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
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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.