Summary of Final Rule
Notices of Suspended Eligibility
The National Flood Insurance Program enables property owners, business and renters to purchase flood insurance. In return, communities agree to adopt, implement, and enforce local floodplain management regulations. These regulations contribute to protecting lives and reducing the risk of from future flooding to new construction and substantial improvements.
Effective Dec. 2, 2020, a final rule modernized regulations that previously required FEMA to publish community eligibility in the Federal Register. The rule, allows FEMA to publish this information on the internet or by another comparable method.
If you want to determine whether a particular community was suspended on the suspension date or for further information, please email:
FEMA Floodplain Management Division
Federal Insurance and Mitigation Administration
Federal Emergency Management Agency
Summary of the Final Rule
Revisions to Publication Requirements for Community Eligibility Status Information Under the National Flood Insurance Program
This final rule modernizes regulations regarding publication requirements of community eligibility status information under the National Flood Insurance Program (NFIP). FEMA is replacing outdated regulations that require publication of community loss of eligibility notices in the Federal Register with a requirement that FEMA publish this information on the internet or by another comparable method.
FEMA is also replacing its requirement that the agency maintain a list of communities eligible for flood insurance in the Code of Federal Regulations with a requirement that FEMA publish this list on the internet or by another comparable method.
The Community Status Book lists communities within each state or territory that have new or revised Flood Insurance Rate Maps (FIRMs). The FIRM must be adopted by the listed date. View the current effective dates for Flood Insurance Rate Map.
Notices of Suspended Community Eligibility
From early-December 2020 to early-June 2021, FEMA published eligible community status suspension notices in the Federal Register and on FEMA’s website. The states listed have communities with new or revised Flood Insurance Rate Maps which must be adopted by the listed effective date. View a list of these notices.
The Community Status Book lists each participating community’s effective Flood Insurance Rate Map or suspension information.
Iowa. Minnesota, Ohio and Texas
Additional Information about Eligible Suspension Notifications
When FEMA updates flood risk products, including Flood Insurance Rate Maps (FIRMs), NFIP-participating communities affected by the updates are required to also update their regulations to incorporate adoption of the new products for regulatory purposes.
Upon finalizing new flood risk products for a community, FEMA notifies the community’s Chief Executive Officer that the community will be suspended unless the regulations are updated by the FIRM effective date. FEMA sends a notice directly to the community at 180 days, 90 days and 30 days before the effective date reminding them of the requirement to adopt the updated FIRMs.
FEMA also posts a notice of potential suspension on FEMA’s website approximately 1-2 weeks prior to the effective date indicating which communities have yet to update their regulations and will therefore be suspended if they do not update and adopt the regulations by the effective date.
Information about the Effective Suspension Date
If a new or revised Flood Insurance Rate Map is not adopted by the effective date, the community will be suspended and flood insurance will no longer be available in the community.
FEMA recognizes communities may adopt and submit the required documentation after this list is published but prior to the actual effective suspension date. These communities will not be suspended and will continue to be eligible for the sale of policies through the National Flood Insurance Program.
A community’s current participation status in the National Flood Insurance Program can be verified at any time on the Community Status Book.
Community Suspension from the National Flood Insurance Program
When a community is suspended for non-compliance of adopting adequate floodplain management regulations the following occurs:
- No direct federal financial assistance (except assistance pursuant to the Robert T. Stafford Disaster Relief and Emergency Assistance Act not in connection with a flood) may be provided for construction or acquisition of buildings in identified Special Flood Hazard Areas. This is specific for communities not participating in the National Flood Insurance Program and identified for more than a year on FEMA’s initial Flood Insurance Rate Map for the community as having flood-prone areas (section 202(a) of the Flood Disaster Protection Act of 1973 and the United States Code Title 41, Section 4106(a), as amended).
- This prohibition against certain types of federal assistance becomes effective for the communities listed on the date shown in the last column.
- The FEMA Administrator finds that notice and public comment procedures under United States Code Title 5, Section 553(b), are impracticable and unnecessary because communities listed as being eligible for suspension have been adequately notified.