How often do Florida flood maps change?
FEMA's Federal Register notices list 144 map revisions (LOMRs) in Florida with dates from November 2025 to October 2026. That is the whole state. What about your street? Check my address and see the FEMA zone for that exact spot today.
So what does a LOMR actually do? See what it is.
What is a LOMR?
A LOMR changes the flood map itself. It is not a letter about one house. FEMA's rules call it a change to an effective Flood Insurance Rate Map. It can change flood zones, the edges of the floodplain and floodway, and flood heights.
Most LOMRs follow work that changes how water moves, like a new channel, culvert, bridge or levee. Others follow a new flood study.
FEMA does not reprint the whole map. It attaches the changed part to the map panel, and the change shows up in FEMA's online flood map data.
A LOMR is not the same as a LOMA. A LOMA is a letter for one home on naturally high ground. A LOMR-F is for a lot raised with fill dirt. See how a LOMA works.
Who can ask FEMA for a LOMR? See who files.
Who asks for a LOMR?
The community does. Every request to change the map goes to FEMA in writing from the community's chief executive, such as the mayor, city manager or county administrator, or a person that official names.
A developer, engineer or owner can ask for a LOMR, but the request still goes through the community. If the community will not send it, FEMA will look at it only with written proof that the community was asked.
Communities also have a duty. When they learn of changes that affect flood risk, they must send FEMA the data within six months.
A LOMR is only for work that is done. A plan on paper gets a different letter, a Conditional Letter of Map Revision (CLOMR).
Citrus County's flood zone page puts it this way: a Letter of Map Revision is "Utilized to remove multiple buildings, structures, and or properties from the floodplain." Citrus County flood insurance
How long does a LOMR take? See the clock.
How long does a LOMR take, and what does it cost?
FEMA's clock for a LOMR:
- Within 60 days, FEMA tells the community and the person who applied whether the request is complete.
- Within 90 days after it has everything, including the fee, FEMA sends its answer.
- FEMA can take 90 more days if it needs them to review the data.
The person or group that applies pays the cost: FEMA's fee plus $35 for the map panels. The community does not pay when someone else applies. There is no fee when the change fixes a mapping error or reflects natural changes, and for a few federal and state studies. FEMA does not refund the fee if the request is denied.
When does the new map count? See the dates.
When does a LOMR take effect?
Before a LOMR is final, FEMA puts a notice in the Federal Register and in a local newspaper. Anyone has 90 days from the second newspaper notice to ask FEMA, through the community, to take another look. The flood information can change during those 90 days.
The notice lists the date the change takes effect. On that date the revised map is the map. Lenders and insurers use it from then on.
What should you do if a change is coming near you? See your steps.
Is a map change coming near you?
- Look at it. FEMA's notice lists where to see the revised flood information: online at FEMA's Map Service Center and at the community's map office. FEMA encourages owners to review it.
- Speak up in time. If you think the change is wrong, ask your community before the 90 days run out.
- Keep your policy. A coming change does not end a lender's requirement. Keep coverage in force until your lender tells you in writing.
- Ask about local rules. Your county or city can set stricter floodplain rules than FEMA's.
What if the change puts your home in the high-risk zone? See what happens next.
What if a LOMR moves your home in or out of the high-risk zone?
The flood zone decides whether a lender must require flood insurance.
Moved in. If your home is now in a high-risk zone (a zone starting with A or V) and your mortgage is from a regulated or federally backed lender, the lender will require flood insurance. After its notice you have 45 days to buy a policy. If you do not, the lender must buy one for you and bill you. See how force-placed insurance works.
How soon coverage can start. An NFIP policy usually has a 30-day wait. There is no wait when you buy the policy as part of getting, refinancing, increasing, extending or renewing a loan on the home. And when a new or revised flood map newly puts your home in a high-risk zone, a policy bought within 13 months of the map date can start after a one-day wait. See how the waiting period works.
A home newly mapped into a high-risk zone may also qualify for FEMA's Newly Mapped discount on an NFIP policy. A LOMR is one of the papers that can show the old and new zone. Ask your agent.
Moved out. Send a copy of the letter to your lender. Outside the high-risk zone, federal law no longer makes the lender require flood insurance. The lender decides, and your loan contract can still require it. Moving out of the zone does not mean the house cannot flood.
Will a LOMR change your price? Read this first.
Will a LOMR change your flood insurance price?
Not by itself. Same flood zone, very different prices. Under Risk Rating 2.0, the zone letter does not set the NFIP price. The price comes from the home and its spot: how high the first floor sits, what it would cost to rebuild, how far it is from the water, and how often that spot floods. Your deductible matters too.
What you can do:
- Know your first floor height. An elevation certificate records it. See what an elevation certificate can do.
- Compare an NFIP quote with a private quote. A licensed, independent insurance agent can show you both.
Not sure what zone your home is in today? Check my address and see the FEMA zone for that exact spot.
Which Florida counties had map revisions? See the counties.
