New Flood Maps Shake Up Insurance Rules in Select Spots
Published Date: 8/6/2025
Notice
Summary
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.
Analyzed Economic Effects
1 provisions identified: 0 benefits, 0 costs, 1 mixed.
Flood Map Updates Change Insurance Rules
FEMA updated Flood Insurance Rate Maps (FIRMs) and, where applicable, Flood Insurance Study (FIS) reports for certain communities to add or change Base Flood Elevations, base flood depths, Special Flood Hazard Area boundaries or zone designations, or the regulatory floodway. If you live in or own property in one of the listed communities, your flood insurance rules and possibly your premiums may change, so check the new maps and community listings. The current effective community number shown in FEMA's table must be used for all new flood insurance policies and renewals.
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Key Dates
Department and Agencies
Related Federal Register Documents
2026-20497, Agency Information Collection Activities: Submission for OMB Review, Comment Request; Elevation Certificate/Floodproofing Certificate.
FEMA is asking for public feedback on extending the use of Elevation and Floodproofing Certificates, which help communities manage flood risks and keep buildings safe. This affects homeowners, builders, and local officials who deal with flood insurance and construction rules. Comments are open until November 6, 2026, and there’s no new cost—just a chance to keep these important forms working smoothly.
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Previous / Next Documents
Previous: 2025-14879, Final Flood Hazard Determinations
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!
Next: 2025-14881, Proposed Flood Hazard Determinations
FEMA is asking communities and residents to review and comment on new flood risk maps that might change flood zones or water levels. These updates could affect flood insurance rules and costs, so it’s important for people in the listed areas to pay attention and respond by the deadline. Getting these changes right helps keep communities safe and insurance programs running smoothly.