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.
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Key Dates
Department and Agencies
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