Farragut’s Feb. 10 Flood-Map Revision Is Live — Condo Owners Need the Master Policy and an HO-6, Not Just a Zone Letter

Letter of Map Revision 25-04-2233P for the Town of Farragut is live. FEMA listed the modification date as February 10, 2026, in the Federal Register of January 29, 2026 (Vol. 91, No. 19, FR Doc. 2026-01745). Docket FEMA-2026-0002 / FEMA-B-2581. Community number 470387. Repository: Town Hall, 11408 Municipal Center Drive, Farragut, TN 37934.

Does a zone letter replace condo insurance?

A zone letter does not replace the association master policy. It does not replace an HO-6. Neither policy is flood insurance. The Federal Register notice does not name which buildings changed zone. Look the unit up on the Map Service Center under both map dates.

What does Tennessee law require of the association?

Tenn. Code Ann. § 66-27-413: association property insurance on common elements for no less than 80% of replacement cost. Repair cost above insurance plus reserves is a common expense. Check HO-6 loss-assessment limits against the master deductible. Ask the lender which map date it is using.

This article is informational. It does not promise coverage or eligibility.

Frequently asked questions

What took effect in Farragut on Feb. 10?

LOMR 25-04-2233P. Community 470387. Repository: Town Hall, 11408 Municipal Center Drive.

Does a zone letter replace condo insurance?

No. Owners still need the master policy and an HO-6. Neither is flood insurance.

What does Tennessee law require of the association?

Tenn. Code Ann. § 66-27-413: property insurance on common elements for no less than 80% of replacement cost. Excess repair cost is a common expense.

Sources

• Federal Register — FR Doc. 2026-01745
• Tenn. Code Ann. § 66-27-413
• FEMA Map Service Center — advanced search

Seasons change. So should your coverage. Informational only — not a coverage or eligibility promise.