Letter of Map Revision 25-04-2322P for the City of Murfreesboro and the unincorporated areas of Rutherford County is finalized. FEMA listed the modification date as January 14, 2026 in the Federal Register of June 11, 2026 (91 FR 35504–35507, FR Doc. 2026-11665). Docket ID FEMA-2026-0002, Internal Agency Docket No. FEMA-B-2566. Community numbers are 470168 (city) and 470165 (unincorporated Rutherford County).
That is a flood-map revision. It is not a homeowners endorsement, not a condo HO-6, and not a flood policy by itself. The June 11 notice does not name streets, subdivisions, or buildings. Owners and buyers have to look the parcel up. This article is informational only. It does not promise coverage, price, eligibility, or that any particular structure changed zone.
By All Seasons Insurance Group
What did FEMA publish for Murfreesboro and Rutherford County?
The June 11 notice is FEMA’s finalized “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.
| Item | City of Murfreesboro | Unincorporated Rutherford County |
|---|---|---|
| Case No. | 25-04-2322P | 25-04-2322P |
| Chief executive officer | The Honorable Shane McFarland, Mayor, City of Murfreesboro, 111 West Vine Street, Murfreesboro, TN 37130 | The Honorable Joe Carr, Mayor, Rutherford County, 1 Public Square, Room 101, Murfreesboro, TN 37130 |
| Community map repository | Planning Department, 111 West Vine Street, Murfreesboro, TN 37130 | Planning and Engineering Department, 1 South Public Square, Room 200, Murfreesboro, TN 37130 |
| Date of modification | January 14, 2026 | January 14, 2026 |
| Community No. | 470168 | 470165 |
| Federal Register | June 11, 2026; 91 FR 35504–35507; FR Doc. 2026-11665 | |
| Docket | FEMA-2026-0002 / FEMA-B-2566 | |
Source: Federal Register 91 FR 35504–35507 (June 11, 2026), FR Doc. 2026-11665, Tennessee: Rutherford rows. The LOMR is available for inspection at the repositories above and online through the FEMA Map Service Center. Use the current effective community number for new policies and renewals.
Does a January 14 LOMR mean every Murfreesboro property changed flood zone?
No. The Federal Register table does not print a street list. A parcel inside the city limits belongs under community 470168. A parcel in the unincorporated county belongs under 470165. A mailing address alone is not enough. Compare the panel in effect before January 14, 2026, with the revised panel. We are not going to invent subdivisions.
Is this the same map action as the Murfreesboro HO-6 condo post?
Same case number. Different stack. Our live Murfreesboro HO-6 post covers the master policy and unit-owner forms. This piece is the flood-map row: FIRM revision, community numbers, lender map dates, and a separate flood policy conversation. Do not paste an HO-6 limit onto a zone letter. Do not paste a zone letter onto an HO-6.
Does a standard homeowners policy cover flood after this LOMR?
Usually not. Flood is typically excluded from a standard homeowners form. Our Tennessee flood guide is blunt on that point. Flood coverage is a separate NFIP or private policy. Typical NFIP new-policy waiting periods are 30 days, with limited exceptions. A dropped lender requirement after a map change is not the same as no flood risk.
Where is the map repository for Murfreesboro and Rutherford County?
For the City of Murfreesboro, the Federal Register names the Planning Department, 111 West Vine Street, Murfreesboro, TN 37130. For unincorporated Rutherford County, it names the Planning and Engineering Department, 1 South Public Square, Room 200, Murfreesboro, TN 37130. Confirm the panel there if the online printout and the lender letter disagree.
How do I look up a Murfreesboro address on the FEMA Map Service Center?
Open msc.fema.gov/portal/advanceSearch. Use community number 470168 for the city or 470165 for unincorporated Rutherford County. Compare the pre–January 14, 2026 panel with the revised panel. Save both printouts. Ask the lender, in writing, which map date and community number it is using.
What should a Murfreesboro homeowner or buyer do this week?
- Look the parcel up under both map dates for the correct community number.
- Confirm the panel at the named map repository.
- Pull the current homeowners declarations page and keep any flood quote on a separate page.
- If a lender letter cites a zone, match it to community 470168 or 470165 and to the January 14, 2026 modification date—not to a different Tennessee LOMR.
- Bring the Map Service Center printouts to a free policy review at All Seasons Insurance Group, 865-263-1400.
What is LOMR 25-04-2322P, and when did it take effect?
It is the FEMA Letter of Map Revision listed for Murfreesboro and unincorporated Rutherford County in FR Doc. 2026-11665 (June 11, 2026; 91 FR 35504–35507). Modification date: January 14, 2026. Community numbers 470168 and 470165. Docket FEMA-2026-0002 / FEMA-B-2566. The notice does not list which buildings changed zone. It says the LOMRs are finalized.
Seasons change. So should your coverage.
All Seasons Insurance Group can sit a Map Service Center printout next to a homeowners declarations page and walk the flood conversation separately. That is a free policy review or quote—not a coverage promise and not a guarantee of eligibility or price. Call 865-263-1400 or request it at https://asigtn.com/get-a-quote/.
This article is informational only. It does not promise coverage, price, eligibility, or that any parcel changed zone.
Source links
- Changes in Flood Hazard Determinations (FR Doc. 2026-11665)
- GovInfo PDF — FR-2026-06-11 / 2026-11665
- FEMA Map Service Center — Advanced Search
- Murfreesboro’s Jan. 14 Flood-Map Revision Is Live — Condo Owners Still Need the Master Policy and an HO-6
- Tennessee Flood Insurance: Everything Homeowners Need to Know in 2026
- Get a Quote — All Seasons Insurance Group
