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).
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Key Dates
Department and Agencies
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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!
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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.