More FEMA Flood Updates Roll Out – Wallet Impacts Incoming?
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 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.
Analyzed Economic Effects
2 provisions identified: 0 benefits, 0 costs, 2 mixed.
Finalized Flood Map Changes May Affect Your Insurance
You who live in or own property in the listed communities (cities and counties in FL, GA, IN, MI, MN, MS, MO, OH, TN, TX, VA, and WI) have final flood map changes (LOMRs) dated July 18, 2025 through August 11, 2025. These changes revise Base Flood Elevations, Special Flood Hazard Area boundaries, and floodways and can change whether you must buy flood insurance or how much your flood insurance costs. You can inspect the final maps at your community map repository or online at the FEMA Map Service Center (https://msc.fema.gov).
Communities Must Adopt NFIP Floodplain Measures
The finalized LOMRs are the basis for the floodplain management measures that each affected community is required to adopt or show are already in effect so the community can remain qualified for the National Flood Insurance Program (NFIP). These requirements come from 44 CFR 60.3 and the Flood Disaster Protection Act provisions cited in the notice.
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Key Dates
Department and Agencies
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Previous / Next Documents
Previous: 2025-20376, 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 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.
Next: 2025-20378, Proposed Flood Hazard Determinations
FEMA is updating flood risk maps for several communities, which could change flood zones and water levels used for insurance and safety rules. If you live or own property in these areas, these changes might affect your flood insurance costs and building rules. You have until February 18, 2026, to review and comment on these updates before they become official.