More FEMA Flood Zones Proposed: Property Owners, Take Note!
Published Date: 10/14/2026
Notice
Summary
FEMA is updating flood risk maps for several communities, which could change flood zones and rules for flood insurance. If you live or own property in these areas, these changes might affect your insurance costs and building rules. You have until January 12, 2027, to review the new maps and share your thoughts before they become final.
Analyzed Economic Effects
4 provisions identified: 2 benefits, 0 costs, 2 mixed.
Flood map changes may alter insurance & rules
FEMA proposes changes 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 Flood Insurance Study (FIS) reports. If you live in or own property in the listed communities (for example, Missoula County, MT; Project 22-08-0034S; Preliminary dates: August 28, 2025 and May 29, 2026), these map changes might affect your flood insurance costs and the building or floodplain management rules that apply to your property.
Communities must adopt floodplain measures to stay in NFIP
The Preliminary FIRM and FIS reports are the basis of the floodplain management measures that a community is required to adopt or show are in effect under 44 CFR 60.3 in order to qualify or remain qualified for participation in the National Flood Insurance Program (NFIP). Communities may also enact stricter requirements at any time.
You can review maps and submit comments by Jan 12, 2027
Preliminary FIRMs and FIS reports are available online at https://hazards.fema.gov/femaportal/prelimdownload and the FEMA Map Service Center at https://msc.fema.gov; local Community Map Repository locations (for example, Missoula City Hall, 435 Ryman Street, Missoula, MT 59802; Missoula County Planning, 131 East Main Street, Missoula, MT 59802) also hold the materials. You or your community may submit comments identified by Docket No. FEMA-B-2636 to FEMA; comments must be submitted on or before January 12, 2027.
Appeals process and Scientific Resolution Panel (SRP) option
Any request that meets the data requirements of 44 CFR 67.6(b) is treated as an appeal of the revised flood hazard information. If FEMA and a community engage in a collaborative consultation for at least 60 days without a mutually acceptable resolution, the community may request use of a Scientific Resolution Panel (SRP) to review conflicting scientific or technical data and provide recommendations.
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Key Dates
Department and Agencies
Related Federal Register Documents
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Previous / Next Documents
Previous: 2026-20912, Proposed Flood Hazard Determinations
FEMA is updating flood risk maps for certain communities, which could change flood zones and rules for flood insurance. If you live or own property in these areas, these changes might affect your insurance costs and building rules. You have until January 12, 2027, to review and comment on these updates before they become official.
Next: 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.