# 2026-11665: New Flood Maps Could Shift Insurance for Homeowners

2026-11665, Changes in Flood Hazard Determinations, is a Federal Register notice from Homeland Security Department, Federal Emergency Management Agency published 2026-06-11, effective Each LOMR was finalized as in the table below.; PRIA reads it as touching household money (as of 2026-06-18).

- Canonical: https://policyrisk.com/federal-register/2026-11665
- As of: 2026-06-18
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Document number: 2026-11665
- Title: Changes in Flood Hazard Determinations
- Type: Notice
- Agencies: Homeland Security Department; Federal Emergency Management Agency
- Citation: 91 FR 35504
- Published: 2026-06-11
- Effective: Each LOMR was finalized as in the table below.
- Comments close: not stated
- Significant: no
- Touches household money: yes
- Regulation identifier numbers: none
- Last updated: 2026-06-18

## In one line

New Flood Maps Could Shift Insurance for Homeowners

## 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.

## Abstract

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.

## Effects PRIA read

- Finalized Flood Map Changes for Listed Areas: mixed, medium. 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, an…
- Community NFIP Compliance Requirement: cost, medium. 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 r…

## Related documents

- [2026-20497](https://policyrisk.com/federal-register/2026-20497): Agency Information Collection Activities: Submission for OMB Review, Comment Request; Elevation Certificate/Floodproofing Certificate., 2026-10-07
- [2026-20458](https://policyrisk.com/federal-register/2026-20458): Agency Information Collection Activities: Submission for OMB Review, Comment Request; Hazard Mitigation Grant Programs, 2026-10-06
- [2026-19854](https://policyrisk.com/federal-register/2026-19854): Notice of Maximum Amount of Assistance Under the Individuals and Households Program, 2026-09-29
- [2026-19856](https://policyrisk.com/federal-register/2026-19856): Notice of Award Amount Adjustment for Serious Needs Assistance, 2026-09-29
- [2026-19898](https://policyrisk.com/federal-register/2026-19898): Notice of Adjustment of Disaster Grant Amounts, 2026-09-29
- [2026-19859](https://policyrisk.com/federal-register/2026-19859): Notice of Adjustment of Minimum Project Worksheet Amount, 2026-09-29

## Sources
- [2026-11665 on federalregister.gov](https://www.federalregister.gov/documents/2026/06/11/2026-11665/changes-in-flood-hazard-determinations)
- [2026-11665 as published (PDF)](https://www.govinfo.gov/content/pkg/FR-2026-06-11/pdf/2026-11665.pdf)

## Related
- [Previous: 2026-11664, Changes in Flood Hazard Determinations](https://policyrisk.com/federal-register/2026-11664)
- [Next: 2026-11666, Changes in Flood Hazard Determinations](https://policyrisk.com/federal-register/2026-11666)
- [All Federal Register documents](https://policyrisk.com/federal-register)

Source: PRIA, https://policyrisk.com/federal-register/2026-11665 (as of 2026-06-18).