Updated: Feb 13
When your community’s flood map is updated to reflect the current risks where you live, requirements for flood insurance coverage and the cost of your policy can change.
If your community is in the process of updating its flood maps, it’s important to know your flood risk so you can take steps to protect your home or business. Find out if your community has a flood map update underway.
Why do flood maps change?
Flood hazards change over time. Updated flood maps provide a more accurate picture of a property’s flood risk.
How water flows and drains can change due to new construction and community development or natural forces such as changing weather patterns or terrain changes. Also, communities may build levees and dams, decreasing flood risk over time.
To better reflect your current flood risk, the National Flood Insurance Program (NFIP) and the Federal Emergency Management Agency (FEMA) use the latest technology and data to update flood maps nationwide.
Can I change my flood zone designation?
If you think your property has been incorrectly mapped in a high-risk area, you may submit a request to FEMA for a Letter of Map Change (LOMC).
A LOMC reflects an official revision/amendment to an effective FIRM. If the LOMC request is granted, you may be eligible for a lower flood insurance premium or the option to not purchase flood insurance.
Applicants can use the online LOMC application to easily request a Letter of Map Amendment (LOMA) or Letter of Map Revision (LOMR).