FEMA Finalizes Flood Zone Tweaks for Safer (or Costlier) Homes
Published Date: 8/6/2025
Notice
Summary
Hey, folks! FEMA just finalized updates to flood risk maps for certain communities, changing flood zone boundaries and water levels. If you live or own property there, these changes could affect your flood insurance and building rules starting soon. It’s all about keeping you safer and making sure insurance costs match the real risk!
Analyzed Economic Effects
2 provisions identified: 0 benefits, 0 costs, 2 mixed.
Finalized flood map updates
FEMA finalized updates to flood maps for the communities listed, which may include changes to Base Flood Elevations (BFEs), base flood depths, Special Flood Hazard Area (SFHA) boundaries or zone designations, and regulatory floodways on the Flood Insurance Rate Maps (FIRMs) and in Flood Insurance Study (FIS) reports. If you live or own property in one of the listed communities, these map changes could change how flood risk is measured for your property.
Community NFIP qualification requirements
The updated FIRM and FIS reports are the basis for floodplain management measures that a community is required to adopt or to show evidence of having an effect in order to qualify or remain qualified for participation in FEMA's National Flood Insurance Program (NFIP). Communities listed must adopt or demonstrate these measures to maintain NFIP qualification.
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Key Dates
Department and Agencies
Related Federal Register Documents
2026-15944, 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.
2026-15946, 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.
2026-15943, 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).
2026-15942, 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).
2026-15938, 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).
2026-15941, 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: 2025-14878, Agency Information Collection Activities: Proposed Collection; Comment Request
The Substance Abuse and Mental Health Services Administration (SAMHSA) wants your thoughts on updating their survey about programs that help stop underage drinking. This update affects community groups, states, and anyone involved in prevention efforts, aiming to keep the info clear and easy to collect. Comments are open now, so jump in before the deadline to help shape how these important reports get made without adding extra hassle or cost.
Next: 2025-14880, Changes in Flood Hazard Determinations
Some communities have new flood risk updates based on better 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 soon, so check the new maps and community numbers. These updates help keep everyone safer and make sure insurance costs match the real risk, starting as soon as the new maps go live.