Changes in Flood Hazard Determinations
Published Date: 1/29/2026
Notice
Summary
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!
Analyzed Economic Effects
4 provisions identified: 2 benefits, 1 costs, 1 mixed.
Flood insurance rules and costs
If you live in one of the listed communities, revised flood maps (FIRMs and, where applicable, FIS reports) may change flood insurance rules and costs. The table shows the current effective community number that must be used for all new policies and renewals, and map revisions are finalized on the dates listed in the table (examples in the notice range from Jan. 22, 2026 through Apr. 13, 2026).
Revised maps drive local rules
The revised FIRMs and, where applicable, portions of the FIS reports serve as the basis for the floodplain management measures a community must adopt or show are in effect to qualify or remain qualified in the National Flood Insurance Program (NFIP). These determinations are the minimum required under 44 CFR 60.3; communities may keep or adopt stricter rules.
90‑day appeal window to reconsider
From the date of the second publication of notification in a local newspaper, any person has 90 days to request that FEMA reconsider the flood hazard changes by submitting a request through the community to the Assistant Administrator, Federal Insurance Directorate. Appeals or requests for reconsideration must be submitted to the Chief Executive Officer listed in the table.
Where to inspect revised maps
Revised flood hazard information for each listed community is available for inspection online through the FEMA Map Service Center at https://msc.fema.gov and at the respective community map repository addresses shown in the table in the notice.
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Key Dates
Department and Agencies
Related Federal Register Documents
2026-17070, 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.
2026-17073, 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).
2026-17069, 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.
2026-17072, 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.
2026-17074, Proposed Flood Hazard Determinations
Comments are requested on proposed flood hazard determinations, which may include additions or modifications of any Base Flood Elevation (BFE), base flood depth, Special Flood Hazard Area (SFHA) boundary or zone designation, or regulatory floodway on the Flood Insurance Rate Maps (FIRMs), and where applicable, in the supporting Flood Insurance Study (FIS) reports for the communities listed in the table below. The purpose of this notice is to seek general information and comment regarding the preliminary FIRM, and where applicable, the FIS report that the Federal Emergency Management Agency (FEMA) has provided to the affected communities. The FIRM and FIS report are the basis of the floodplain management measures that the community is required either to adopt or to show evidence of having in effect in order to qualify or remain qualified for participation in the National Flood Insurance Program (NFIP).
Previous / Next Documents
Previous: 2026-01744, 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: 2026-01746, Proposed Flood Hazard Determinations
FEMA is updating flood risk maps for several communities, which could change flood zones and insurance rules. If you live or own property in these areas, these changes might affect your flood insurance costs and building rules. You’ve got until April 29, 2026, to check the new maps and share your thoughts before they become official.