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Flood Map Change Preparedness

Stay ahead of FEMA flood map updates

Shifting flood maps trigger sudden compliance gaps and operational spikes. Changing flood zones force teams into reactive cycles . Without early visibility, these changes stall your closing timelines and complicate loan servicing.

Take control

Make map changes part of your proactive workflow

The Flood Map Change Preparedness Bundle eliminates reactive stress. By combining Flood Map Intelligence™, an interactive mapping tool, and Future Flood, we help you identify impacted loans before changes take effect. Gain the visibility needed to maintain compliance and deliver a better customer experience.

10% each year

FEMA updates as many as 10 percent of flood maps in some years. Focus your resources on where map changes are concentrated within your footprint.

90 days

Stay well ahead of map changes by receiving advanced notice as much as 90 days ahead of the map effective date.

In/Out %

Use simple pie charts in Flood Map Intelligence to know direction of map changes affecting your footprint at-a-glance.

Understanding the shift

Why FEMA maps change over time

Flood hazards evolve due to development, erosion, and new engineering projects. FEMA updates Flood Insurance Rate Maps (FIRMs) periodically to reflect these changes. These updates define the Special Flood Hazard Areas (SFHAs) that drive insurance requirements, mitigation response, and emergency preparedness.
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Development and erosion

As communities grow and landscapes change, previous flood data becomes outdated. New construction and natural erosion alter how water flows, requiring FEMA to update maps to ensure accurate risk assessment for every property.

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Data-driven updates  

FEMA collaborates with state, community, and private industry partners to collect updated engineering data. Updated flood maps increase confidence by ensuring mortgage industry receives current information for flood insurance decisions.

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Ecosystem impact  

Map changes affect floodplain management, development, mitigation, and lender requirements. Current maps drive resilience within a community through smarter development and more flood insurance protection.

engineering

Mitigation & engineering projects

Flood risk can shift due to mitigation and engineering efforts, prompting FEMA to update Flood Insurance Rate Maps (FIRMs) with current conditions.

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Products

The Flood Map Change Preparedness Bundle: data, monitoring, and expert support

Flood Determinations

Holistic insights for mortgage compliance

Portfolio audit

1:1 loan match to confirm accuracy before the effective date.

Future flood tracking

Twice-monthly reporting of properties scheduled for SFHA changes.

Portfolio Support

Dedicated portfolio analysts share best practices to help servicing teams.

Compliance guidance and training

Guidance and insights into customer disclosures and compliance training for teams.

Recheck support

Help your teams manage borrower questions and rechecks efficiently.

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