Speak Now or Flood Later: FEMA's Proposed Risk Map Comments
Published Date: 8/6/2025
Notice
Summary
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.
Analyzed Economic Effects
2 provisions identified: 0 benefits, 1 costs, 1 mixed.
Proposed Flood Map Changes Affect Insurance
FEMA is proposing changes to flood maps that may alter Base Flood Elevations, flood zone boundaries, and regulatory floodways for the listed communities. You who live or own property in those listed communities could see changes to flood insurance rules and costs if the maps are adopted, so you should review and comment on the proposals.
Communities Must Adopt Measures to Stay in NFIP
FEMA says communities must adopt, or show they already have, the required floodplain management measures based on the new maps to qualify or remain in the National Flood Insurance Program (NFIP). If your community does not adopt those measures, its participation in the NFIP could be at risk, which could affect availability of flood insurance for local properties.
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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: 2025-14880, 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.
Next: 2025-14882, Butyl Benzyl Phthalate (BBP); Diisobutyl Phthalate (DIBP); Draft Risk Evaluations Under the Toxic Substances Control Act (TSCA); Notice of Availability and Request for Comment
The EPA just shared draft reports on two chemicals, BBP and DIBP, that might be harmful to people and the environment. They want your thoughts before making final decisions, especially since these chemicals are used in everyday products. If these risks are confirmed, companies might need to change how they use these chemicals soon, which could affect costs and safety rules.