Letter of Map Revision 24-04-1254P for the City of Lakeland in Shelby County is live. FEMA listed the modification date as September 4, 2025 in the Federal Register of November 20, 2025 (Vol. 90, No. 222, pages 52423–52425, FR Doc. 2025-20376). Docket ID FEMA-2025-0002, Internal Agency Docket No. FEMA-B-2534. The city community number is 470402.
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, 10001 Highway 70, Lakeland, TN 38002. 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 Germantown/Shelby 24-04-1644P (August 11, 2025) on FR Doc. 2025-20377. It is not Piperton 24-04-2852P. Same metro area does not mean the same case number.
What FEMA published for Lakeland
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 / Lakeland row for this case is a single city listing on a different November 20 notice than the Germantown rows.
| Item | Detail |
|---|---|
| Location and case No. | City of Lakeland (24-04-1254P) |
| Chief executive officer | The Honorable Josh Roman, Mayor, City of Lakeland, 10001 Highway 70, Lakeland, TN 38002 |
| Community map repository | City Hall, 10001 Highway 70, Lakeland, TN 38002 |
| Date of modification | September 4, 2025 |
| Community No. | 470402 |
| Federal Register | November 20, 2025; Vol. 90, No. 222; pages 52423–52425; FR Doc. 2025-20376 |
| Docket | FEMA-2025-0002 / FEMA-B-2534 |
Sources: Federal Register Vol. 90, No. 222, pages 52423–52425 (November 20, 2025), FR Doc. 2025-20376, Tennessee: Shelby / City of Lakeland row. The same Lakeland row also appears in the earlier notice at FR Doc. 2025-12733 (July 9, 2025). 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 Germantown 24-04-1644P
Germantown and unincorporated Shelby County sit on FR Doc. 2025-20377 under case 24-04-1644P. This piece is Lakeland only, case 24-04-1254P, modification date September 4, 2025, community 470402, docket FEMA-B-2534, published in FR Doc. 2025-20376. The November 20 table does not name Canada Road, Highway 64, or any subdivision. We are not going to invent them. Look the parcel up.
Does a homeowners policy cover flood on a Lakeland 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 24-04-1254P moved a given parcel into or out of an SFHA is a map question for community number 470402, 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 Lakeland 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 470402. Note the panel, the printed zone, and whether the product date is on or after September 4, 2025.
Then go to the matching repository. City of Lakeland: City Hall, 10001 Highway 70, Lakeland, TN 38002. 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 Lakeland owner or buyer do now?
- Look the parcel up on the FEMA Map Service Center under both map dates. Use community number 470402. Compare the panel in effect before September 4, 2025 with the revised panel at msc.fema.gov/portal/advanceSearch.
- Confirm the panel at the matching repository. City of Lakeland: City Hall, 10001 Highway 70, Lakeland, TN 38002. 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 24-04-1254P, and when did it take effect?
It is the FEMA Letter of Map Revision for the City of Lakeland in FR Doc. 2025-20376 (November 20, 2025). Modification date: September 4, 2025. Community number 470402. Docket FEMA-2025-0002 / FEMA-B-2534. The notice does not list which buildings changed zone.
Is this the same map change as Germantown 24-04-1644P?
No. Germantown/Shelby is 24-04-1644P on FR Doc. 2025-20377. This piece is Lakeland, case 24-04-1254P, September 4, 2025, community 470402, on FR Doc. 2025-20376.
Does a homeowners policy cover flood in Lakeland?
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 Lakeland parcel on the FEMA Map Service Center?
Use msc.fema.gov/portal/advanceSearch, community number 470402, and compare the pre-September 4 map with the revised panel. Confirm at City Hall, 10001 Highway 70, Lakeland, TN 38002.
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.
