FEMA Finalizes Flood Zone Updates for Local Areas
Published Date: 5/7/2026
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
2 provisions identified: 0 benefits, 0 costs, 2 mixed.
Final flood-map updates may change insurance
FEMA finalized new Letter of Map Revisions (LOMRs) that change Base Flood Elevations (BFEs), Special Flood Hazard Area (SFHA) boundaries, and regulatory floodways for the listed communities. Those LOMRs (finalized between Nov. 25, 2025 and Jan. 12, 2026) revise the Flood Insurance Rate Maps (FIRMs) and could change your flood insurance costs or requirements if you own or lease property in the listed areas.
Communities must adopt NFIP floodplain measures
The finalized LOMRs provide the flood hazard information that communities listed must adopt or show evidence of having in effect so they can remain qualified for participation in the National Flood Insurance Program (NFIP). The requirement is based on floodplain management criteria in 44 CFR 60.3 and applies to the communities shown in the notice (LOMR dates Nov. 25, 2025 through Jan. 12, 2026).
Personalized for You
How does this regulation affect your finances?
Personalize government policy and PRIA will tell you what this federal register document means for your household, plus every other regulation we track. PRIA reads each provision against your financial profile to show you exactly what matters to your wallet.
Key Dates
Department and Agencies
Related Federal Register Documents
2026-19856, Notice of Award Amount Adjustment for Serious Needs Assistance
Starting October 1, 2025, FEMA is raising the Serious Needs Assistance award to $790 for people affected by emergencies or major disasters. This change helps cover more costs due to rising prices and applies to disasters declared on or after that date. If you qualify, expect a bit more help when disaster strikes!
2026-19858, Notice of Adjustment of Countywide Per Capita Impact Indicator
FEMA is raising the countywide per person damage indicator to $4.86 for disasters starting on or after October 1, 2025. This change helps decide how much aid counties get after big disasters, reflecting a 2.9% rise in living costs. If your county faces a major disaster after that date, expect updated funding calculations based on this new number.
2026-19855, Notice of Adjustment of Statewide per Capita Impact Indicator
FEMA just raised the statewide per person impact amount to $1.94 for disasters starting on or after October 1, 2025. This change helps make sure disaster aid keeps up with rising costs, thanks to a 2.9% bump in the Consumer Price Index. If you’re involved in disaster recovery, this means more accurate funding for your community’s needs.
2026-19859, Notice of Adjustment of Minimum Project Worksheet Amount
FEMA is raising the minimum amount for disaster project approvals to $4,100 starting October 1, 2025. This change affects anyone applying for disaster aid after that date and reflects a 2.9% cost increase based on inflation. If you’re involved in disaster recovery, this means bigger projects need to meet the new minimum to get funding.
2026-19898, Notice of Adjustment of Disaster Grant Amounts
Starting October 1, 2025, FEMA is raising the cutoff for Small Project disaster grants to $1,093,800. This means state, tribal, local governments, and nonprofits can get more money for smaller disaster repairs thanks to a 2.9% cost increase adjustment. If you’re involved in disaster recovery, this change helps you get the right funding faster and easier!
2026-19857, Notices of Emergency and Major Disaster Declarations and Related Amendments
From March to August 2026, the President declared emergencies and major disasters affecting various states and tribes, unlocking federal help and funding. These updates also include changes to past disaster declarations dating back to 2018, ensuring communities get the support they need. If you live in an affected area, expect new assistance programs and important deadlines to help recovery efforts.
Previous / Next Documents
Previous: 2026-09013, Final Flood Hazard Determinations
FEMA has finalized updates to flood risk maps for certain communities, changing flood zones and water levels that affect flood insurance rules. Homeowners, renters, and local governments in these areas need to check the new maps by June 23, 2026, to stay protected and insured. These changes could impact insurance costs and building rules, so it’s smart to stay informed and prepared!
Next: 2026-09015, Proposed Flood Hazard Determinations
FEMA is updating flood risk maps for several communities, which could change flood zones and rules for flood insurance. If you live or own property in these areas, these changes might affect your insurance costs and building rules. You have until August 5, 2026, to review and comment on these updates before they become official.