Changes in Flood Hazard Determinations
Published Date: 1/29/2026
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 rates or requirements might change soon. These updates are final and already published, so check your local map or online to see how it impacts you and your wallet.
Analyzed Economic Effects
2 provisions identified: 0 benefits, 0 costs, 2 mixed.
Finalized Flood Zone Changes
FEMA finalized changes to Base (1-percent annual chance) Flood Elevations, Special Flood Hazard Area boundaries, and regulatory floodways for the communities listed in the notice, with LOMRs finalized on dates between Oct. 14, 2025 and Nov. 17, 2025. If you live, lease, or own property in those listed communities in AZ, CA, CO, ID, SD, or UT, your flood insurance rates or whether you must carry flood insurance might change—check the FEMA Map Service Center or your community map repository for the final maps.
Community NFIP Requirement Update
FEMA states the new or modified flood hazard information is the basis for floodplain management measures that each listed community is required either to adopt or to show are already in effect in order to remain qualified for participation in the National Flood Insurance Program (NFIP). If your community adopts new or stricter floodplain requirements because of these LOMRs, local building rules or floodplain controls and related costs for property owners may change.
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Key Dates
Department and Agencies
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Previous / Next Documents
Previous: 2026-01743, 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 rates or requirements might change soon. These updates are final and already published, so check your local map or online to see how it impacts you and your wallet.
Next: 2026-01745, Changes in Flood Hazard Determinations
FEMA is updating flood risk maps for certain communities using new science and data. These changes might affect flood insurance rules and costs, so residents and local leaders should check the updated maps and act fast—there’s a 90-day window to appeal. If you live in one of these areas, your flood insurance policy might change soon, so stay informed and ready!