# 2026-11678: New Flood Zone Maps Could Affect Insurance Costs

2026-11678, Proposed Flood Hazard Determinations, is a Federal Register notice from Homeland Security Department, Federal Emergency Management Agency published 2026-06-11, effective Comments are to be submitted on or before September 9, 2026.; PRIA reads it as touching household money (as of 2026-06-18).

- Canonical: https://policyrisk.com/federal-register/2026-11678
- As of: 2026-06-18
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Document number: 2026-11678
- Title: Proposed Flood Hazard Determinations
- Type: Notice
- Agencies: Homeland Security Department; Federal Emergency Management Agency
- Citation: 91 FR 35530
- Published: 2026-06-11
- Effective: Comments are to be submitted on or before September 9, 2026.
- Comments close: 2026-09-09
- Significant: no
- Touches household money: yes
- Regulation identifier numbers: none
- Last updated: 2026-06-18

## In one line

New Flood Zone Maps Could Affect Insurance Costs

## 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.

## Abstract

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).

## Effects PRIA read

- Flood map changes may alter insurance & rules: mixed, medium. 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 b…
- Communities must meet NFIP management rules: cost, medium. 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 Tenne…
- You can comment, appeal, and request an SRP: benefit, low. 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 h…

## 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
- [2026-11678 on federalregister.gov](https://www.federalregister.gov/documents/2026/06/11/2026-11678/proposed-flood-hazard-determinations)
- [2026-11678 as published (PDF)](https://www.govinfo.gov/content/pkg/FR-2026-06-11/pdf/2026-11678.pdf)

## Related
- [Previous: 2026-11677, Changes in Flood Hazard Determinations](https://policyrisk.com/federal-register/2026-11677)
- [Next: 2026-11679, Proposed Flood Hazard Determinations](https://policyrisk.com/federal-register/2026-11679)
- [All Federal Register documents](https://policyrisk.com/federal-register)

Source: PRIA, https://policyrisk.com/federal-register/2026-11678 (as of 2026-06-18).