Letter of Map Revision 25-04-3371P for the City of Chattanooga and the City of East Ridge is on FEMA’s July 9, 2026 list. The Federal Register of July 9, 2026 (Vol. 91, No. 130, pages 42543–42547, FR Doc. 2026-13900) lists the date of modification as August 31, 2026. Docket ID FEMA-2026-0002, Internal Agency Docket No. FEMA-B-2617. The Chattanooga community number is 470072. The East Ridge community number is 475424.
The notice says these flood hazard determinations “will be finalized on the dates listed in the table” and that the specific flood hazard determinations are not described for each community. It does not name streets, creeks, subdivisions, or parcels. Look the address up on the FEMA Map Service Center, then confirm the panel at the listed map repository: Development Resource Center, Public Works—Land Development Office, 1250 Market Street, Suite 1000, Chattanooga, TN 37402, or City Hall, 1517 Tombras Avenue, East Ridge, TN 37412. This article is informational only. It does not promise coverage, price, eligibility, or that any particular house changed zone. A standard homeowners policy does not cover flood.
This case is not the live Jefferson County LOMR 26-04-0358P (June 12, 2026, community 470097). It is not Franklin/Williamson 25-04-4708P. It is not Mt. Juliet 25-04-4821P. It is not Murfreesboro 25-04-2322P, not Arlington 25-04-3514P, and not Pigeon Forge/Sevierville 25-04-1916P. Different counties. Different case numbers. Different community numbers.
What FEMA published for Chattanooga and East Ridge
The July 9 notice is FEMA’s “Changes in Flood Hazard Determinations” list. It lists communities where the addition or modification of Base Flood Elevations, base flood depths, Special Flood Hazard Area boundaries or zone designations, or the regulatory floodway, as shown on the Flood Insurance Rate Maps, is appropriate because of new scientific or technical data. The FIRM, and where applicable portions of the Flood Insurance Study report, have been revised through issuance of a Letter of Map Revision. The Tennessee: Hamilton rows share one case number and two community numbers.
| Item | City of Chattanooga | City of East Ridge |
|---|---|---|
| Location and case No. | City of Chattanooga (25-04-3371P) | City of East Ridge (25-04-3371P) |
| Chief executive officer | The Honorable Tim Kelly, Mayor, City of Chattanooga, 101 East 11th Street, Chattanooga, TN 37402 | The Honorable Brian Williams, Mayor, City of East Ridge, 1517 Tombras Avenue, East Ridge, TN 37412 |
| Community map repository | Development Resource Center, Public Works—Land Development Office, 1250 Market Street, Suite 1000, Chattanooga, TN 37402 | City Hall, 1517 Tombras Avenue, East Ridge, TN 37412 |
| Date of modification | August 31, 2026 | August 31, 2026 |
| Community No. | 470072 | 475424 |
| Federal Register | July 9, 2026; Vol. 91, No. 130; pages 42543–42547; FR Doc. 2026-13900 | |
| Docket | FEMA-2026-0002 / FEMA-B-2617 | |
Source: Federal Register Vol. 91, No. 130 (July 9, 2026), FR Doc. 2026-13900, Tennessee: Hamilton rows. Each LOMR is available for inspection at the community map repository and online through the FEMA Map Service Center at msc.fema.gov. The current effective community number must be used for all new policies and renewals. Pick 470072 or 475424 from the city-limit line, not from a mailing address.
The modifications follow section 201 of the Flood Disaster Protection Act of 1973, 42 U.S.C. 4105, the National Flood Insurance Act of 1968, 42 U.S.C. 4001 et seq., and 44 CFR part 65. The flood hazard determinations are in accordance with 44 CFR 65.4. From the date of the second publication of notification of these changes in a newspaper of local circulation, any person has 90 days in which to request through the community that the Assistant Administrator, Federal Insurance Directorate, Resilience reconsider the changes. The flood hazard determination information may be changed during the 90-day period. Submit comments and/or appeals to the chief executive officer of the community as listed in the table. Interested lessees and owners of real property are encouraged to review the information at the address cited for the community or online through the Map Service Center.
This is not Jefferson 26-04-0358P, and it is not a street list
The live Jefferson County post covers case 26-04-0358P for unincorporated Jefferson County, June 12, 2026, community 470097. That repository is in Dandridge. This piece is Hamilton County, case 25-04-3371P, August 31, 2026, communities 470072 and 475424. The July 9 table does not name a river, a creek, or any subdivision. We are not going to invent them. Look the parcel up.
It is also not Maury 25-04-6346P, not Williamson 25-04-1944P, not Franklin 25-04-4708P, not Farragut 25-04-2233P, not Mt. Juliet 25-04-4821P, not Dyersburg 24-04-5388P, and not the Sevier countywide FIRMs effective November 13, 2026. If a search result says “August” and “Tennessee LOMR,” check the case number 25-04-3371P and the community number before you print a panel.
Our East Ridge homeowners guide already flags flood as a separate policy question for low-lying parcels. Our Chattanooga homeowners guide is a city insurance conversation, not this case number. Neither page replaces a Map Service Center printout dated against August 31, 2026.
