Letter of Map Revision 25-04-2233P for the Town of Farragut in Knox County is finalized. FEMA listed the modification date as February 10, 2026 in the Federal Register of June 11, 2026 (91 FR 35514–35517, FR Doc. 2026-11674). Docket ID FEMA-2026-0002, Internal Agency Docket No. FEMA-B-2581. The town community number is 470387.
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 June 11 notice does not name streets, complexes, or units. Owners have to look the unit up.
This case is not the live Murfreesboro LOMR 25-04-2322P (January 14, 2026, communities 470168 and 470165). It is not the live Williamson County LOMR 25-04-1944P (April 10, 2026, community 470204). Different counties, different case numbers, different community numbers. The HO-6 lesson is the same structure, not the same map.
What did FEMA publish for the Town of Farragut?
The June 11 notice is FEMA’s finalized “Changes in Flood Hazard Determinations” list. New or modified Base Flood Elevations, base flood depths, Special Flood Hazard Area boundaries or zone designations, and/or regulatory floodways as shown on the indicated Letter of Map Revision are finalized. Each LOMR revises the Flood Insurance Rate Maps, and in some cases the Flood Insurance Study reports, currently in effect for the listed communities. The Tennessee: Knox row for this case is a single town listing.
| Item | Detail |
|---|---|
| Location and case No. | Town of Farragut (25-04-2233P) |
| Chief executive officer | The Honorable Ron Williams, Mayor, Town of Farragut, 11408 Municipal Center Drive, 2nd Floor, Farragut, TN 37934 |
| Community map repository | Town Hall, 11408 Municipal Center Drive, Farragut, TN 37934 |
| Date of modification | February 10, 2026 |
| Community No. | 470387 |
| Federal Register | June 11, 2026; 91 FR 35514–35517; FR Doc. 2026-11674 |
| Docket | FEMA-2026-0002 / FEMA-B-2581 |
Source: Federal Register 91 FR 35514–35517 (June 11, 2026), FR Doc. 2026-11674, Tennessee: Farragut row. The LOMR is available for inspection at Town 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: 470387. Pick that number from the town-limit line, not from a Knoxville mailing address.
The modified flood hazard determinations follow section 206 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 notice says 90 days have elapsed since newspaper publication and that the Assistant Administrator, Federal Insurance Directorate, Resilience has resolved any appeals.
Is this the same map change as Murfreesboro 25-04-2322P or Williamson 25-04-1944P?
No. Murfreesboro 25-04-2322P is the City of Murfreesboro and unincorporated Rutherford County, January 14, 2026. Williamson 25-04-1944P is unincorporated Williamson County, April 10, 2026, community 470204. This piece is the Town of Farragut, Knox County, case 25-04-2233P, February 10, 2026, community 470387. The June 11 table does not name Turkey Creek, Concord, 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 February 10, 2026; the association master policy — what it insures, the deductible, and whether the form reads closer to “bare walls,” “single entity,” or “all-in”; the unit owner’s HO-6 — what the form lists for interior building property, personal property, liability, and loss assessment; and a separate flood conversation, because a zone letter is not a flood policy.
An HO-6 does not replace the master policy. The master policy does not replace an HO-6. Neither is flood insurance. Do not treat either form as if it automatically insures the unit interior, and do not treat either form as flood coverage. Our Pigeon Forge HO-6 versus master split is a different town with the same document stack. Our Murfreesboro January 14 HO-6 post is a different LOMR.
Does an HO-6 or the master policy cover flood in Farragut?
Usually not. Flood is typically excluded from standard condo and homeowners forms. Our Tennessee flood guide is blunt: a standard homeowners policy does not cover flood. A master flood policy, if one exists, is not automatically contents or unit-interior flood coverage. 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. That requirement is not a master flood policy, and it is not unit-interior or contents flood coverage. Whether LOMR 25-04-2233P moved a given unit into or out of an SFHA is a map question for community 470387, 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 live Murfreesboro HO-6 post, which we opened, states the Tennessee Condominium Act rule in Tenn. Code Ann. § 66-27-413: 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. Repair cost above insurance proceeds and reserves can still come back as a common expense. Check HO-6 loss-assessment limits against the master deductible.
The statute does not convert a zone letter into coverage. The association policy does not stop a unit owner from buying insurance for the owner’s own benefit. 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. None of that is a promise that either form covers a named finish, assessment, or flood.
What should a Farragut condo owner or buyer do now?
- Look the unit up on the FEMA Map Service Center under both map dates. Use community number 470387. Compare the panel in effect before February 10, 2026, with the revised panel at msc.fema.gov/portal/advanceSearch. A Knoxville mailing address is not community 470387.
- Confirm the panel at Town Hall, 11408 Municipal Center Drive, Farragut, TN 37934. The Federal Register named that address as the map repository, not a street list. We are not going to invent complexes.
- 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. Check HO-6 loss-assessment limits against the master deductible.
- Keep the flood conversation separate from the HO-6 conversation. 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. A new requirement is not a statement we can make about a named unit from the Federal Register table.
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 25-04-2233P, and when did it take effect?
It is the FEMA Letter of Map Revision listed for the Town of Farragut in FR Doc. 2026-11674 (June 11, 2026). Modification date: February 10, 2026. Community number 470387. Docket FEMA-2026-0002 / FEMA-B-2581. The notice does not list which buildings changed zone. It says the LOMRs are finalized.
How do I look up a Farragut unit on the FEMA Map Service Center?
Use msc.fema.gov/portal/advanceSearch, community number 470387, and compare the pre-February 10 map with the revised panel. Confirm at Town Hall, 11408 Municipal Center Drive, Farragut, TN 37934.
Seasons change. So should your coverage.
If you own or are buying a condo in Farragut, 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. 2026-11674)
- GovInfo PDF — FR-2026-06-11 / 2026-11674
- FEMA Map Service Center — Advanced Search
- Murfreesboro’s Jan. 14 Flood-Map Revision Is Live — Condo Owners Still Need the Master Policy and an HO-6
- Pigeon Forge Condo Insurance: Where Your HO-6 Policy Starts and the Master Policy Stops
- Get a Quote — All Seasons Insurance Group
