Latest Round of FEMA Flood Maps Takes Effect
Published Date: 7/9/2026
Notice
Summary
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.
Analyzed Economic Effects
2 provisions identified: 0 benefits, 1 costs, 1 mixed.
Final flood-map changes for listed communities
FEMA finalized Letter of Map Revisions (LOMRs) for the communities listed in the table (finalization dates in the table range from Apr. 9, 2026 through May 4, 2026). These LOMRs revise Base (1%-annual chance) Flood Elevations (BFEs), base flood depths, Special Flood Hazard Area (SFHA) boundaries or zone designations, and/or regulatory floodways, and they revise the Flood Insurance Rate Maps (FIRMs) (and in some cases Flood Insurance Study reports) that apply to those communities. If you own or lease property in one of the listed communities, the mapped flood zone or BFE for your property may change and that can affect flood insurance requirements and building or permit rules when you get a new policy or renew an existing policy.
Communities must meet NFIP floodplain rules
The finalized flood hazard information in these LOMRs is the basis for the floodplain management measures communities must adopt or prove are already in effect so they remain qualified for participation in the National Flood Insurance Program (NFIP). The maps and the floodplain management criteria required by 44 CFR 60.3 are the minimum the community must meet, although communities may keep or enact stricter local rules.
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Key Dates
Department and Agencies
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Next: 2026-13898, 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.