Letter of Map Revision 25-04-3371P for the City of East Ridge in Hamilton County is listed with a modification date of August 31, 2026 in the Federal Register of July 9, 2026 (91 FR 42543–42547, FR Doc. 2026-13900). Docket ID FEMA-2026-0002, Internal Agency Docket No. FEMA-B-2617. The city community number is 475424.
That is a flood-map revision, not a condominium insurance plan. A zone letter does not replace the association master policy. It does not replace a unit owner’s HO-6. Neither of those policies is flood insurance. This article is informational only. It does not promise coverage, price, eligibility, or that any particular building changed zone. The July 9 notice does not name streets, complexes, or units. Owners have to look the unit up.
The same case number also lists the City of Chattanooga (community 470072), same August 31, 2026 date. The live Chattanooga flood post already covers both Hamilton County rows as a flood-map story. This piece is the East Ridge condo stack, community 475424. A Chattanooga mailing address is not 475424. It is not Pigeon Forge 25-04-5733P on the same July 9 table (September 11, 2026, community 475442).
What did FEMA publish for the City of East Ridge?
The July 9 notice is FEMA’s “Changes in Flood Hazard Determinations” list. It states that the FIRM, and where applicable portions of the FIS report, have been revised to reflect these flood hazard determinations through issuance of a Letter of Map Revision. The current effective community number is shown and must be used for all new policies and renewals. The table lists a date of modification of August 31, 2026 for both Hamilton County rows.
| Item | Detail |
|---|---|
| Location and case No. | City of East Ridge (25-04-3371P) |
| Chief executive officer | The Honorable Brian Williams, Mayor, City of East Ridge, 1517 Tombras Avenue, East Ridge, TN 37412 |
| Community map repository | City Hall, 1517 Tombras Avenue, East Ridge, TN 37412 |
| Date of modification | August 31, 2026 |
| Community No. | 475424 |
| Federal Register | July 9, 2026; 91 FR 42543–42547; FR Doc. 2026-13900 |
| Docket | FEMA-2026-0002 / FEMA-B-2617 |
Source: Federal Register 91 FR 42543–42547 (July 9, 2026), FR Doc. 2026-13900, Tennessee: East Ridge row. The LOMR is available for inspection at City Hall 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: 475424. Pick that number from the city-limit line, not from a Chattanooga mailing address.
The modifications are made pursuant to section 201 of the Flood Disaster Protection Act of 1973, 42 U.S.C. 4105, and are in accordance with the National Flood Insurance Act of 1968, 42 U.S.C. 4001 et seq., and 44 CFR part 65. The July 9 notice is the listing that prints August 31, 2026 as the East Ridge modification date. It is not a street list.
Is this the same map change as the Chattanooga flood post, or as Pigeon Forge 25-04-5733P?
The live Chattanooga flood post covers case 25-04-3371P for both the City of Chattanooga (470072) and the City of East Ridge (475424). Same case. Same August 31 date. This article does not redo that flood-map story. It is the condo stack for the East Ridge row only.
Pigeon Forge 25-04-5733P sits on the same July 9 table with a September 11, 2026 modification date, community 475442, City Hall at 3221 Rena Street. Different county. Different case. Do not paste September 11 onto August 31. The July 9 table does not name South Chickamauga Creek, Missionary Ridge, or any condominium. We are not going to invent them. Look the unit up.
Does a new flood-zone letter replace my HO-6 or the association master policy?
No. A LOMR revises the FIRM panel and, where applicable, the FIS. It does not rewrite the master declarations page, set an HO-6 limit, or buy flood coverage. Keep four items on the same table: the revised FIRM compared with the map in effect before August 31, 2026; the association master policy; the unit owner’s HO-6; and a separate flood conversation.
An HO-6 does not replace the master policy. The master policy does not replace an HO-6. Neither is flood insurance. Our Pigeon Forge HO-6 versus master split is a different town with the same document stack. Our Chattanooga and East Ridge flood post is the map story for this same case.
Does an HO-6 or the master policy cover flood in East Ridge?
Usually not. Flood is typically excluded from standard condo and homeowners forms. Our Tennessee flood guide states that a standard homeowners policy does not cover flood. Typical NFIP new-policy waiting periods are 30 days, with limited exceptions recorded in our Sept. 30 NFIP post.
As a general federal rule — not a statement about a named unit — a federally backed loan on a structure in a Special Flood Hazard Area triggers a lender flood-insurance requirement. Whether LOMR 25-04-3371P moved a given unit into or out of an SFHA is a map question for community 475424, not a sentence we can write from the Federal Register table.
What does Tenn. Code Ann. § 66-27-413 require the association to insure?
The Tennessee Condominium Act rule in Tenn. Code Ann. § 66-27-413 requires association property insurance on the common elements for no less than 80 percent of replacement cost, plus liability insurance on the common elements. That statute is not this LOMR. Owner-installed improvements and betterments are why an HO-6 stays on the list. Check HO-6 loss-assessment limits against the master deductible.
The statute does not convert a zone letter into coverage. Ask whether the master is closer to bare walls, single entity, or all-in. Confirm the deductible and what the bylaws say the unit owner must insure.
What should an East Ridge condo owner or buyer do now?
- Look the unit up on the FEMA Map Service Center under both map dates. Use community number 475424. Compare the panel in effect before August 31, 2026, with the revised panel at msc.fema.gov/portal/advanceSearch. A Chattanooga mailing address is not community 475424.
- Confirm the panel at City Hall, 1517 Tombras Avenue, East Ridge, TN 37412. The Federal Register named that address as the map repository, not a street list.
- Pull the master declarations page and the HO-6. Ask whether the master is closer to bare walls, single entity, or all-in. Confirm the deductible and what the bylaws say the unit owner must insure.
- Keep the flood conversation separate from the HO-6 conversation. Ask the lender, in writing, which map date and community number it is using.
Bring the Map Service Center printouts, the master declarations page, and the HO-6 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 listed for the City of Chattanooga and the City of East Ridge in FR Doc. 2026-13900 (July 9, 2026). This article is the East Ridge row. Modification date: August 31, 2026. Community number 475424. Docket FEMA-2026-0002 / FEMA-B-2617. The notice does not list which buildings changed zone.
How do I look up an East Ridge unit on the FEMA Map Service Center?
Use msc.fema.gov/portal/advanceSearch, community number 475424, and compare the pre-August 31 map with the revised panel. Confirm at City Hall, 1517 Tombras Avenue, East Ridge, TN 37412.
Seasons change. So should your coverage.
If you own or are buying a condo in East Ridge, do not stop at the zone letter. Call 865-263-1400 or get a free policy review at asigtn.com/get-a-quote. Informational only — not a coverage, eligibility, or legal determination.
Source links
- Changes in Flood Hazard Determinations (FR Doc. 2026-13900)
- GovInfo PDF — FR-2026-07-09 / 2026-13900
- FEMA Map Service Center — Advanced Search
- FEMA Listed Aug. 31 Flood-Map Changes for Chattanooga and East Ridge — Case 25-04-3371P
- Pigeon Forge Condo Insurance: Where Your HO-6 Policy Starts and the Master Policy Stops
- Tennessee Flood Insurance Homeowners Guide 2026
- NFIP Authorization Expires September 30, 2026 — Tennessee
- Get a Quote — All Seasons Insurance Group
