Final Flood Hazard Determinations
FEMA published final flood hazard determinations updating Base Flood Elevations, SFHA boundaries, and floodways on Flood Insurance Rate Maps. These changes affect flood insurance requirements and may trigger CE obligations for insurance producers selling flood insurance.
Aforeworn detected this change in the Insurance Producer Continuing Education space on July 6, 2026 and published this briefing so affected operators are forewarned rather than caught off guard. It is rated Medium urgency. Insurance producers selling flood insurance, especially those in affected areas or with clients in SFHAs. should confirm how it applies to their specific situation before acting. There is a time constraint attached: Effective dates vary by community; check the specific determination for your area. Generally, changes take effect 6 months after publication.. Acting after that point can mean penalties, a lapsed licence, or lost eligibility — exactly the kind of surprise Aforeworn exists to prevent. Aforeworn monitors Insurance Producer Continuing Education continuously and turns every detected change into a plain-English briefing like this one, so you always know first. Forewarned is forearmed.
What changed
Final flood hazard determinations modify BFEs, base flood depths, SFHA boundaries, zone designations, or regulatory floodways.
Who it affects
Insurance producers selling flood insurance, especially those in affected areas or with clients in SFHAs.
What you must do
Review updated FIRMs for areas where you write flood insurance; ensure your CE credits include flood insurance training if required by your state; update client communications and compliance procedures.
Deadline
Effective dates vary by community; check the specific determination for your area. Generally, changes take effect 6 months after publication.
Source: https://www.federalregister.gov/documents/2026/06/11/2026-11673/final-flood-hazard-determinations
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