FEMA Quietly Redraws Flood Lines in Multiple States
Published Date: 7/9/2026
Notice
Summary
FEMA is updating flood risk maps for several communities based on new science, changing flood zones, water levels, and boundaries. If you live or own property in these areas, your flood insurance rules and costs might change soon. You’ve got 90 days after local notice to ask for a review before the updates become final, so keep an eye out and act fast!
Analyzed Economic Effects
3 provisions identified: 1 benefits, 0 costs, 2 mixed.
Flood-map changes may alter insurance
If you live or own property in any community listed in this notice, changes to Flood Insurance Rate Maps (FIRMs) — including Base Flood Elevations, flood zones, and floodway boundaries — may change your flood insurance rules and costs. Revised maps and the current effective FIRM/FIS are available online at https://msc.fema.gov for comparison.
Communities must use revised FIRMs for NFIP rules
The revised FIRMs and, where applicable, portions of the Flood Insurance Study (FIS) are the basis of the floodplain management measures that a listed community is required to adopt or show in effect to qualify or remain in the National Flood Insurance Program (NFIP). The notice also states the current effective community number must be used for all new flood insurance policies and renewals.
90-day window to challenge map changes
After the second local newspaper notice, anyone in the affected community has 90 days to ask the community to request reconsideration of the flood hazard determinations from FEMA. Revised flood hazard information is available for inspection online at https://msc.fema.gov and at local community map repositories listed in the notice.
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Key Dates
Department and Agencies
Related Federal Register Documents
2026-13899 — Changes in Flood Hazard Determinations
FEMA is updating flood maps for certain communities using new science to better show flood risks. If you live or own property in these areas, your flood insurance rules might change soon, so check the new maps and act fast! You’ve got 90 days after local notices to ask for a review, and these updates could affect your insurance costs and safety plans.
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.
2026-13897 — 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.
2026-13901 — Proposed Flood Hazard Determinations
FEMA is updating flood risk maps for several communities, which could change flood zones and rules for flood insurance. If you live in these areas, your flood insurance costs or requirements might change, so check the new maps and share your thoughts by October 7, 2026. These updates help communities stay safe and keep their flood insurance programs running smoothly.
2026-12399 — Rescinding Portions of DHS Title VI Regulations To Conform More Closely With the Statutory Text and To Implement Executive Order 14281
Starting June 22, 2026, DHS is updating its rules to match the original meaning of the Civil Rights Act’s Title VI, just like the Department of Justice did. This change affects anyone involved with DHS or FEMA programs that get federal money, making it easier and cheaper to follow the rules while protecting people from discrimination. No big costs or delays—just clearer, fairer rules for everyone!
2026-11826 — Agency Information Collection Activities: Proposed Collection, Comment Request; FEMA Inspection and Claims Forms
FEMA wants to update its inspection and claims forms to make things easier and faster for people applying for disaster help. This affects anyone filing a claim or getting an inspection after a disaster. They’re asking for your feedback before making changes, with no new costs or deadlines yet.
Previous / Next Documents
Previous: 2026-13899 — Changes in Flood Hazard Determinations
FEMA is updating flood maps for certain communities using new science to better show flood risks. If you live or own property in these areas, your flood insurance rules might change soon, so check the new maps and act fast! You’ve got 90 days after local notices to ask for a review, and these updates could affect your insurance costs and safety plans.
Next: 2026-13901 — Proposed Flood Hazard Determinations
FEMA is updating flood risk maps for several communities, which could change flood zones and rules for flood insurance. If you live in these areas, your flood insurance costs or requirements might change, so check the new maps and share your thoughts by October 7, 2026. These updates help communities stay safe and keep their flood insurance programs running smoothly.