FEMA Locks in Flood Changes: Time to Recalculate Your Insurance Premiums
Published Date: 1/21/2026
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 costs or requirements might change soon. These updates are final and already published, so check your local map or online to see how you’re impacted and plan ahead!
Analyzed Economic Effects
4 provisions identified: 1 benefits, 1 costs, 2 mixed.
Flood insurance costs or rules may change
If you live in or own property in any of the listed communities in CT, FL, GA, IL, KY, LA, MA, MN, NC, PA, or TX, your flood insurance costs or purchase requirements might change because FEMA finalized new flood hazard determinations between Oct. 6, 2025 and Dec. 15, 2025. Check your local community map repository or the FEMA Map Service Center online to see if your property’s flood zone, Base Flood Elevation, or regulatory floodway changed.
Communities must adopt NFIP floodplain rules
The new or modified flood hazard information is the basis for floodplain management measures that each listed community is required to adopt or to show are already in effect in order to remain qualified for participation in the National Flood Insurance Program (NFIP). These LOMRs were finalized on the dates shown in the table (Oct. 6, 2025 through Dec. 15, 2025).
Maps revised — use new community number for policies
FEMA’s Letter of Map Revision (LOMR) revisions update the Flood Insurance Rate Maps (FIRMs) and, in some cases, Flood Insurance Study (FIS) reports. The notice says the current effective community number shown on the LOMR must be used for all new flood insurance policies and renewals; the LOMRs were finalized on dates shown in the table (Oct. 6, 2025 through Dec. 15, 2025).
Check FEMA maps to see if you’re affected
FEMA encourages interested lessees and property owners to review the final flood hazard information at each community’s map repository or online at the FEMA Map Service Center. The listed LOMRs are final as dated in the table (Oct. 6, 2025 through Dec. 15, 2025), so check those sources now to plan for possible insurance or building changes.
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Key Dates
Department and Agencies
Related Federal Register Documents
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.
2026-17077, Final Flood Hazard Determinations
Starting November 27, 2026, certain communities will see updated flood risk maps that show new or changed flood zones and water levels. These updates affect homeowners, renters, and local governments by changing flood insurance rules and building requirements. If you live in these areas, it’s time to check the new maps to stay safe and save money on insurance!
2026-17078, 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).
2026-17125, Agency Information Collection Activities: Submission for OMB Review, Comment Request; Threat and Hazard Identification and Risk Assessment (THIRA)/Stakeholder Preparedness Review (SPR) Unified Reporting Tool
The Federal Emergency Management Agency (FEMA) will submit the information collection abstracted below to the Office of Management and Budget for review and clearance in accordance with the requirements of the Paperwork Reduction Act of 1995. FEMA invites the general public to take this opportunity to comment on an extension, without change, of a currently approved information collection. In accordance with the requirements of the Paperwork Reduction Act of 1995, this notice seeks comments concerning this annual requirement for the U.S. Department of Homeland Security (DHS), FEMA to identify current capability levels for all States, territories, urban areas, and Tribes receiving non-disaster preparedness grant funds administered by DHS.
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.
Previous / Next Documents
Previous: 2026-01050, Surrender of License of Small Business Investment Company; Pelion Ventures V Financial Institutions Fund, L.P.
Pelion Ventures V Financial Institutions Fund, L.P. has officially given up its license to operate as a Small Business Investment Company. This means they won’t be making new investments under this program anymore. The change is effective immediately, so small businesses and investors should take note of this update.
Next: 2026-01055, 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 and building rules might change soon. These updates are final, so check the new maps online or at local offices to stay ahead and avoid surprises with your flood insurance costs.