Flood Maps Finalized – Insurance Rates May Shift for Homeowners Soon
Published Date: 11/20/2025
Notice
Summary
FEMA just updated flood risk maps for several communities, changing flood zones and water levels that affect flood insurance rules. If you live or own property in these areas, your insurance rates or building rules might change soon. These updates are final and already published, so check your local map or online to see how it impacts you and your wallet.
Analyzed Economic Effects
3 provisions identified: 0 benefits, 1 costs, 2 mixed.
Updated Flood Maps Affect Property Owners
FEMA finalized changes to Base Flood Elevations, Special Flood Hazard Area boundaries, and regulatory floodways for the listed communities with LOMR finalization dates shown in the table (dates include Aug. 25, 2025 through Sep. 19, 2025). If you live in or own property in any listed community, these map revisions may change how flood insurance and building requirements apply to your property, so you are encouraged to review the final maps at the local repository or online at https://msc.fema.gov.
Community NFIP Floodplain Management Requirement
The notice states the new or modified flood hazard information is the basis for the floodplain management measures that each listed community is required to adopt or show are already in effect in order to remain qualified for participation in the National Flood Insurance Program (NFIP). These requirements are the minimum criteria under 44 CFR 60.3.
Use Updated Community Number for Insurance Policies
The notice directs that the current effective community number (as shown in the notice/table) must be used for all new flood insurance policies and renewals for the listed communities. Each LOMR revises the Flood Insurance Rate Maps (FIRMs) and, where applicable, Flood Insurance Study reports.
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Previous / Next Documents
Previous: 2025-20375, Proposed Flood Hazard Determinations
FEMA is updating flood risk maps for certain communities, which could change flood zones and rules for flood insurance. If you live or own property in these areas, these changes might affect your insurance costs and building rules. You’ve got until February 18, 2026, to check out the new maps and share your thoughts before they become official.
Next: 2025-20377, Changes in Flood Hazard Determinations
FEMA just updated flood risk maps for several communities, changing flood zones and water levels that affect flood insurance rules. If you live or own property in these areas, your flood insurance rates or requirements might change soon. These updates are final and already published, so check your local map or online to see how it impacts you and your wallet.