FEMA Quietly Redraws Flood Lines for Dozens of Towns
Published Date: 6/11/2026
Notice
Summary
FEMA is updating flood risk maps for certain communities using new science and data. These changes affect flood zones, flood heights, and insurance rules, so residents and businesses might see new flood risks and insurance costs. People have 90 days after local notice to ask for a review before changes become final.
Analyzed Economic Effects
4 provisions identified: 1 benefits, 2 costs, 1 mixed.
Map updates can change your flood risk
FEMA revised Flood Insurance Rate Maps (FIRMs) and Flood Insurance Study (FIS) reports for specific communities to update Base Flood Elevations, flood depths, Special Flood Hazard Area boundaries or zone designations, and regulatory floodways. If you live or run a business in one of the listed communities, these map changes may change your flood risk and could change your flood insurance costs when the changes are finalized on the dates shown in the table.
Community NFIP adoption requirement
FEMA states the revised FIRM and FIS reports are the basis of the floodplain management measures a community is required to adopt or to show evidence of having in effect in order to qualify or remain qualified for participation in the National Flood Insurance Program (NFIP).
90-day window to request reconsideration
From the date of the second local newspaper notice, any person has 90 days to ask the community to request that FEMA reconsider the flood hazard changes before they become final. The flood hazard information may change during that 90-day period.
New community number required for policies
The notice states that the current effective community number shown in the table must be used for all new flood insurance policies and renewals for the listed communities. This affects how insurers identify the community on new policies and renewals once the map revisions are in effect.
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Key Dates
Department and Agencies
Related Federal Register Documents
2026-19009, Agency Information Collection Activities: Submission for OMB Review, Comment Request; National Fire Department Registry
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 use of a form to collect data for the development and continuation of the National Fire Department Registry.
2026-18408, Proposed Flood Hazard Determinations
Comments are requested on proposed flood hazard determinations, which may include additions or modifications of any Base Flood Elevation (BFE), base flood depth, Special Flood Hazard Area (SFHA) boundary or zone designation, or regulatory floodway on the Flood Insurance Rate Maps (FIRMs), and where applicable, in the supporting Flood Insurance Study (FIS) reports for the communities listed in the table below. The purpose of this notice is to seek general information and comment regarding the preliminary FIRM, and where applicable, the FIS report that the Federal Emergency Management Agency (FEMA) has provided to the affected communities. The FIRM and FIS report are the basis of the floodplain management measures that the community is required either to adopt or to show evidence of having in effect in order to qualify or remain qualified for participation in the National Flood Insurance Program (NFIP).
2026-18403, Changes in Flood Hazard Determinations
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.
2026-18404, Changes in Flood Hazard Determinations
This notice lists communities where the addition or modification of Base Flood Elevations (BFEs), base flood depths, Special Flood Hazard Area (SFHA) boundaries or zone designations, or the regulatory floodway (hereinafter referred to as flood hazard determinations), as shown on the Flood Insurance Rate Maps (FIRMs), and where applicable, in the supporting Flood Insurance Study (FIS) reports, prepared by the Federal Emergency Management Agency (FEMA) for each community, is appropriate because of new scientific or technical data. The FIRM, and where applicable, portions of the FIS report, have been revised to reflect these flood hazard determinations through issuance of a Letter of Map Revision (LOMR), in accordance with Federal Regulations. The current effective community number is shown in the table below and must be used for all new policies and renewals.
2026-18405, Changes in Flood Hazard Determinations
This notice lists communities where the addition or modification of Base Flood Elevations (BFEs), base flood depths, Special Flood Hazard Area (SFHA) boundaries or zone designations, or the regulatory floodway (hereinafter referred to as flood hazard determinations), as shown on the Flood Insurance Rate Maps (FIRMs), and where applicable, in the supporting Flood Insurance Study (FIS) reports, prepared by the Federal Emergency Management Agency (FEMA) for each community, is appropriate because of new scientific or technical data. The FIRM, and where applicable, portions of the FIS report, have been revised to reflect these flood hazard determinations through issuance of a Letter of Map Revision (LOMR), in accordance with Federal Regulations. The current effective community number is shown in the table below and must be used for all new policies and renewals.
2026-18406, Proposed Flood Hazard Determinations
Comments are requested on proposed flood hazard determinations, which may include additions or modifications of any Base Flood Elevation (BFE), base flood depth, Special Flood Hazard Area (SFHA) boundary or zone designation, or regulatory floodway on the Flood Insurance Rate Maps (FIRMs), and where applicable, in the supporting Flood Insurance Study (FIS) reports for the communities listed in the table below. The purpose of this notice is to seek general information and comment regarding the preliminary FIRM, and where applicable, the FIS report that the Federal Emergency Management Agency (FEMA) has provided to the affected communities. The FIRM and FIS report are the basis of the floodplain management measures that the community is required either to adopt or to show evidence of having in effect in order to qualify or remain qualified for participation in the National Flood Insurance Program (NFIP).
Previous / Next Documents
Previous: 2026-11669, Changes in Flood Hazard Determinations
FEMA is updating flood risk maps for certain communities using new science, which could change flood zones and insurance rules. If you live or own property in these areas, your flood insurance costs or requirements might change soon. You’ve got 90 days after local notices to ask for a review, so keep an eye out and act fast!
Next: 2026-11671, Changes in Flood Hazard Determinations
FEMA is updating flood risk maps for certain communities based on new science, changing flood zones and water levels. If you live or own property in these areas, your flood insurance rules might change, possibly affecting costs. You’ve got 90 days after local notice to ask for a review before changes become final, so stay alert and check the updated maps online!