FEMA’s August 6, 2026 Final Flood Hazard Determinations notice (FR Doc. 2026-15942, 91 FR 50874) lists the City of Gatlinburg under Sevier County Docket FEMA-B-2550 with a November 13, 2026 FIRM date. The table prints the map repository as City Hall, 1230 East Parkway, Gatlinburg, TN 37738.
A final map date is not a condo policy. Gatlinburg condo and townhome owners still need to read the association master policy and the unit-owner HO-6 side by side. This article is informational only. It does not promise coverage, price, eligibility, or that any unit changed flood zone.
Seasons change. So should your coverage. For a free policy review, call 865-263-1400 or visit asigtn.com/get-a-quote/.
By All Seasons Insurance Group
What did FEMA finalize for Gatlinburg condo and cabin owners?
| Item | Detail |
|---|---|
| Community | City of Gatlinburg |
| FIRM effective date | November 13, 2026 |
| Docket | FEMA-B-2550 |
| Map repository | City Hall, 1230 East Parkway, Gatlinburg, TN 37738 |
| Condo documents to compare | Association master policy certificate + unit HO-6 |
| Flood | Separate NFIP or private flood conversation — not assumed on HO-6 |
FR Doc. 2026-15942 (Aug. 6, 2026) lists the City of Gatlinburg in the Sevier County Final Flood Hazard Determinations table under Docket FEMA-B-2550, with a November 13, 2026 FIRM date and repository at City Hall, 1230 East Parkway.
Is this a flood-map story or an HO-6 companion?
HO-6 companion to the same-day Gatlinburg Final FIRM post. A final map date is not a condo policy. Unit owners still need the association master policy and an HO-6 side by side.
Does a final FIRM replace my HO-6 or the association master policy?
No. The Federal Register notice finalizes flood-hazard information. It does not rewrite the association master policy or the unit-owner HO-6.
Does an HO-6 or the master policy cover flood in Gatlinburg?
Usually not. Flood is typically excluded from a standard HO-6 and from many master policies. Treat flood as a separate NFIP or private flood discussion. Informational only — no coverage promise.
What should a Gatlinburg condo or townhome owner review before Nov. 13, 2026?
Confirm any lender flood letter against the November 13, 2026 maps, request the current master-policy certificate, compare walls-in/betterments, loss assessment, and contents on the HO-6, and request a free policy review.
Where is the Gatlinburg map repository listed?
City Hall, 1230 East Parkway, Gatlinburg, TN 37738, per FR Doc. 2026-15942.
How is this different from Sevier County county-wide FIRM posts already on the blog?
This companion focuses on Gatlinburg unit owners and the HO-6/master-policy stack for the City of Gatlinburg row in Docket FEMA-B-2550. County-wide Sevier FIRM explainers remain separate posts.
Where can someone request a free policy review?
Call 865-263-1400 or use asigtn.com/get-a-quote. Informational only.
Seasons change. So should your coverage.
Source links
- Final Flood Hazard Determinations (FR Doc. 2026-15942)
- GovInfo PDF — FR-2026-08-06 / 2026-15942
- FEMA Map Service Center
- Pigeon Forge Condo Insurance HO-6 Master Policy Gaps
- Sevier County Nov. 13 FIRM condo HO-6 companion
- Tennessee Flood Insurance Homeowners Guide 2026
- Get a Quote — All Seasons Insurance Group