Does a homeowners policy cover flood on a Chattanooga or East Ridge house?
No. A standard homeowners policy does not cover flood. Our Tennessee flood guide states that flooding is excluded from a standard HO-3. Rising water that inundates a structure from the ground is a flood question. It does not become a homeowners claim because the same storm also blew shingles off.
Flood coverage is written through the NFIP or a private flood market. Our Sept. 30 NFIP post and the Jefferson County LOMR post both record the typical NFIP new-policy waiting period as 30 days, with limited exceptions. None of those exceptions is a reason to wait until the next heavy rain. Sewer, drain, or sump backup is a third bucket, usually an endorsement, not flood insurance and not the base homeowners form.
If a structure is in an SFHA with a federally backed loan, is flood insurance required?
As a general federal rule, yes — that is a lender requirement, not a statement about a specific house. FEMA’s July 9 notice says the current effective community number is shown and must be used for all new policies and renewals. Whether LOMR 25-04-3371P will move a given parcel into or out of an SFHA is a map question for community 470072 or 475424, not a sentence we can write from the Federal Register table.
If the map moves a structure out of the SFHA, the mandatory-purchase rule can fall away. The water does not read maps. If the map moves a structure in, ask the lender, in writing, which map date and community number it is using. Do not treat a listing screenshot as the determination. This is not a coverage or eligibility promise. See our Jefferson County LOMR post for the same lookup method in a different community.
How does a Chattanooga or East Ridge owner or buyer look up the revised panel?
Start on the Map Service Center. FEMA’s notice says revised flood hazard information for each community is available online through msc.fema.gov and at the community map repository. Search the parcel or community number 470072 (Chattanooga) or 475424 (East Ridge). Note the panel, the printed zone, and whether the product date is on or after August 31, 2026.
Then go to the matching repository. City of Chattanooga: Development Resource Center, Public Works—Land Development Office, 1250 Market Street, Suite 1000, Chattanooga, TN 37402. City of East Ridge: City Hall, 1517 Tombras Avenue, East Ridge, TN 37412. The Federal Register named those addresses as the map repositories, not a street list. Bring the parcel address and any Map Service Center printout. If the structure sits in East Ridge, community number 470072 is the wrong ID. If it sits in Chattanooga, 475424 is the wrong ID. A Chattanooga mailing address is not a community number.
What should a Chattanooga or East Ridge owner or buyer do now?
- Look the parcel up on the FEMA Map Service Center under both map dates. Use community number 470072 or 475424. Compare the panel in effect before August 31, 2026, with the revised panel at msc.fema.gov/portal/advanceSearch.
- Confirm the panel at the matching repository. Development Resource Center, 1250 Market Street, Suite 1000, or East Ridge City Hall, 1517 Tombras Avenue. The Federal Register did not name streets. We are not going to invent them.
- Ask the lender, in writing, which map date and community number it is using. A dropped lender requirement is not the same as no flood risk, and a new requirement is not a statement we can make about a named house from the Federal Register table.
- Read the homeowners declarations page. Confirm that flood is excluded and whether you already carry a separate flood policy. Our statewide flood guide walks the NFIP versus private split without treating a zone letter as a policy.
- If you need a flood policy, start the application before the next storm. A quote is not a bound policy. Typical NFIP new-policy waiting periods are 30 days, with limited exceptions recorded in our Sept. 30 NFIP post.
Bring the Map Service Center printouts and the homeowners declarations page to a free policy review. Call All Seasons Insurance Group at 865-263-1400 or request a quote at asigtn.com/get-a-quote.
What is LOMR 25-04-3371P, and when is the listed modification date?
It is the FEMA Letter of Map Revision for the City of Chattanooga and the City of East Ridge in FR Doc. 2026-13900 (July 9, 2026). Listed date of modification: August 31, 2026. Community numbers 470072 (Chattanooga) and 475424 (East Ridge). Docket FEMA-2026-0002 / FEMA-B-2617. The notice does not list which buildings changed zone. It says the determinations will be finalized on the dates listed.
Is this the same map change as Jefferson 26-04-0358P?
No. Jefferson 26-04-0358P is unincorporated Jefferson County, June 12, 2026, community 470097. This piece is Hamilton County, case 25-04-3371P, August 31, 2026, communities 470072 and 475424.
Does a homeowners policy cover flood in Chattanooga or East Ridge?
No. Flood is typically excluded from a standard homeowners form. Flood insurance is a separate NFIP or private policy. Typical NFIP new-policy waiting periods are 30 days, with limited exceptions.
How do I look up a Chattanooga or East Ridge parcel on the FEMA Map Service Center?
Use msc.fema.gov/portal/advanceSearch, community number 470072 or 475424, and compare the pre-August 31 map with the revised panel. Confirm at 1250 Market Street, Suite 1000 (Chattanooga) or 1517 Tombras Avenue (East Ridge).
Seasons change. So should your coverage.
If you own or are buying in Chattanooga or East Ridge, do not stop at a zone letter from last year. Call 865-263-1400 or get a free policy review at asigtn.com/get-a-quote. Informational only — not a flood-zone determination, coverage opinion, eligibility decision, or legal advice.
