More Final Flood Maps from FEMA Hit the Books
Published Date: 12/8/2025
Notice
Summary
FEMA has finalized updates to flood risk maps for certain communities, changing flood zones and water levels that affect flood insurance rules. Homeowners, renters, and local governments in these areas will need to check the new maps by February 20, 2026, to stay protected and insured. These changes could impact insurance costs and building rules, so it’s smart to review the updates early!
Analyzed Economic Effects
3 provisions identified: 1 benefits, 1 costs, 1 mixed.
Final flood map changes in listed communities
FEMA finalized changes to flood maps (including Base Flood Elevations, base flood depths, Special Flood Hazard Area boundaries, zone designations, and regulatory floodways) for the communities listed in this notice, including Bullock, Elmore, Macon, and Montgomery Counties in Alabama and Washington County, Wisconsin. You who own or rent property in these listed communities may see changes to whether your property is in a high-risk flood zone, which could affect flood insurance requirements and local building rules.
Community NFIP qualification requirement
The FIRM and FIS reports are the basis for floodplain management measures that a community must adopt or show evidence of having in effect in order to qualify or remain qualified for participation in FEMA's National Flood Insurance Program (NFIP). Local governments in the listed communities may need to adopt or demonstrate floodplain management measures based on the finalized maps.
Deadline to review updated FIRMs and FIS reports
FEMA made the new Flood Insurance Rate Maps (FIRMs) and, where applicable, Flood Insurance Study (FIS) reports available for inspection at the listed community map repositories and online through the FEMA Map Service Center by February 20, 2026. If you lease or own property in the listed communities, FEMA encourages you to review the new or revised maps and reports at the repository address or online to understand any changes.
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Key Dates
Department and Agencies
Related Federal Register Documents
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.
2026-17073, 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).
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).
2026-17068, 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.
2026-17072, 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.
2026-17074, 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).
Previous / Next Documents
Previous: 2025-22245, 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’ve got until March 9, 2026, to check the new maps and share your thoughts before they become official.
Next: 2025-22247, Final Flood Hazard Determinations
FEMA has finalized updates to flood risk maps for several communities, changing flood zones and water levels that affect flood insurance rules. Homeowners and businesses in these areas should check the new maps by September 3, 2025, because these changes could impact insurance costs and building rules. These updates help keep communities safer and insurance programs fair.