New Flood Insurance Rules Take Effect in July
Published Date: 6/11/2026
Notice
Summary
Starting July 21, 2026, certain communities will see updated flood risk maps that show new or changed flood zones and water levels. These updates affect homeowners, renters, and local officials who must follow new rules to stay in the National Flood Insurance Program. The changes could impact insurance costs and building plans, so everyone should check the updated maps online or at local offices.
Analyzed Economic Effects
3 provisions identified: 1 benefits, 0 costs, 2 mixed.
Updated Flood Maps Take Effect
On July 21, 2026, FEMA finalized updated flood hazard maps (FIRMs) and supporting Flood Insurance Study (FIS) reports for the listed communities in Illinois, Minnesota, and New York. The updates may add or change Base Flood Elevations (BFEs), base flood depths, Special Flood Hazard Area (SFHA) boundaries or zone designations, and regulatory floodways, which could affect homeowners, renters, and local planning or building decisions.
Community NFIP Participation Requirement
FEMA's final flood hazard information forms the basis of the floodplain management measures that each listed community is required to adopt or show evidence of having in effect to qualify or remain qualified for the National Flood Insurance Program (NFIP). This requirement applies to the communities named in the notice and relates to maintaining NFIP participation.
Where to Find the New Maps
The updated FIRMs and FIS reports will be available for inspection at each community's local map repository address listed in the notice and online through the FEMA Map Service Center (https://msc.fema.gov) by July 21, 2026. FEMA also encourages interested lessees and owners of real property to review the new or revised maps and reports.
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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: 2026-11672, Final Flood Hazard Determinations
FEMA has finalized updates to flood risk maps for certain communities, changing flood zones and water levels that affect flood insurance rules. Homeowners, renters, and local governments in these areas will need to follow new flood safety rules starting August 4, 2026. These changes could impact insurance costs and building requirements, so it’s a good idea to check the updated maps online or at local offices.
Next: 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.