FEMA Revised Flood Lines in Unincorporated Maury County — Case 25-04-6346P, Effective April 2

FEMA Letter of Map Revision 25-04-6346P is the flood-map change that now applies to the unincorporated areas of Maury County, Tennessee. The Government Publishing Office posted the notice in the Federal Register on Thursday, January 29, 2026 (Volume 91, Number 19, pages 3901–3904, FR Doc. 2026-01745). The table lists the date of modification as April 2, 2026. Community number 470123 “must be used for all new policies and renewals.”

The heading is Docket ID FEMA-2026-0002 and Internal Agency Docket No. FEMA-B-2581. The location line is not a city and is not Williamson County. It is “Unincorporated areas of Maury County (25-04-6346P).” The community map repository is the Building and Zoning Office, 5 Public Square, Columbia, TN 38401. The chief executive officer named for appeals is Mayor Sheila Butt, Maury County, 41 Public Square, Columbia, TN 38401.

This is a Letter of Map Revision issued because FEMA received new scientific or technical data — not a countywide restudy of every Maury County panel. The notice does not name streets, creeks, or plats. We are not going to invent them. Look the parcel up on the FEMA Map Service Center, then confirm the revised panel in person at Building and Zoning in Columbia.

This article is informational. It is not a zone determination, a coverage opinion, or a promise that any particular house is inside or outside a Special Flood Hazard Area (SFHA). A standard homeowners policy does not cover flood. As a general federal rule — not a statement about a named address — if a structure is in an SFHA and the loan is federally backed, flood insurance is a lender requirement.

What did FEMA change in unincorporated Maury County on April 2?

The January 29 notice is a “Changes in Flood Hazard Determinations” listing. FEMA describes those determinations as the addition or modification of Base Flood Elevations (BFEs), base flood depths, Special Flood Hazard Area boundaries or zone designations, or the regulatory floodway. The FIRM, and where applicable portions of the Flood Insurance Study, “have been revised to reflect these flood hazard determinations through issuance of a Letter of Map Revision (LOMR).”

That is what a LOMR does. It is not a street list. FEMA did not publish which Maury County roads moved into an SFHA, which moved out, or how many structures changed zone. The online location of the letter is the Map Service Center advance-search portal. The modifications are made pursuant to section 201 of the Flood Disaster Protection Act of 1973, 42 U.S.C. 4105, and 44 CFR part 65. From the date of the second newspaper publication, any person has 90 days to request reconsideration through the community.

Maury County LOMR 25-04-6346P at a glance

Source for the Federal Register rows: FR Doc. 2026-01745. Source for hours and the NFIP function: Maury County Building and Zoning Office.

Is case 25-04-6346P the same as Farragut, Jefferson, Sevier, or Williamson?

No. Case 25-04-6346P is unincorporated Maury County only — community 470123, modification date April 2, 2026.

The same January 29 table lists the Town of Farragut as case 25-04-2233P (February 10, 2026, community 470387), already covered in All Seasons’ post on the Farragut February 10 LOMR. Unincorporated Williamson County is case 25-04-1944P on that table, modification April 10, 2026, community 470204. That is a different county. Do not swap the two printouts.

Jefferson County LOMR 26-04-0358P (community 470097, June 12, 2026) is a later Federal Register notice. The Sevier County countywide Flood Insurance Rate Maps take effect November 13, 2026. The Pigeon Forge and Sevierville Letter of Map Revision is case 25-04-1916P, effective May 21, 2026. Use community number 470123 and April 2, 2026 for this Maury County row.

How does a Maury County owner or buyer look up the revised panel?

Start on the Map Service Center. FEMA’s notice says revised flood hazard information is available online and at the community map repository, and that the current effective FIRM and FIS are at http://msc.fema.gov for comparison. Search the parcel or community number 470123. Note the panel, the printed zone, and whether the product date is on or after April 2, 2026.

Then go to Columbia. Maury County’s department page places Building and Zoning in the Walter Harlan Building, 5 Public Square (First Floor). Hours are 7:30 a.m. to 4:00 p.m., closed 11:30 a.m. to 12:30 p.m. The number is 931-375-3002. The office lists the National Flood Insurance Program among its functions and posts a Flood Plain Development Permit form. The county’s interactive zoning map is a zoning product. It is not a substitute for the FEMA FIRM that reflects LOMR 25-04-6346P.

