FEMA Locks in New Flood Zones Nationwide
Published Date: 12/8/2025
Notice
Summary
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.
Analyzed Economic Effects
3 provisions identified: 1 benefits, 0 costs, 2 mixed.
Final flood map changes in San Diego area
FEMA finalized changes to Flood Insurance Rate Maps (FIRMs) and Flood Insurance Study (FIS) reports for San Diego County, the City of San Diego, the City of Santee, and unincorporated San Diego County. The final determinations include changes to Base Flood Elevations (BFEs), Special Flood Hazard Area (SFHA) boundaries, zone designations, base flood depths, or regulatory floodways and could affect flood insurance costs and local building rules.
Community NFIP eligibility tied to map changes
The FIRM and FIS reports are the basis for floodplain management measures that each community must adopt or show evidence of having an effect in order to qualify or remain qualified for participation in FEMA's National Flood Insurance Program (NFIP). Communities listed with final determinations have had appeals resolved and notifications published at least 90 days earlier.
Check new maps by Sept 3, 2025
You (owners or lessees of real property) are encouraged to review the new or revised FIRM and FIS report for your community by September 3, 2025, available at the listed community map repositories and online at FEMA's Map Service Center (https://msc.fema.gov). Reviewing the maps can show whether your property’s flood zone or Base Flood Elevation changed.
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Key Dates
Department and Agencies
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