# 2026-11673: New Flood Insurance Rules Take Effect in July

2026-11673, Final Flood Hazard Determinations, is a Federal Register notice from Homeland Security Department, Federal Emergency Management Agency published 2026-06-11, effective 2026-07-21; PRIA reads it as touching household money (as of 2026-06-18).

- Canonical: https://policyrisk.com/federal-register/2026-11673
- As of: 2026-06-18
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Document number: 2026-11673
- Title: Final Flood Hazard Determinations
- Type: Notice
- Agencies: Homeland Security Department; Federal Emergency Management Agency
- Citation: 91 FR 35526
- Published: 2026-06-11
- Effective: 2026-07-21
- Comments close: not stated
- Significant: no
- Touches household money: yes
- Regulation identifier numbers: none
- Last updated: 2026-06-18

## In one line

New Flood Insurance Rules Take Effect in July

## 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.

## Abstract

Flood hazard determinations, which may include additions or modifications of Base Flood Elevations (BFEs), base flood depths, Special Flood Hazard Area (SFHA) boundaries or zone designations, or regulatory floodways on the Flood Insurance Rate Maps (FIRMs) and where applicable, in the supporting Flood Insurance Study (FIS) reports have been made final for the communities listed in the table below. The FIRM and FIS report are the basis of the floodplain management measures that a community is required either to adopt or to show evidence of having an effect in order to qualify or remain qualified for participation in the Federal Emergency Management Agency's (FEMA's) National Flood Insurance Program (NFIP).

## Effects PRIA read

- Updated Flood Maps Take Effect: mixed, medium. 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) boun…
- Community NFIP Participation Requirement: mixed, medium. 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 communitie…
- Where to Find the New Maps: benefit, low. 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 rev…

## 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
- [2026-11673 on federalregister.gov](https://www.federalregister.gov/documents/2026/06/11/2026-11673/final-flood-hazard-determinations)
- [2026-11673 as published (PDF)](https://www.govinfo.gov/content/pkg/FR-2026-06-11/pdf/2026-11673.pdf)

## Related
- [Previous: 2026-11672, Final Flood Hazard Determinations](https://policyrisk.com/federal-register/2026-11672)
- [Next: 2026-11674, Changes in Flood Hazard Determinations](https://policyrisk.com/federal-register/2026-11674)
- [All Federal Register documents](https://policyrisk.com/federal-register)

Source: PRIA, https://policyrisk.com/federal-register/2026-11673 (as of 2026-06-18).