The Tennessee Emergency Management Agency NFIP page makes the first stop the local floodplain administrator — “the best source for community-specific guidance, permitting information, and flood risk details.” TEMA’s statewide floodplain administrator directory is organized by the community where the property sits. For unincorporated Maury County, start with Building and Zoning. Bring the parcel address and any Map Service Center printout.

If the structure is inside the City of Columbia, this Federal Register row is not the answer. The January 29 table named the unincorporated areas of Maury County only. It did not name Columbia, Mount Pleasant, or Spring Hill as the location. Columbia’s Development Services GIS page lists FEMA Special Flood Hazard Areas among city data sets — a city product, not community 470123.

Does a homeowners policy cover flood on a Maury County house?

No. A standard homeowners policy does not cover flood. TEMA’s NFIP page states it in one line: “Most homeowners insurance does not cover flood damage. Flood insurance is a separate policy that can cover buildings, the contents in a building, or both.” 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. FEMA’s flood-insurance page (last updated January 2, 2026) says to plan ahead: “there is typically a 30-day waiting period for an NFIP policy to go into effect, unless the coverage is mandated it is purchased as required by a government backed lender or is related to a community flood map change.” 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 HO-3.

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 states that homes and businesses in high-risk flood areas with mortgages from government-backed lenders are required to have flood insurance. Whether LOMR 25-04-6346P moved a given parcel into or out of an SFHA is a map question for community 470123, 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.

Spring Hill sits in two counties — which map applies?

Spring Hill buyers should confirm which county the parcel is in. The City of Spring Hill’s official tax-rates page lists Maury County and Williamson County as separate lines. A Spring Hill mailing address is not a flood-zone determination.

This LOMR is community 470123 for unincorporated Maury County, modification April 2, 2026. Unincorporated Williamson County on the same January 29 table is case 25-04-1944P, community 470204, modification April 10, 2026. If the parcel is inside Spring Hill city limits, ask which NFIP community number the lender is using rather than assuming either county’s unincorporated number. FEMA did not name streets in FR Doc. 2026-01745. We are not going to invent a list.

What should a Maury County owner or buyer do now?

1. Look the parcel up on the FEMA Map Service Center advance search. Write down community number 470123 (for the unincorporated county), the panel, the zone, and the product date.
2. Confirm the revised panel in person at Building and Zoning, Walter Harlan Building, 5 Public Square (First Floor), Columbia. Hours: 7:30 a.m.–4:00 p.m., closed 11:30 a.m.–12:30 p.m.; 931-375-3002.
3. If the parcel is inside Columbia, Mount Pleasant, or Spring Hill, confirm the city-limit line and the NFIP community number before you treat 470123 as the number on an application.
4. Ask the lender which FIRM date and community number it is using, and whether it treats the structure as in an SFHA on the April 2, 2026 revision.
5. Read the homeowners declarations page. Confirm that flood is excluded and whether you already carry a separate flood policy.
6. If you need a flood policy, start the application before the next storm. FEMA says NFIP new policies typically carry a 30-day waiting period, with limited exceptions. A quote is not a bound policy.
7. If you believe the new lines are wrong, the reconsideration path runs through Mayor Sheila Butt, 41 Public Square, during the newspaper-notice window. That is a map process, not an insurance claim.

Buyers closing in unincorporated Maury County should put the Map Service Center printout and a Columbia Building and Zoning visit on the same checklist as the appraisal. A zone letter from last year is not this LOMR.

Seasons change. So should your coverage.

If you want a second set of eyes on the declarations page, call All Seasons Insurance Group at 865-263-1400 or request a quote. Offices are at 1001 Parkway in Sevierville and 121 Suburban Road in Knoxville. Bring the Map Service Center printout and the homeowners declarations.

Informational only. Not a flood-zone determination, coverage opinion, eligibility decision, or legal advice. A homeowners policy does not cover flood. If a structure is in a Special Flood Hazard Area and the loan is federally backed, flood insurance is a lender requirement as a general federal rule — not a promise about a specific house.

Frequently asked questions

What did FEMA change in unincorporated Maury County on April 2?

