New Flood Risk Maps Effective for Key Communities Soon
Published Date: 10/14/2026
Notice
Summary
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.
Analyzed Economic Effects
3 provisions identified: 1 benefits, 1 costs, 1 mixed.
Final flood maps take effect Jan 22, 2027
On January 22, 2027, FEMA’s new flood hazard determinations become final for the communities listed in this notice: Franklin County, Alabama (and incorporated areas); Seneca County, New York (all jurisdictions); Branch County, Michigan (all jurisdictions); Clinton County, Indiana (and incorporated areas); Richland County, Wisconsin (and incorporated areas); and Trinity County, Texas (and incorporated areas). The final Flood Insurance Rate Maps (FIRMs) and, where applicable, the supporting Flood Insurance Study (FIS) reports will be available at the community map repository addresses listed in the notice and online at https://msc.fema.gov by that date.
Communities must adopt floodplain measures to stay in NFIP
The FIRM and FIS reports are the basis for floodplain management measures that a community is required either to adopt or to show evidence of having in effect in order to qualify or remain qualified for participation in FEMA’s National Flood Insurance Program (NFIP). These requirements apply to the communities listed in the notice and are tied to the final maps dated January 22, 2027.
Property owners encouraged to review new maps
Interested lessees and owners of real property are encouraged to review the new or revised FIRMs and FIS reports for their community at the listed community map repository addresses or online through the FEMA Map Service Center at https://msc.fema.gov. The maps and reports will be available by January 22, 2027.
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Key Dates
Department and Agencies
Related Federal Register Documents
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.
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!
2026-20913, Proposed Flood Hazard Determinations
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.
Previous / Next Documents
Previous: 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.
Next: 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!