Flood Maps Finalized, Impacting Insurance in Areas
Published Date: 10/14/2026
Notice
Summary
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.
Analyzed Economic Effects
3 provisions identified: 2 benefits, 1 costs, 0 mixed.
Communities must adopt floodplain measures to stay in NFIP
The FIRM and FIS report are the basis of floodplain management measures that a community is required either to adopt or to show evidence of having an effect in order to qualify or remain qualified for participation in FEMA's National Flood Insurance Program (NFIP). Communities listed in this notice must take those actions tied to the new maps to maintain NFIP qualification.
New flood maps take effect Feb 19, 2027
Starting February 19, 2027, new final flood hazard information takes effect for the listed communities. The changes may include additions or modifications of Base Flood Elevations (BFEs), base flood depths, Special Flood Hazard Area (SFHA) boundaries or zone designations, or regulatory floodways. The final Flood Insurance Rate Maps (FIRMs) and Flood Insurance Study (FIS) reports will be available at each community map repository and online at the FEMA Map Service Center (https://msc.fema.gov) by that date.
Specific communities listed with final determinations
Final flood hazard determinations were made for the communities listed in the notice, including Trinity County, California (Docket No. FEMA-B-2482); Miami-Dade County, Florida and incorporated areas (Docket No. FEMA-B-2166); Genesee County, New York (All Jurisdictions) (Docket No. FEMA-B-2539); and Cass County, Michigan (All Jurisdictions) (Docket No. FEMA-B-2502). Residents and property lessees/owners in these named jurisdictions are encouraged to review the new or revised FIRM and FIS reports at the local repository addresses provided or online at https://msc.fema.gov.
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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.
2026-20916, Final Flood Hazard Determinations
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Previous: 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!
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