FEMA's Latest Flood Map Shuffle: Insurance Bills Beware!
Published Date: 10/14/2026
Notice
Summary
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.
Analyzed Economic Effects
4 provisions identified: 2 benefits, 0 costs, 2 mixed.
Proposed changes to flood maps
FEMA proposes additions or modifications to Base Flood Elevations (BFE), base flood depth, Special Flood Hazard Area (SFHA) boundaries or zone designations, and regulatory floodways on Flood Insurance Rate Maps (FIRMs) and, where applicable, the supporting Flood Insurance Study (FIS) reports for the listed communities. Two projects listed include Windham County, Vermont (Project 22-01-0014S; Preliminary Date: November 13, 2023) and Peoria County, Illinois (Project 12-05-1529S; Preliminary Date: June 26, 2024).
Community NFIP qualification requirement
The Preliminary FIRM and FIS report are the basis for floodplain management measures that each 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). These determinations and the 44 CFR 60.3 criteria represent the minimum floodplain management requirements FEMA is proposing.
Public comment period and map access
Preliminary FIRMs and FIS reports for the listed communities are available online at https://hazards.fema.gov/femaportal/prelimdownload and at local Community Map Repositories; the current effective FIRMs are available at https://msc.fema.gov for comparison. Comments on Docket No. FEMA-B-2622 must be submitted on or before January 12, 2027.
Scientific Resolution Panel available for appeals
Communities may use a Scientific Resolution Panel (SRP) to resolve conflicting scientific and technical data after FEMA and the local community have engaged in a collaborative consultation process for at least 60 days without a mutually acceptable resolution. Additional SRP information is available at https://www.floodsrp.org/pdfs/srp_overview.pdf.
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Key Dates
Department and Agencies
Related Federal Register Documents
2026-20915, Final Flood Hazard Determinations
Starting January 22, 2027, new flood risk maps will take effect for certain communities, showing updated flood zones and water levels. Homeowners, businesses, and local governments in these areas will need to follow new rules to stay in the National Flood Insurance Program, which could affect insurance costs and building plans. These changes help keep everyone safer from floods and make sure insurance matches the real risks.
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.
2026-20917, Final Flood Hazard Determinations
Starting February 19, 2027, new flood risk maps will take effect for certain communities, showing updated flood zones and water levels. Homeowners, renters, and local officials in these areas should check the changes because they can affect flood insurance costs and building rules. These updates help keep everyone safer and ensure communities stay in the National Flood Insurance Program.
2026-20916, Final Flood Hazard Determinations
Starting February 5, 2027, several communities will see updated flood risk maps that show new or changed flood zones and water levels. These changes affect homeowners, renters, and local governments by guiding flood insurance rules and safety plans. If you live in these areas, your flood insurance and building rules might change, so get ready to check the new maps online or at local offices!
2026-20926, Proposed Flood Hazard Determinations
FEMA is updating flood risk maps for certain communities, which could change flood zones and water levels used for insurance and safety rules. If you live in these areas, your flood insurance and building rules might change, so check the new maps and share your thoughts by January 12, 2027. These updates help keep communities safe and insurance fair, so don’t miss the chance to weigh in!
2026-20914, 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 local rules. You have until January 12, 2027, to review and comment on these updates before they become final.
Previous / Next Documents
Previous: 2026-20909, Changes in Flood Hazard Determinations
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!
Next: 2026-20911, 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 have until January 12, 2027, to review and comment on these updates before they become official.