Flood Zones Finalized: Check If Your Property's Now Underwater on Paper
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 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.
Analyzed Economic Effects
3 provisions identified: 0 benefits, 1 costs, 2 mixed.
Finalized Flood Map Changes
FEMA finalized changes to flood hazard determinations (Base Flood Elevations, flood zones, Special Flood Hazard Area boundaries, and/or regulatory floodways) that revise Flood Insurance Rate Maps and, in some cases, Flood Insurance Study reports for the communities listed. These LOMRs were finalized on the dates shown in the table (examples range from Nov. 4, 2025 through Dec. 1, 2025). If you live in or own property in those communities, your flood insurance requirements and local building or permitting rules might change.
Communities Must Meet NFIP Floodplain Rules
FEMA says the new or modified flood hazard information is the basis for floodplain management measures that a community is required to adopt or show are already in effect in order to remain qualified for participation in the National Flood Insurance Program (NFIP). Property owners in those communities are affected because community adoption of these measures is tied to NFIP participation and the mapping shown on the revised FIRMs.
Use Updated Community Numbers
FEMA states that the current effective community number shown in the notice must be used for all new flood insurance policies and renewals in the listed communities. This instruction applies to policies issued or renewed after the LOMR finalization dates shown in the table (Nov. 4, 2025 through Dec. 1, 2025).
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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: 2026-01054, 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 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!
Next: 2026-01056, Proposed Flood Hazard Determinations
FEMA is updating flood risk maps for certain communities, which could change flood zones and water levels used for insurance and safety rules. If you live or work in these areas, these changes might affect your flood insurance costs or building rules. You’ve got until April 21, 2026, to check out the new maps and share your thoughts before they become official.