Flood Maps Incoming Nov 2026: Check Yours, Save Cash!
Published Date: 8/21/2026
Notice
Summary
Starting November 27, 2026, certain communities will see updated flood risk maps that show new or changed flood zones and water levels. These updates affect homeowners, renters, and local governments by changing flood insurance rules and building requirements. If you live in these areas, it’s time to check the new maps to stay safe and save money on insurance!
Analyzed Economic Effects
3 provisions identified: 1 benefits, 2 costs, 0 mixed.
Flood Hazard Maps Finalized
For listed communities in Colorado (Larimer County), Kansas (Allen County and Crawford County), Maryland (Carroll County), and West Virginia (Jefferson County), FEMA finalized flood hazard determinations that may add or change Base Flood Elevations (BFEs), base flood depths, Special Flood Hazard Area (SFHA) boundaries or zone designations, or regulatory floodways. These final changes are effective with the FIRM and, where applicable, the FIS report on November 27, 2026.
Communities Must Adopt NFIP Measures
The Flood Insurance Rate Map (FIRM) and Flood Insurance Study (FIS) report are the basis of floodplain management measures that a community is required to adopt or to show evidence of having an effect in order to qualify or remain qualified for participation in FEMA's National Flood Insurance Program (NFIP). The final determinations noted in this notice were issued after publication and resolution of appeals, with the new FIRM/FIS information established for November 27, 2026.
Maps Available Locally and Online
The final FIRM and, if applicable, the FIS report for each listed community will be available for inspection at the community map repository addresses listed in the notice and online through FEMA's Map Service Center (https://msc.fema.gov) by November 27, 2026. FEMA encourages lessees and owners of real property to review the new or revised maps at those locations or online.
Personalized for You
How does this regulation affect your finances?
Personalize government policy and PRIA will tell you what this federal register document means for your household, plus every other regulation we track. PRIA reads each provision against your financial profile to show you exactly what matters to your wallet.
Key Dates
Department and Agencies
Related Federal Register Documents
2026-20458, Agency Information Collection Activities: Submission for OMB Review, Comment Request; Hazard Mitigation Grant Programs
FEMA is updating the forms used for several Hazard Mitigation Grant Programs that help communities prepare for disasters. This affects anyone applying for grants like flood or dam safety projects. They want your feedback by November 5, 2026, to keep things running smoothly and make sure the paperwork isn’t too tricky.
2026-19854, Notice of Maximum Amount of Assistance Under the Individuals and Households Program
Starting October 1, 2025, FEMA is raising the maximum help you can get after a disaster to $44,800 for housing and $44,800 for other needs. This boost helps folks affected by emergencies or major disasters get more support, thanks to a 2.9% cost increase. If you’re dealing with disaster recovery, this means more money to rebuild and recover!
2026-19859, Notice of Adjustment of Minimum Project Worksheet Amount
FEMA is raising the minimum amount for disaster project approvals to $4,100 starting October 1, 2025. This change affects anyone applying for disaster aid after that date and reflects a 2.9% cost increase based on inflation. If you’re involved in disaster recovery, this means bigger projects need to meet the new minimum to get funding.
2026-19856, Notice of Award Amount Adjustment for Serious Needs Assistance
Starting October 1, 2025, FEMA is raising the Serious Needs Assistance award to $790 for people affected by emergencies or major disasters. This change helps cover more costs due to rising prices and applies to disasters declared on or after that date. If you qualify, expect a bit more help when disaster strikes!
2026-19898, Notice of Adjustment of Disaster Grant Amounts
Starting October 1, 2025, FEMA is raising the cutoff for Small Project disaster grants to $1,093,800. This means state, tribal, local governments, and nonprofits can get more money for smaller disaster repairs thanks to a 2.9% cost increase adjustment. If you’re involved in disaster recovery, this change helps you get the right funding faster and easier!
2026-19855, Notice of Adjustment of Statewide per Capita Impact Indicator
FEMA just raised the statewide per person impact amount to $1.94 for disasters starting on or after October 1, 2025. This change helps make sure disaster aid keeps up with rising costs, thanks to a 2.9% bump in the Consumer Price Index. If you’re involved in disaster recovery, this means more accurate funding for your community’s needs.
Previous / Next Documents
Previous: 2026-17076, Proposed Flood Hazard Determinations
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).
Next: 2026-17078, Final Flood Hazard Determinations
Flood hazard determinations, which may include additions or modifications of Base Flood Elevations (BFEs), base flood depths, Special Flood Hazard Area (SFHA) boundaries or zone designations, or regulatory floodways on the Flood Insurance Rate Maps (FIRMs) and where applicable, in the supporting Flood Insurance Study (FIS) reports have been made final for the communities listed in the table below. The FIRM and FIS report are the basis of the floodplain management measures that a community is required either to adopt or to show evidence of having an effect in order to qualify or remain qualified for participation in the Federal Emergency Management Agency's (FEMA's) National Flood Insurance Program (NFIP).