Florida counties with map revisions
FEMA's Federal Register notices list these map revisions (LOMRs) with dates from November 2025 to October 2026, for counties with a ShoutFlood flood zone map page:
- Pasco County: 14 map revisions. Pasco County flood zone map
- Monroe County: 10 map revisions. Monroe County flood zone map
- Palm Beach County: 10 map revisions. Palm Beach County flood zone map
- Manatee County: 9 map revisions. Manatee County flood zone map
- Lee County: 8 map revisions. Lee County flood zone map
- Duval County: 6 map revisions. Duval County flood zone map
- Bay County: 5 map revisions. Bay County flood zone map
- Sarasota County: 5 map revisions. Sarasota County flood zone map
- St. Johns County: 4 map revisions. St. Johns County flood zone map
- Charlotte County: 3 map revisions. Charlotte County flood zone map
- Hillsborough County: 3 map revisions. Hillsborough County flood zone map
- Collier County: 2 map revisions. Collier County flood zone map
- Volusia County: 2 map revisions. Volusia County flood zone map
- Miami-Dade County: 1 map revision. Miami-Dade County flood zone map
- Pinellas County: 1 map revision. Pinellas County flood zone map
The notices do not say which way each change moved the lines. To see a change for your street, look up your address on FEMA's Map Service Center or ask your county's floodplain office.
Questions Florida homeowners ask about a LOMR
What is a LOMR?
A Letter of Map Revision is FEMA's official change to part of a flood map. It can change flood zones, flood heights and floodways, and it can move homes into or out of a high-risk zone.
What is the difference between a LOMR and a LOMA?
A LOMR changes the map for an area, and the community asks for it. A LOMA is a letter for one home on naturally high ground, and the owner can ask for it.
Can I file a LOMR myself?
Not on your own. Every LOMR request goes to FEMA through the community's chief executive or a person that official names. An owner or developer can ask, but through the community.
How long does a LOMR take?
FEMA has 60 days to say whether the request is complete and 90 days after that to answer. It can take 90 more days if it needs them.
When does a LOMR take effect?
On the date listed in FEMA's notice. Anyone has 90 days from the second newspaper notice to ask, through the community, for FEMA to take another look.
Does a LOMR change my flood insurance price?
Not by itself. Under Risk Rating 2.0 the zone does not set the NFIP price. The home and its spot do.
What if a LOMR puts my home in a flood zone?
If you have a mortgage from a regulated or federally backed lender, the lender will require flood insurance and give you 45 days after its notice to buy it. If a new or revised map newly puts the home in a high-risk zone, a policy bought within 13 months of the map date can start after a one-day wait.
Sources and dates
- 44 CFR Part 65, Identification and mapping of special hazard areas (65.3 six-month duty to report; 65.4(b) requests through the community's chief executive; 65.6(a)(3) no revisions for proposed projects; 65.8 conditional letters; 65.9 FEMA's answer and the extra 90 days). eCFR, read November 13, 2026. https://www.ecfr.gov/current/title-44/chapter-I/subchapter-B/part-65
- 44 CFR Part 67, Appeals from proposed flood elevation determinations (67.5, 90 days from the second newspaper notice). eCFR, read November 13, 2026. https://www.ecfr.gov/current/title-44/chapter-I/subchapter-B/part-67
- 44 CFR Part 72, Procedures and fees for processing map changes (72.2 what a LOMR is; 72.3(e) the $35 map fee; 72.4(e) who pays; 72.4(h) 60 and 90 days; 72.5 fee exemptions; 72.6(b) no refund on denial). eCFR, read November 13, 2026. https://www.ecfr.gov/current/title-44/chapter-I/subchapter-B/part-72
- 44 CFR 61.11, effective date and time of coverage (one-day wait after a map revision; loan exception). eCFR, read November 11, 2026. https://www.ecfr.gov/current/title-44/chapter-I/subchapter-B/part-61/section-61.11
- FEMA, NFIP Flood Insurance Manual, October 2025, Section 2 (waiting periods) and Appendix D (Letter of Map Revision). Read November 13, 2026. https://agents.floodsmart.gov/sites/default/files/media/document/2025-09/fema_nfip-FloodInsuranceManual-October2025-508c.pdf
- FEMA, Changes in Flood Hazard Determinations, Federal Register, September 10, 2026 (FR Doc 2026-18405). Read November 13, 2026. https://www.govinfo.gov/content/pkg/FR-2026-09-10/html/2026-18405.htm
- FEMA, Changes in Flood Hazard Determinations, Federal Register, October 14, 2026 (FR Doc 2026-20908). Read November 13, 2026. https://www.govinfo.gov/content/pkg/FR-2026-10-14/html/2026-20908.htm
- Federal Register search for FEMA LOMR notices with Florida rows, published November 13, 2025 to November 13, 2026 (33 notices). Read November 13, 2026. https://www.federalregister.gov/api/v1/documents.json
- 12 CFR 22.7, force placement of flood insurance (45 days after notice). eCFR, read October 26, 2026. https://www.ecfr.gov/current/title-12/chapter-I/part-22/section-22.7
- FEMA, Newly Mapped discount (a LOMR is accepted to show the old and new zone). Read November 12, 2026. https://agents.floodsmart.gov/articles/newly-mapped-discount
- FEMA, Map Service Center. https://msc.fema.gov/portal/advanceSearch
- Citrus County, Flood Zone Changes. Read November 12, 2026. https://www.citruscounty.gov/departments/growth_management/building/floodplain_management/flood_zone_changes.php
Facts last checked November 13, 2026. Every figure comes from the federal or state source listed above.