Updated Flood Maps Prompt Insurance Rule Checks
Published Date: 12/18/2025
Notice
Summary
FEMA is updating flood risk maps for certain communities using new science and data. If you live in these areas, your flood insurance rules might change soon, so check the updated maps online or locally. You’ve got 90 days after local notice to ask for a review, so don’t wait if you think the changes aren’t right!
Analyzed Economic Effects
5 provisions identified: 2 benefits, 0 costs, 3 mixed.
Updated flood maps may change insurance
If you live in one of the communities listed in this notice, FEMA revised the flood hazard maps (FIRM and, where applicable, the FIS report) and those revisions will be finalized on the dates shown in the table (dates in the table range from Dec. 9, 2025 through Feb. 20, 2026). Your flood insurance rules for properties in those communities might change when the revisions take effect.
You have 90 days to ask for review
From the date of the second publication of notification in a local newspaper, any person has 90 days to request, through the community, that FEMA's Assistant Administrator for the Federal Insurance Directorate reconsider the flood hazard changes.
Revised maps available online and locally
Revised flood hazard information for each listed community is available online at the FEMA Map Service Center (https://msc.fema.gov) and at the local community map repository addresses shown in the table in this notice so you can inspect the changes and compare them to the current effective FIRM and FIS.
Use current community number for policies
The notice states that the 'current effective community number' shown in the table must be used for all new flood insurance policies and renewals for the listed communities.
Map revisions form basis for local NFIP rules
FEMA says the revised FIRM and FIS reports are the basis of the floodplain management measures that a community is required to adopt or show it has in effect to qualify or remain in the National Flood Insurance Program (NFIP) under 44 CFR 60.3.
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Key Dates
Department and Agencies
Related Federal Register Documents
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Previous / Next Documents
Previous: 2025-23170, Changes in Flood Hazard Determinations
FEMA is updating flood risk maps for certain communities using new science and data. These changes affect flood zones, flood heights, and insurance rules, so homeowners and businesses in those areas should check the new maps. People have 90 days after local notice to ask for a review, and these updates could impact flood insurance costs and requirements soon.
Next: 2025-23172, Proposed Flood Hazard Determinations
FEMA is updating flood risk maps for several communities, which could change flood zones and base flood levels. These updates affect homeowners, businesses, and local governments by potentially changing flood insurance rules and costs. You’ve got until March 18, 2026, to check the new maps and share your thoughts before they become official.