New Flood Zones Official: Check Your Insurance Now
Published Date: 8/20/2025
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 and costs might change, so check the new maps and community numbers. These updates kick in as soon as the new letters are issued, helping everyone stay safer and smarter about flood risks.
Analyzed Economic Effects
1 provisions identified: 0 benefits, 0 costs, 1 mixed.
Updated Flood Maps May Change Insurance
If you live in or own property in the listed communities, FEMA revised the official flood maps (FIRMs) and, where applicable, the supporting Flood Insurance Study (FIS) reports to change Base Flood Elevations (BFEs), base flood depths, Special Flood Hazard Area (SFHA) boundaries or zone designations, or the regulatory floodway. That means your flood insurance rules and costs might change. These updates take effect when the Letters of Map Revision (LOMRs) are issued, and the current effective community number shown must be used for all new policies and renewals.
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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.
2026-17077, 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).
2026-17072, 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.
2026-17073, 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: 2025-15877, Changes in Flood Hazard Determinations
Some communities have new or updated flood risk maps that show where floods might happen and how bad they could be. These changes affect homeowners, businesses, and local officials by updating flood zones and insurance rules. The updates are official now, so folks should check if their flood insurance or building plans need a refresh to stay safe and save money.
Next: 2025-15879, Changes in Flood Hazard Determinations
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 and costs might change, so check the new maps soon. These updates kick in as soon as the new letters arrive, helping everyone stay safer and smarter about flood risks.