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
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Related Federal Register Documents
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.
2026-11676 — Changes in Flood Hazard Determinations
FEMA is updating flood risk maps for certain communities based on 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 have 90 days after local notice to ask for a review before the updates become final.
2026-11667 — Changes in Flood Hazard Determinations
FEMA is updating flood risk maps for certain communities based on new science, which could change flood zones and insurance rules. If you live or own property in these areas, your flood insurance needs or costs might change soon. You’ve got 90 days after local notices to ask for a review before the updates become final.
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!
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!
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.
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.