New Flood Maps Could Shift Insurance for Homeowners
Published Date: 6/11/2026
Notice
Summary
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.
Analyzed Economic Effects
2 provisions identified: 0 benefits, 1 costs, 1 mixed.
Finalized Flood Map Changes for Listed Areas
If you own property or run a business in any of the listed communities (states include AL, CT, DE, FL, IL, IN, KY, ME, MA, MD, MI, MN, NC, OH, OK, SC, TN, TX, VA), FEMA finalized changes to flood zones, Base (1-percent annual chance) Flood Elevations (BFEs), Special Flood Hazard Area boundaries, and regulatory floodways. These LOMRs were finalized on the dates shown in the table (for example between Oct. 30, 2025 and Jan. 29, 2026) and can change whether you must carry flood insurance, the cost of insurance, and local building rules; the current effective community number must be used for all new policies and renewals.
Community NFIP Compliance Requirement
The notice says each community with a finalized LOMR must adopt, or show evidence it already has, the floodplain management measures required by 44 CFR 60.3 in order to remain qualified for the National Flood Insurance Program (NFIP). Local officials listed in the table are expected to meet those regulatory measures so the community can continue NFIP participation.
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Key Dates
Department and Agencies
Related Federal Register Documents
2026-15560, Agency Information Collection Activities: Proposed Collection; Comment Request; Application for Participation in the National Flood Insurance Program
The Federal Emergency Management Agency (FEMA), as part of its continuing effort to reduce paperwork and respondent burden, invites the general public to take this opportunity to comment on an extension, without change, of a currently approved information collection. In accordance with the Paperwork Reduction Act of 1995, this notice seeks comments concerning the collection of information under which communities submit information to FEMA for application and continued participation in the National Flood Insurance Program (NFIP).
2026-15333, Agency Information Collection Activities: Submission for OMB Review, Comment Request; Application for Surplus Federal Real Property Public Benefit Conveyance and BRAC Program for Emergency Management Use
The Federal Emergency Management Agency (FEMA) will submit the information collection abstracted below to the Office of Management and Budget for review and clearance in accordance with the requirements of the Paperwork Reduction Act of 1995. FEMA invites the general public to take this opportunity to comment on an extension of a currently approved information collection. In accordance with the requirements of the Paperwork Reduction Act of 1995, this notice seeks comments concerning the application process for the conveyance of Federal real property for public benefit. The purpose of this application is to implement the processes and procedures for the successful, lawful, and expeditious conveyance of real property from the Federal government to public entities such as State, local, city, town, or other like government bodies as it relates to emergency management response purposes, including fire and rescue services. Compliance will ensure that properties will be fully positioned to use at their highest and best potentials as required by General Services Administration (GSA) and Department of Defense (DOD)/Department of War (DOW) regulations, Federal law, Executive Orders, and the Code of Federal Regulations (CFR).
2026-13901, 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 in these areas, your flood insurance costs or requirements might change, so check the new maps and share your thoughts by October 7, 2026. These updates help communities stay safe and keep their flood insurance programs running smoothly.
2026-13897, 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.
2026-13899, Changes in Flood Hazard Determinations
FEMA is updating flood maps for certain communities using new science to better show flood risks. If you live or own property in these areas, your flood insurance rules might change soon, so check the new maps and act fast! You’ve got 90 days after local notices to ask for a review, and these updates could affect your insurance costs and safety plans.
2026-13900, Changes in Flood Hazard Determinations
FEMA is updating flood risk maps for several communities based on new science, changing flood zones, water levels, and boundaries. 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 before the updates become final, so keep an eye out and act fast!
Previous / Next Documents
Previous: 2026-11664, 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 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.
Next: 2026-11666, 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.