Letter of Map Revision 25-04-4821P for the City of Mt. Juliet and the unincorporated areas of Wilson County is live. FEMA listed the modification date as April 20, 2026 in the Federal Register of June 11, 2026 (Vol. 91, No. 112, pages 35531–35533, FR Doc. 2026-11675). Docket ID FEMA-2026-0002, Internal Agency Docket No. FEMA-B-2601. The city community number is 470290. The unincorporated-county community number is 470207.
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, 2425 North Mt. Juliet Road, Mt. Juliet, TN 37122, or Wilson County Courthouse, 228 East Main Street, Lebanon, TN 37087. 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 Jefferson County LOMR 26-04-0358P (June 12, 2026, community 470097). It is not Franklin/Williamson 25-04-4708P. It is not Maury 25-04-6346P, not Arlington 25-04-3514P, not Murfreesboro 25-04-2322P, and not Pigeon Forge/Sevierville 25-04-1916P. Different counties. Different case numbers. Different community numbers.
What FEMA published for Mt. Juliet and unincorporated Wilson County
The June 11 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: Wilson rows share one case number and two community numbers.
| Item | City of Mt. Juliet | Unincorporated Wilson County |
|---|---|---|
| Location and case No. | City of Mt. Juliet (25-04-4821P) | Unincorporated areas of Wilson County (25-04-4821P) |
| Chief executive officer | The Honorable James Maness, Mayor, City of Mt. Juliet, 2425 North Mt. Juliet Road, Mt. Juliet, TN 37122 | The Honorable Randall Hutto, Mayor, Wilson County, 228 East Main Street, Room 104, Lebanon, TN 37087 |
| Community map repository | City Hall, 2425 North Mt. Juliet Road, Mt. Juliet, TN 37122 | Wilson County Courthouse, 228 East Main Street, Lebanon, TN 37087 |
| Date of modification | April 20, 2026 | April 20, 2026 |
| Community No. | 470290 | 470207 |
| Federal Register | June 11, 2026; Vol. 91, No. 112; pages 35531–35533; FR Doc. 2026-11675 | |
| Docket | FEMA-2026-0002 / FEMA-B-2601 | |
Source: Federal Register Vol. 91, No. 112 (June 11, 2026), FR Doc. 2026-11675, Tennessee: Wilson 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 470290 or 470207 from the city-limit line, not from a mailing address.
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 Jefferson 26-04-0358P, and it is not a street list
The live Jefferson County post covers case 26-04-0358P for unincorporated Jefferson County, June 12, 2026, community 470097. That repository is in Dandridge. This piece is Wilson County, case 25-04-4821P, April 20, 2026, communities 470290 and 470207. The June 11 table does not name Stoners Creek, Cedar Creek, or any subdivision. We are not going to invent them. Look the parcel up.
It is also not Maury 25-04-6346P (April 2, 2026, community 470123), not Williamson 25-04-1944P (April 10, 2026, community 470204), not Farragut 25-04-2233P, not Arlington 25-04-3514P, and not the Sevier countywide FIRMs effective November 13, 2026. If a search result says “April” and “Tennessee LOMR,” check the case number 25-04-4821P and the community number before you print a panel.
Does a homeowners policy cover flood on a Mt. Juliet or Wilson 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 and the Jefferson County LOMR post both record 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 June 11 notice says the current effective community number is shown and must be used for all new policies and renewals. Whether LOMR 25-04-4821P moved a given parcel into or out of an SFHA is a map question for community 470290 or 470207, 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 Mt. Juliet or Wilson 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 470290 (city) or 470207 (unincorporated county). Note the panel, the printed zone, and whether the product date is on or after April 20, 2026.
Then go to the matching repository. City of Mt. Juliet: City Hall, 2425 North Mt. Juliet Road, Mt. Juliet, TN 37122. Unincorporated Wilson County: Wilson County Courthouse, 228 East Main Street, Lebanon, TN 37087. The Federal Register named those addresses as the map repositories, not a street list. Bring the parcel address and any Map Service Center printout. If the structure sits outside the City of Mt. Juliet, community number 470290 is the wrong ID. If it sits inside the city, 470207 is the wrong ID.
What should a Mt. Juliet or Wilson County owner or buyer do now?
- Look the parcel up on the FEMA Map Service Center under both map dates. Use community number 470290 or 470207. Compare the panel in effect before April 20, 2026, with the revised panel at msc.fema.gov/portal/advanceSearch.
- Confirm the panel at the matching repository. City Hall, 2425 North Mt. Juliet Road, or Wilson County Courthouse, 228 East Main Street, Lebanon. 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 25-04-4821P, and when did it take effect?
It is the FEMA Letter of Map Revision for the City of Mt. Juliet and the unincorporated areas of Wilson County in FR Doc. 2026-11675 (June 11, 2026). Modification date: April 20, 2026. Community numbers 470290 (city) and 470207 (unincorporated county). Docket FEMA-2026-0002 / FEMA-B-2601. The notice does not list which buildings changed zone.
Is this the same map change as Jefferson 26-04-0358P?
No. Jefferson 26-04-0358P is unincorporated Jefferson County, June 12, 2026, community 470097. This piece is Wilson County, case 25-04-4821P, April 20, 2026, communities 470290 and 470207.
Does a homeowners policy cover flood in Mt. Juliet or Wilson 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 Mt. Juliet or Wilson County parcel on the FEMA Map Service Center?
Use msc.fema.gov/portal/advanceSearch, community number 470290 or 470207, and compare the pre-April 20 map with the revised panel. Confirm at City Hall, 2425 North Mt. Juliet Road, or Wilson County Courthouse, 228 East Main Street, Lebanon.
Seasons change. So should your coverage.
If you own or are buying in Mt. Juliet or unincorporated Wilson County, 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.
