New Flood Zone Maps Could Affect Insurance Costs
Published Date: 6/11/2026
Notice
Summary
FEMA is updating flood risk maps for several communities, which could change flood zones and water levels used for insurance and safety rules. If you live or work in these areas, these changes might affect your flood insurance costs and building rules. You’ve got until September 9, 2026, to check the new maps and share your thoughts before they become official.
Analyzed Economic Effects
3 provisions identified: 1 benefits, 1 costs, 1 mixed.
Flood map changes may alter insurance & rules
FEMA proposes changes to Base Flood Elevations (BFE), Special Flood Hazard Area (SFHA) boundaries, zone designations, or regulatory floodways for listed communities. If you live or work in the affected areas of Nebraska or Tennessee, these changes might affect your flood insurance costs and local building rules; you can view the Preliminary Flood Insurance Rate Maps online or at the local map repository.
Communities must meet NFIP management rules
The Preliminary FIRM and Flood Insurance Study are the basis for floodplain management measures communities must adopt or show they have in effect to qualify or remain qualified for the National Flood Insurance Program (NFIP). This requirement applies to the listed communities in Nebraska and Tennessee and could affect local enforcement of building and land-use rules tied to NFIP participation.
You can comment, appeal, and request an SRP
Members of the public have until September 9, 2026 to submit comments on the Preliminary FIRM and FIS reports (Docket No. FEMA-B-2606). If you or your community appeals the revised flood information under 44 CFR 67.6(b), a Scientific Resolution Panel (SRP) may be used after FEMA and the community have consulted for at least 60 days without a mutually acceptable resolution.
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Key Dates
Department and Agencies
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Previous / Next Documents
Previous: 2026-11677, Changes in Flood Hazard Determinations
FEMA is updating flood risk maps for certain communities using new science and data. These changes might affect flood insurance rules and costs, so residents and businesses should check the updated maps and act fast if they want to appeal within 90 days. The updates take effect on specific dates listed for each community, helping everyone stay safer and smarter about flood risks.
Next: 2026-11679, Proposed Flood Hazard Determinations
FEMA is updating flood risk maps for several communities, which could change flood zones and insurance rules. If you live or own property in these areas, these changes might affect your flood insurance costs and building rules. You have until September 9, 2026, to review and comment on the proposed updates before they become official.