Flood Zones Shift: Check Your New Insurance Risk Levels Now
Published Date: 10/2/2025
Notice
Summary
Some neighborhoods are getting updated flood risk maps that show new flood levels and boundaries. These changes affect homeowners, businesses, and local officials by changing flood insurance rules and possibly costs. The updates are official now, so folks should check their flood zones and insurance soon to stay prepared and avoid surprises.
Analyzed Economic Effects
2 provisions identified: 1 benefits, 0 costs, 1 mixed.
Finalized Flood Map Changes Affect Insurance
FEMA finalized changes to Base (1‑percent annual chance) Flood Elevations (BFEs), base flood depths, Special Flood Hazard Area (SFHA) boundaries, zone designations, and regulatory floodways through Letters of Map Revision (LOMRs). Each LOMR revises the Flood Insurance Rate Maps (FIRMs), and in some cases the Flood Insurance Study (FIS) reports, for the listed communities. Homeowners and businesses in those communities may see changes to flood insurance rules and possible changes in insurance costs.
Check Your Flood Zone and Insurance Soon
The map updates are official now, so you should check whether your property’s flood zone changed and review your flood insurance soon to avoid surprises. Local officials, homeowners, and businesses in the listed communities are the intended audiences for these finalized LOMRs and revised FIRMs.
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Key Dates
Department and Agencies
Related Federal Register Documents
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Previous / Next Documents
Previous: 2025-19207, Changes in Flood Hazard Determinations
Some communities are getting updated flood maps that show new flood risk areas and water levels. These changes affect homeowners, businesses, and local officials by changing flood insurance rules and possibly costs. The updates are official now, so folks should check their new flood zones and prepare for any insurance changes soon.
Next: 2025-19209, Changes in Flood Hazard Determinations
Some communities have new or updated flood risk info based on fresh science and data. These changes affect flood maps and could impact flood insurance rules and costs for homeowners and businesses. Make sure to check the updated maps and community numbers when getting or renewing flood insurance to stay protected and avoid surprises.