changes could affect your flood insurance and building rules. These updates are final, so it’s time to check how they might impact your money and plans.
Analyzed Economic Effects
2 provisions identified: 0 benefits, 1 costs, 1 mixed.
Final Flood Map Updates Affect Properties
FEMA made final updates to flood risk maps for certain communities, including changes to Base Flood Elevations (BFEs), base flood depths, Special Flood Hazard Area (SFHA) boundaries or zone designations, and regulatory floodways on Flood Insurance Rate Maps (FIRMs) and Flood Insurance Study (FIS) reports. If you live in or own property in those listed communities, these map changes could affect your flood insurance and local building rules.
Communities Must Meet NFIP Rules To Stay Eligible
The FIRM and FIS reports are the basis for floodplain management measures that a community is required to adopt or to show are in effect in order to qualify or remain qualified for participation in FEMA's National Flood Insurance Program (NFIP). Communities listed with these final determinations may need to adopt or demonstrate measures to keep NFIP participation.
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Key Dates
Department and Agencies
Related Federal Register Documents
2026-18404, 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.
2026-18409, 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).
2026-18408, Proposed Flood Hazard Determinations
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).
2026-18410, 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).
2026-18406, Proposed Flood Hazard Determinations
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).
2026-18419, Assistance to Firefighters Grant Program; Fire Prevention and Safety Grants
Pursuant to the Federal Fire Prevention and Control Act of 1974, as amended, the Administrator of FEMA is publishing this notice describing the fiscal year (FY) 2025 Assistance to Firefighters Grant (AFG) and Fire Prevention and Safety (FP&S) grant programs application processes, deadlines and award selection criteria. This notice explains the differences, if any, between these guidelines and those recommended by representatives of the national fire service leadership during the annual meeting of the Criteria Development Panel (CDP), which was held September 9, 2025. The application period for the FY 2025 AFG Program was May 19, 2026, to June 22, 2026, and the FY 2025 FP&S Program was May 19, 2026, to June 22, 2026. The application periods were announced on the FEMA Fire Grant website at https://www.fema.gov/grants/ preparedness/firefighters, as well as at https://www.grants.gov.
Previous / Next Documents
Previous: 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.
Next: 2025-10628, Notice of Public Meetings of the Indiana Advisory Committee to the U.S. Commission on Civil Rights
The Indiana Advisory Committee to the U.S. Commission on Civil Rights is holding public Zoom meetings to review and update their report on hate crimes in Indiana. These meetings let the public see how the Committee works and influence important decisions about civil rights. If you care about fairness and safety in Indiana, these meetings are your chance to stay informed and involved.