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
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Related Federal Register Documents
2026-11674 — Changes in Flood Hazard Determinations
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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.