FEMA Finalizes Flood Updates Affecting Local Insurance
Published Date: 6/11/2026
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 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.
Analyzed Economic Effects
1 provisions identified: 0 benefits, 0 costs, 1 mixed.
Finalized Flood Map Changes for Listed Communities
If you live in or own property in the communities listed (states include AZ, CA, CO, ID, NV, UT, and WY), FEMA finalized new Letter of Map Revisions (LOMRs) on the dates shown in the table (modification dates range from 2025-09-18 to 2025-10-15). These LOMRs revise the Flood Insurance Rate Maps (and in some cases Flood Insurance Study reports), are the basis for floodplain management measures communities must adopt or show are already in effect to remain in the National Flood Insurance Program, and the current effective community number must be used for all new flood insurance policies and renewals. Review your community map repository or the FEMA Map Service Center at https://msc.fema.gov to see how your property is affected.
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Related Federal Register Documents
2026-11674 — 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 insurance rates or building rules 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.
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Next: 2026-11665 — Changes in Flood Hazard Determinations
FEMA has updated flood risk maps for several communities, changing flood zones, flood heights, and special flood areas. These changes affect homeowners, businesses, and local governments by potentially altering flood insurance costs and building rules. The updates are final, and folks should check the new maps soon to stay protected and compliant.