Letter of Map Revision 24-04-1644P for the City of Germantown and the unincorporated areas of Shelby County is live. FEMA listed the modification date as August 11, 2025 in the Federal Register of November 20, 2025 (Vol. 90, No. 222, pages 52414–52417, FR Doc. 2025-20377). Docket ID FEMA-2025-0002, Internal Agency Docket No. FEMA-B-2522. The Federal Register table prints community number 470353 on both the City of Germantown row and the unincorporated Shelby County row. Confirm the community number for your parcel on the Map Service Center.
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: Economic and Community Development Building, 1920 South Germantown Road, Germantown, TN 38138, or Shelby County Engineers Office, 6463 Haley Road, Memphis, TN 38134. 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 Arlington LOMR 25-04-3514P (June 3, 2026, community 470262). It is not Lakeland 24-04-1254P. It is not Piperton 24-04-2852P. It is not Nashville-Davidson 24-04-1726P. Different communities. Different case numbers.
What FEMA published for Germantown and unincorporated Shelby County
The November 20 notice is FEMA’s “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: Shelby rows for this case share one case number. The Federal Register prints 470353 on both rows.
| Item | Detail |
|---|---|
| Location and case No. | City of Germantown (24-04-1644P); Unincorporated areas of Shelby County (24-04-1644P) |
| Chief executive officer | The Honorable Mike Palazzolo, Mayor, City of Germantown, 1930 South Germantown Road, Germantown, TN 38138; The Honorable Lee Harris, Mayor, Shelby County, 160 North Main Street, 11th Floor, Memphis, TN 38103 |
| Community map repository | Economic and Community Development Building, 1920 South Germantown Road, Germantown, TN 38138; Shelby County Engineers Office, 6463 Haley Road, Memphis, TN 38134 |
| Date of modification | August 11, 2025 |
| Community No. | 470353 (as printed on both Federal Register rows) |
| Federal Register | November 20, 2025; Vol. 90, No. 222; pages 52414–52417; FR Doc. 2025-20377 |
| Docket | FEMA-2025-0002 / FEMA-B-2522 |
Source: Federal Register Vol. 90, No. 222, pages 52414–52417 (November 20, 2025), FR Doc. 2025-20377, Tennessee: Shelby / Germantown 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 the community number from the city-limit or county 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 any appeals have been resolved. 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 Arlington 25-04-3514P
The live Arlington post covers case 25-04-3514P for the Town of Arlington, June 3, 2026, community 470262. This piece is Germantown and unincorporated Shelby County, case 24-04-1644P, modification date August 11, 2025, community number 470353 as printed. The November 20 table does not name Wolf River, Poplar Pike, or any subdivision. We are not going to invent them. Look the parcel up.
Does a homeowners policy cover flood on a Germantown or Shelby 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 24-04-1644P moved a given parcel into or out of an SFHA is a map question for community number 470353 as printed on the Federal Register rows (confirm on the Map Service Center), 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 in a different community.
How does a Germantown or Shelby 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 470353 as printed on the Federal Register rows (confirm on the Map Service Center). Note the panel, the printed zone, and whether the product date is on or after August 11, 2025.
Then go to the matching repository. City of Germantown: Economic and Community Development Building, 1920 South Germantown Road, Germantown, TN 38138. Unincorporated Shelby County: Shelby County Engineers Office, 6463 Haley Road, Memphis, TN 38134. The Federal Register named those addresses as the map repositories, not a street list. Bring the parcel address and any Map Service Center printout.
What should a Germantown or Shelby County owner or buyer do now?
- Look the parcel up on the FEMA Map Service Center under both map dates. Use community number 470353 as printed on the Federal Register rows (confirm on the Map Service Center). Compare the panel in effect before August 11, 2025 with the revised panel at msc.fema.gov/portal/advanceSearch.
- Confirm the panel at the matching repository. City of Germantown: Economic and Community Development Building, 1920 South Germantown Road, Germantown, TN 38138. Unincorporated Shelby County: Shelby County Engineers Office, 6463 Haley Road, Memphis, TN 38134. 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 24-04-1644P, and when did it take effect?
It is the FEMA Letter of Map Revision for the City of Germantown and the unincorporated areas of Shelby County in FR Doc. 2025-20377 (November 20, 2025). Modification date: August 11, 2025. Community number 470353 as printed on both rows. Docket FEMA-2025-0002 / FEMA-B-2522. The notice does not list which buildings changed zone.
Is this the same map change as Arlington 25-04-3514P?
No. Arlington 25-04-3514P is the Town of Arlington, June 3, 2026, community 470262. This piece is Germantown and unincorporated Shelby County, case 24-04-1644P, August 11, 2025, community 470353 as printed.
Does a homeowners policy cover flood in Germantown and unincorporated Shelby County?
No. Flood is typically excluded from a standard homeowners form. Flood insurance is a separate NFIP or private policy. Typical NFIP new-policy waiting periods are 30 days, with limited exceptions.
How do I look up a Germantown and unincorporated Shelby County parcel on the FEMA Map Service Center?
Use msc.fema.gov/portal/advanceSearch, community number 470353 as printed on the Federal Register rows (confirm on the Map Service Center), and compare the pre-August 11 map with the revised panel. Confirm at 1920 South Germantown Road, Germantown, or Shelby County Engineers Office, 6463 Haley Road, Memphis.
Seasons change. So should your coverage.
If you own or are buying in the communities named above, 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.