FEMA issued Letter of Map Revision 25-04-6346P for the unincorporated areas of Maury County, Tennessee, with a date of modification of April 2, 2026. The January 29, 2026 Federal Register notice (FR Doc. 2026-01745, Docket ID FEMA-2026-0002, Internal Agency Docket FEMA-B-2581) describes LOMRs as revisions to Base Flood Elevations, base flood depths, Special Flood Hazard Area boundaries or zone designations, or the regulatory floodway. Community number 470123 must be used for new flood policies and renewals. The notice does not name streets.

Is case 25-04-6346P the same as Farragut, Jefferson, Sevier, or Williamson?

No. Maury County LOMR 25-04-6346P is unincorporated Maury County only, community 470123, modification April 2, 2026. Farragut 25-04-2233P (February 10, community 470387) and unincorporated Williamson County 25-04-1944P (April 10, community 470204) appear on the same January 29 table but are different communities. Jefferson County 26-04-0358P, the Sevier County countywide FIRMs effective November 13, 2026, and Pigeon Forge/Sevierville LOMR 25-04-1916P are separate actions.

How does a Maury County owner or buyer look up the revised panel?

Look the parcel up on the FEMA Map Service Center (http://msc.fema.gov), using community number 470123 for the unincorporated county, then confirm the revised panel in person at the Maury County Building and Zoning Office, Walter Harlan Building, 5 Public Square (First Floor), Columbia, TN 38401. Hours are 7:30 a.m. to 4:00 p.m., closed 11:30 a.m. to 12:30 p.m. Phone 931-375-3002. The county zoning map is not the FEMA FIRM.

Does a homeowners policy cover flood on a Maury County house?

No. A standard homeowners policy does not cover flood. Flood insurance is a separate NFIP or private policy. TEMA states that most homeowners insurance does not cover flood damage. FEMA’s flood-insurance page says there is typically a 30-day waiting period for an NFIP policy to go into effect, with limited exceptions for certain government-backed lender purchases and community flood map changes.

If a structure is in an SFHA with a federally backed loan, is flood insurance required?

As a general federal rule, yes: if a structure is in a Special Flood Hazard Area and the loan is federally backed, flood insurance is a lender requirement. FEMA states that homes and businesses in high-risk flood areas with mortgages from government-backed lenders are required to have flood insurance. That is not a promise about a specific house. Whether LOMR 25-04-6346P placed a given structure in or out of an SFHA is a parcel-level map question.

Spring Hill sits in two counties — which map applies?

Confirm which county the parcel is in. Spring Hill’s official tax-rates page lists Maury County and Williamson County as separate lines. This LOMR is community 470123 for unincorporated Maury County, modification April 2, 2026. Unincorporated Williamson County on the same Federal Register table is case 25-04-1944P, community 470204, modification April 10, 2026. A Spring Hill mailing address is not a flood-zone determination. The Federal Register did not name streets.

What should a Maury County owner or buyer do now?

Look up the parcel on the Map Service Center, confirm the April 2, 2026 panel at Building and Zoning in Columbia, ask the lender which map date and community number it is using, read the homeowners declarations for the flood exclusion, and start any flood-policy application before the next storm because NFIP new policies typically carry a waiting period. If the parcel is inside a city, confirm the community number before using 470123. This is informational only and is not a coverage or eligibility promise.

Sources

• Changes in Flood Hazard Determinations (FR Doc. 2026-01745)
• FEMA Map Service Center — Advance Search
• Building & Zoning Office | Maury County, TN
• County Mayor | Maury County, TN
• GIS Mapping | Columbia, TN
• Tax Rates | Spring Hill, TN
• National Flood Insurance Program (Tennessee)
• Statewide Floodplain Administrator Directory
• Flood Insurance | http://FEMA.gov
• Farragut’s Feb. 10 Flood-Map Revision Is Live
• New FEMA Flood Maps Hit Sevier County Nov. 13, 2026
• FEMA Finalized New Flood Lines in Pigeon Forge and Sevierville - Effective May 21
• Tennessee Flood Insurance: Everything Homeowners Need to Know in 2026
• Flood Insurance Program Expires Sept. 30 — What TN Owners Should Do
• Homeowners Insurance in Spring Hill, TN: Complete Guide for 2026