Flood Maps Locked In: Your Insurance Rates Might Budge Slightly
Published Date: 9/10/2026
Notice
Summary
New or modified Base (1-percent annual chance) Flood Elevations (BFEs), base flood depths, Special Flood Hazard Area (SFHA) boundaries or zone designations, and/or regulatory floodways (hereinafter referred to as flood hazard determinations) as shown on the indicated Letter of Map Revision (LOMR) for each of the communities listed in the table below are finalized. Each LOMR revises the Flood Insurance Rate Maps (FIRMs), and in some cases the Flood Insurance Study (FIS) reports, currently in effect for the listed communities.
Analyzed Economic Effects
4 provisions identified: 1 benefits, 0 costs, 3 mixed.
Finalized flood map changes
FEMA finalized new or modified flood hazard determinations (Base Flood Elevations, Special Flood Hazard Area boundaries, zone designations, and/or regulatory floodways) as shown in Letters of Map Revision for the listed communities. The LOMRs revise Flood Insurance Rate Maps and, in some cases, Flood Insurance Study reports, with finalization dates shown in the table (examples include May 6, 2026; May 14, 2026; May 19, 2026; May 21, 2026; May 22, 2026; May 28, 2026; May 29, 2026; June 1, 2026; June 4, 2026; and June 5, 2026).
Maps set NFIP management rules
The new or modified flood hazard information becomes the basis for the floodplain management measures a community must adopt or show are already in effect for it to remain qualified for participation in the National Flood Insurance Program (NFIP). Communities listed must use these revised flood hazard determinations when meeting NFIP requirements.
Use updated community number for policies
The notice states the current effective community number shown in the LOMR must be used for all new flood insurance policies and renewals. Insurers and policyholders in the listed communities should use the updated community number when obtaining or renewing NFIP coverage.
Owners urged to review final maps
FEMA encourages lessees and owners of real property in the listed communities to review the final flood hazard information at the community map repository or online through the FEMA Map Service Center (https://msc.fema.gov). The notice identifies community map repository addresses and states each LOMR is available for inspection.
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Key Dates
Department and Agencies
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Previous / Next Documents
Previous: 2026-18402, Self-Regulatory Organizations; New York Stock Exchange LLC; Notice of Filing and Immediate Effectiveness of Proposed Rule Change To Amend the Connectivity Fee Schedule
Next: 2026-18404, Changes in Flood Hazard Determinations
This notice lists communities where the addition or modification of Base Flood Elevations (BFEs), base flood depths, Special Flood Hazard Area (SFHA) boundaries or zone designations, or the regulatory floodway (hereinafter referred to as flood hazard determinations), as shown on the Flood Insurance Rate Maps (FIRMs), and where applicable, in the supporting Flood Insurance Study (FIS) reports, prepared by the Federal Emergency Management Agency (FEMA) for each community, is appropriate because of new scientific or technical data. The FIRM, and where applicable, portions of the FIS report, have been revised to reflect these flood hazard determinations through issuance of a Letter of Map Revision (LOMR), in accordance with Federal Regulations. The current effective community number is shown in the table below and must be used for all new policies and renewals.