Letter of Map Revision 25-04-4708P for the City of Franklin and the unincorporated areas of Williamson County is live. FEMA listed the modification date as June 12, 2026 in the Federal Register of June 11, 2026 (Vol. 91, No. 112, pages 35507–35510, FR Doc. 2026-11670). Docket ID FEMA-2026-0002, Internal Agency Docket No. FEMA-B-2611. FEMA then listed the same two Tennessee: Williamson rows as finalized in the Federal Register of August 21, 2026 (Vol. 91, No. 161, pages 54345–54347, FR Doc. 2026-17071). The city community number is 470206. The unincorporated-county community number is 470204.
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 notices do not name streets, complexes, or units. Owners have to look the unit up.
This case is not the live Williamson County LOMR 25-04-1944P (April 10, 2026, unincorporated county only, community 470204). It is not the live Town of Farragut LOMR 25-04-2233P (February 10, 2026, community 470387). It is not the live Jefferson County LOMR 26-04-0358P, which shares the June 12, 2026 modification date on the same June 11 table but is a different county and a different case number. Different maps. The HO-6 lesson is the same structure, not the same panel.
What FEMA published for Franklin and unincorporated Williamson County
The June 11 notice lists communities where flood hazard determinations have been revised through issuance of a Letter of Map Revision. The August 21 notice says those determinations are finalized: 90 days have elapsed since newspaper publication, and any appeals have been resolved. 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 | June 11, 2026; Vol. 91, No. 112; FR Doc. 2026-11670. Finalized August 21, 2026; Vol. 91, No. 161; FR Doc. 2026-17071 | |
| Docket | FEMA-2026-0002 / FEMA-B-2611 | |
Source: Federal Register Vol. 91, No. 112 (June 11, 2026), FR Doc. 2026-11670, and Vol. 91, No. 161 (August 21, 2026), FR Doc. 2026-17071, Tennessee: Williamson rows. Each LOMR is available for inspection at the listed 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.
The modified flood hazard determinations follow section 201 of the Flood Disaster Protection Act of 1973, 42 U.S.C. 4105, on the June 11 notice, and section 206 of that Act on the August 21 finalization notice, together with 42 U.S.C. 4001 et seq. and 44 CFR part 65. 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.
This is not Williamson 25-04-1944P, and it is not Jefferson 26-04-0358P
The live Williamson HO-6 post covers case 25-04-1944P for the unincorporated areas of Williamson County only, April 10, 2026, community 470204, FR Doc. 2026-01745. That row did not name the City of Franklin. This piece is case 25-04-4708P, June 12, 2026, communities 470206 (city) and 470204 (unincorporated county). Same county. Same unincorporated community number. Different case. Different date. This one includes the city.
The live Jefferson County post covers case 26-04-0358P, also June 12, 2026, community 470097, on the same June 11 table. That is unincorporated Jefferson County, not Franklin. Do not paste a Dandridge repository address onto a Franklin unit.
It is also not Farragut 25-04-2233P, not Maury 25-04-6346P, not Murfreesboro 25-04-2322P, not Pigeon Forge/Sevierville 25-04-1916P, and not the Sevier countywide FIRMs effective November 13, 2026. The notices do not name the Harpeth River, a downtown street, or any condominium. We are not going to invent them. Look the unit up.
A LOMR is not a condo insurance plan
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 June 12, 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 Williamson April 10 HO-6 post is a different LOMR in the same county. Our Pigeon Forge HO-6 versus master split is a different town with the same document stack. Our Franklin flood guide is a city flood conversation, not this case number.
Our Tennessee flood guide is blunt: a standard homeowners policy does not cover flood. 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. Typical NFIP new-policy waiting periods are 30 days, with limited exceptions recorded in our Sept. 30 NFIP post.
What the association still has to carry after the map change
A map revision does not rewrite the association’s insurance floor. The live Farragut 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.
Four things a Franklin or unincorporated Williamson County condo owner can do now
- Look the unit up on the FEMA Map Service Center under both map dates. Use community number 470206 if the unit is inside the City of Franklin. Use 470204 if it is in the unincorporated county. 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: 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. A city mailing address is not a community number. The April 10 unincorporated row named Williamson County Engineering at 1320 West Main Street, without Suite 400. This June 12 unincorporated row names Planning and Zoning, Suite 400. Use the repository printed for 25-04-4708P.
- 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. Our Franklin homeowners page is a different form conversation — not an HO-6.
- 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 25-04-4708P, and when did it take effect?
It is the FEMA Letter of Map Revision listed for the City of Franklin and the unincorporated areas of Williamson County in FR Doc. 2026-11670 (June 11, 2026) and finalized 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 notices do not list which buildings changed zone.
Does a new flood-zone letter replace my HO-6 or the association master policy?
No. A zone letter reports a map determination. An HO-6 does not replace the master policy, and 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.
Is this the same map change as Williamson 25-04-1944P or Jefferson 26-04-0358P?
No. Williamson 25-04-1944P is unincorporated Williamson County only, April 10, 2026, community 470204. Jefferson 26-04-0358P is unincorporated Jefferson County, June 12, 2026, community 470097. This case is 25-04-4708P, June 12, 2026, communities 470206 and 470204.
How do I look up a Franklin or unincorporated Williamson County unit?
Use msc.fema.gov/portal/advanceSearch, community number 470206 or 470204, and compare the pre-June 12 map with the revised panel. Confirm at 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 a condo in Franklin or unincorporated Williamson County, 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.
