FEMA Locks In New Flood Risks: 90 Days to Challenge!
Published Date: 10/14/2026
Notice
Summary
Hey, communities! FEMA just updated flood maps with new flood levels and zones based on fresh science. If you live or own property in these areas, your flood insurance might change soon. You’ve got 90 days after local notices to ask for a review, so keep an eye out and act fast!
Analyzed Economic Effects
4 provisions identified: 2 benefits, 0 costs, 2 mixed.
Flood maps updated for listed communities
FEMA finalized updates to Flood Insurance Rate Maps (FIRMs) and, where applicable, Flood Insurance Study (FIS) reports for the communities listed in the table, with finalization dates shown in the table (examples include Oct. 13, 2026 through Nov. 30, 2026). The notice states the current effective community number in the table must be used for all new flood insurance policies and renewals.
Updated maps drive NFIP floodplain rules
FEMA states the revised FIRM and FIS reports are the basis of the floodplain management measures communities must adopt or show they have in effect to qualify or remain qualified for participation in the National Flood Insurance Program (NFIP). The notice also says the flood hazard determinations and the criteria in 44 CFR 60.3 are the minimum required and communities may keep stricter ordinances.
90 days to request map reconsideration
From the date of the second publication of notification in a local newspaper, any person has 90 days to request that FEMA reconsider the flood hazard changes through the community. Requests for reconsideration must be submitted to the Chief Executive Officer of the community as listed in the table.
Where to inspect revised flood data
Revised flood hazard information for each listed community is available online at the FEMA Map Service Center (https://msc.fema.gov) and at the local community map repository addresses shown in the table; FEMA also directs readers to the FEMA Mapping and Insurance eXchange (FMIX) at https://www.floodmaps.fema.gov/fhm/fmx_main.html. The notice lists the specific online portal URLs and repository addresses for inspection.
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Key Dates
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Related Federal Register Documents
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Previous / Next Documents
Previous: 2026-20908, Changes in Flood Hazard Determinations
FEMA just updated flood risk maps for several communities, changing flood zones and water levels. If you live or own property in these areas, your flood insurance and building rules might change soon. These updates are final, so check your local map and get ready to act if needed to stay protected and insured.
Next: 2026-20910, Proposed Flood Hazard Determinations
FEMA is updating flood risk maps for certain communities, which could change flood zones and base flood levels. If you live or own property in these areas, these changes might affect your flood insurance and building rules. You’ve got until January 12, 2027, to check out the new maps and share your thoughts before they become official.