FEMA Redraws Flood Maps and Your Insurance Bill
Published Date: 5/18/2026
Notice
Summary
FEMA is updating flood maps for certain communities using new science, changing flood risk zones and water levels. If you live or own property in these areas, your flood insurance rules and costs might change soon. You’ve got 90 days after local notice to ask for a review, so keep an eye out and act fast!
Analyzed Economic Effects
4 provisions identified: 1 benefits, 0 costs, 3 mixed.
Updated flood maps may change insurance
If you live in or own property in any of the listed communities, FEMA updated Flood Insurance Rate Maps (changes to Base Flood Elevations, Special Flood Hazard Area boundaries, zone designations, or regulatory floodways). These map changes can change your flood insurance rules and costs; revisions were finalized on the dates shown in the table (examples: Apr. 6, Apr. 10, Apr. 13, Apr. 17, Apr. 29, Apr. 30, May 6, 2026). Check the FEMA Map Service Center (https://msc.fema.gov) and your local community map repository for the specific changes.
Communities must meet NFIP floodplain rules
The revised FIRMs and FIS reports are the basis of floodplain management measures communities must adopt or show evidence of having in effect to qualify or remain in the National Flood Insurance Program (NFIP) under 44 CFR 60.3. These determinations are the minimum required; communities may keep or enact stricter local ordinances.
90-day window to request reconsideration
You have 90 days from the second publication of notice in a local newspaper to ask, through your community, that the Assistant Administrator reconsider the flood hazard changes. Any request for reconsideration must be submitted to the Chief Executive Officer of the community as listed in the table, and the flood hazard information may change during that 90-day period.
Use new community number for policies
For the listed communities, the current effective community number shown in the table must be used for all new flood insurance policies and renewals. Insurers and policyholders should reference the community number in the table when buying or renewing coverage.
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
2026-15944, 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.
2026-15946, 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.
2026-15943, 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).
2026-15942, 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).
2026-15938, 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).
2026-15941, 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).
Previous / Next Documents
Previous: 2026-09846, Agency Information Collection Activities; Extension, Without Change, of a Currently Approved Collection: Employment Eligibility Verification
The Department of Homeland Security is extending the current form used to verify if someone can legally work in the U.S., without making any changes. Employers and workers who use this form should know the extension keeps things the same, with no new costs or rules. You’ve got until July 17, 2026, to share your thoughts on this extension.
Next: 2026-09848, Final Flood Hazard Determinations
Starting June 10, 2026, several communities will see updated flood risk maps that show new or changed flood zones and water levels. These changes affect homeowners, renters, and local governments by guiding flood insurance rules and safety plans. If you live in or own property in these areas, expect updates that could impact insurance costs and building rules.