Letter of Map Revision 25-04-4708P for the City of Franklin and the unincorporated areas of Williamson County is finalized. FEMA listed the modification date as June 12, 2026 in the Federal Register of August 21, 2026 (91 FR 54345–54347, FR Doc. 2026-17071). Docket ID FEMA-2026-0002, Internal Agency Docket No. FEMA-B-2611. The City of Franklin community number is 470206. The unincorporated-county community number is 470204.
The notice does not name streets, subdivisions, or parcels. Look the address up on the FEMA Map Service Center, then confirm the panel at the listed map repository: City Hall, 120 9th Avenue South, Franklin, TN 37064, or Williamson County Planning and Zoning, 1320 West Main Street, Suite 400, Franklin, TN 37064. 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 on the same August 21 notice (June 12, 2026, community 470097). Same modification date. Different county. Different case number. It is not the live Williamson County HO-6 post for case 25-04-1944P (April 10, 2026, community 470204). Same unincorporated community number. Different case. Different date.
What did FEMA publish for Franklin and unincorporated Williamson County?
The August 21 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: Williamson rows share one case number and two community numbers.
| Item | City of Franklin | Unincorporated Williamson County |
|---|---|---|
| Location and case No. | City of Franklin (25-04-4708P) | Unincorporated areas of Williamson County (25-04-4708P) |
| Chief executive officer | The Honorable Ken Moore, Mayor, City of Franklin, 109 3rd Avenue South, Franklin, TN 37064 | The Honorable Rogers Anderson, Mayor, Williamson County, 1320 West Main Street, Suite 125, Franklin, TN 37064 |
| Community map repository | City Hall, 120 9th Avenue South, Franklin, TN 37064 | Williamson County Planning and Zoning, 1320 West Main Street, Suite 400, Franklin, TN 37064 |
| Date of modification | June 12, 2026 | June 12, 2026 |
| Community No. | 470206 | 470204 |
| Federal Register | August 21, 2026; 91 FR 54345–54347; FR Doc. 2026-17071 | |
| Docket | FEMA-2026-0002 / FEMA-B-2611 | |
Source: Federal Register 91 FR 54345–54347 (August 21, 2026), FR Doc. 2026-17071, Tennessee: Williamson 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 470206 or 470204 from the city-limit line, not from a mailing address alone.
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. Interested lessees and owners of real property are encouraged to review the final flood hazard information at the address cited for the community or online through the Map Service Center.
Is this the same map change as Jefferson 26-04-0358P or Williamson 25-04-1944P?
No. The live Jefferson County post covers case 26-04-0358P for unincorporated Jefferson County, June 12, 2026, community 470097, on this same FR Doc. 2026-17071. That repository is in Dandridge. This piece is Williamson County, case 25-04-4708P, June 12, 2026, communities 470206 and 470204. Same Federal Register table. Different rows.
The live Williamson April 10 HO-6 post covers case 25-04-1944P for unincorporated Williamson County only, April 10, 2026, community 470204. That case did not list the City of Franklin. This August 21 table lists both the city and the unincorporated county under 25-04-4708P. Same unincorporated community number. Different case. Different date. The August 21 table does not name the Harpeth River, a Cool Springs street, or any subdivision. We are not going to invent them. Look the parcel up.
Does a homeowners policy cover flood on a Franklin or Williamson County 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 records 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 notice says the current effective community number is shown and must be used for all new policies and renewals. Whether LOMR 25-04-4708P moved a given parcel into or out of an SFHA is a map question for community 470206 or 470204, 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 on a different row of the same August 21 notice.
How does a Franklin or Williamson County owner or buyer look up the revised panel?
Start on the Map Service Center. FEMA’s notice says each LOMR is available online through msc.fema.gov and at the community map repository. Search the parcel or community number 470206 (City of Franklin) or 470204 (unincorporated Williamson County). Note the panel, the printed zone, and whether the product date is on or after June 12, 2026.
Then go to the matching repository. City of Franklin: City Hall, 120 9th Avenue South, Franklin, TN 37064. Unincorporated county: Williamson County Planning and Zoning, 1320 West Main Street, Suite 400, Franklin, TN 37064. The Federal Register named those addresses as the map repositories, not a street list. Bring the parcel address and any Map Service Center printout. A Franklin mailing address is not a community number. If the structure sits outside the city, 470206 is the wrong ID for this row.
What should a Franklin or Williamson County owner or buyer do now?
- Look the parcel up on the FEMA Map Service Center under both map dates. Use community number 470206 or 470204. Compare the panel in effect before June 12, 2026, with the revised panel at msc.fema.gov/portal/advanceSearch.
- Confirm the panel at the matching repository. City Hall, 120 9th Avenue South, or Williamson County Planning and Zoning, 1320 West Main Street, Suite 400. 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 25-04-4708P, and when did it take effect?
It is the FEMA Letter of Map Revision for the City of Franklin and the unincorporated areas of Williamson County in FR Doc. 2026-17071 (August 21, 2026). Modification date: June 12, 2026. Community numbers 470206 (city) and 470204 (unincorporated county). Docket FEMA-2026-0002 / FEMA-B-2611. The notice does not list which buildings changed zone. It says the LOMRs are finalized.
How do I look up a Franklin or Williamson County parcel on the FEMA Map Service Center?
Use msc.fema.gov/portal/advanceSearch, community number 470206 or 470204, and compare the pre-June 12 map with the revised panel. Confirm at City Hall, 120 9th Avenue South (city) or 1320 West Main Street, Suite 400 (unincorporated county).
Seasons change. So should your coverage.
If you own or are buying in Franklin or unincorporated Williamson County, 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.
Source links
- Changes in Flood Hazard Determinations (FR Doc. 2026-17071)
- GovInfo PDF — FR-2026-08-21 / 2026-17071
- FEMA Map Service Center — Advanced Search
- FEMA Revised Flood Lines in Unincorporated Jefferson County — Case 26-04-0358P, Effective June 12
- Tennessee Flood Insurance: Everything Homeowners Need to Know in 2026
- Get a Quote — All Seasons Insurance Group
