Skip Navigation

Flooding & Flood Risks

Undergoing a Map Change

Undergoing a Map Change

Flood risk can, and does, change over time. Flood risks change for many reasons: new development, changes in levee classification, and environmental changes, to name a few. As a result FEMA is updating flood hazard maps across the country. These new flood maps, also, known as Digital Flood Insurance Rate Maps (DFIRMs), show flood risk at a property-by-property level.

When new maps are issued, your risk may have changed as well along with your flood insurance requirements. If your property is mapped out of a high-risk area, your flood insurance costs will likely decrease. If you've been mapped into a high-risk area, you will be required to purchase flood insurance if your mortgage is through a federally regulated or insured lender. But you can save money with the PRP Eligibility Extension and through a process known as "grandfathering" provided by the NFIP. If your property was newly mapped into a high-risk flood zone after October 1, 2008, you may qualify for a PRP flood insurance policy.

If you live near a levee, your flood risk may be higher than you thought. Hundreds of levees across the country no longer meet federal standards for protection, so when new maps are issued, these areas will be shown as high risk.

Know your area. Learn your flood risk and see when new flood maps will be available for your community.

Learn more about map changes >>

Learn your risk, and find an agent, by taking Your Risk Profile.

PRIMARY RESIDENCE DISCLAIMER


For flood insurance rating purposes, a primary residence is a building that will be lived in by the insured or the insured's spouse for at least 80 percent of the 365 days following the policy effective date. If the building will be lived in for less than 80 percent of the policy year, it is considered to be a non-primary residence.

How Can I get Covered?

  • Rate your risk
  • Estimate your premiums
  • Find an agent
 

Contact Us | Site Map | Help | NFIP
Change font size
Last Updated: Sunday, 13-Apr-2014, 4:35 PM (EDT)

500 C Street SW, Washington, D.C. 20472
Disaster Assistance: (800) 621-FEMA, TTY (800) 462-7585
U.S. Department of Homeland Security
FEMA Home | Contact FEMA | Privacy Policy | Important Notices | FOIA | USA.gov | DHS | Agent Site | Accessibility