Letter of Map Revision 25-04-2322P for the City of Murfreesboro and the unincorporated areas of Rutherford County is live. FEMA listed the modification date as January 14, 2026 in the Federal Register of June 11, 2026 (Vol. 91, No. 112, pages 35504–35507, FR Doc. 2026-11665). Docket ID FEMA-2026-0002, Internal Agency Docket No. FEMA-B-2566. The city community number is 470168. The unincorporated-county community number is 470165.
That is a flood-map revision, not a condominium insurance plan. A zone letter does not replace the association master policy. It does not replace a unit owner’s HO-6. Neither of those policies is flood insurance. This article is informational only. It does not promise coverage, price, eligibility, or that any particular building changed zone. The June 11 notice does not name streets, complexes, or units. Owners have to look the unit up.
This case is not the live Town of Farragut LOMR 25-04-2233P (February 10, 2026, community 470387). It is not the live Williamson County LOMR 25-04-1944P (April 10, 2026, community 470204). Different counties, different case numbers, different community numbers. The HO-6 lesson is the same structure, not the same map.
What FEMA published for Murfreesboro and unincorporated Rutherford 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: Rutherford rows share one case number and two community numbers.
| Item | City of Murfreesboro | Unincorporated Rutherford County |
|---|---|---|
| Location and case No. | City of Murfreesboro (25-04-2322P) | Unincorporated areas of Rutherford County (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 | Rutherford County 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; Vol. 91, No. 112; pages 35504–35507; FR Doc. 2026-11665 | |
| Docket | FEMA-2026-0002 / FEMA-B-2566 | |
Source: Federal Register Vol. 91, No. 112 (June 11, 2026), FR Doc. 2026-11665, Tennessee: Rutherford rows. Each LOMR is available for inspection at the listed 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 470168 or 470165 from the city-limit line, not from a mailing address.
The modified flood hazard determinations follow 42 U.S.C. 4105, 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. Rutherford County’s public calendar at rutherfordcountytn.gov lists a Planning Commission; that is a local meeting calendar, not a FIRM panel.
This is not Farragut, not Williamson, and not a street list
The live Farragut HO-6 post covers case 25-04-2233P for the Town of Farragut, February 10, 2026, community 470387. The live Williamson HO-6 post covers case 25-04-1944P for unincorporated Williamson County, April 10, 2026, community 470204. This piece is Rutherford County, case 25-04-2322P, January 14, 2026, communities 470168 and 470165.
It is also not Maury 25-04-6346P, not Jefferson 26-04-0358P, not Pigeon Forge/Sevierville 25-04-1916P, and not the Sevier countywide FIRMs effective November 13, 2026. The June 11 table does not name Stones River, Lytle Creek, or any condominium. We are not going to invent them. Look the unit up.
A LOMR is not a condo insurance plan
A LOMR revises the FIRM panel and, where applicable, the FIS. It does not rewrite the master declarations page, set an HO-6 limit, or buy flood coverage. Keep four items on the same table: the revised FIRM compared with the map in effect before January 14, 2026; the association master policy — what it insures, the deductible, and whether the form reads closer to “bare walls,” “single entity,” or “all-in”; the unit owner’s HO-6 — what the form lists for interior building property, personal property, liability, and loss assessment; and a separate flood conversation, because a zone letter is not a flood policy.
An HO-6 does not replace the master policy. The master policy does not replace an HO-6. Neither is flood insurance. Do not treat either form as if it automatically insures the unit interior, and do not treat either form as flood coverage. Our Pigeon Forge HO-6 versus master split is a different town with the same document stack. Our Williamson April 10 HO-6 post is a different LOMR.
Our Tennessee flood guide is blunt: a standard homeowners policy does not cover flood. As a general federal rule — not a statement about a named unit — a federally backed loan on a structure in a Special Flood Hazard Area triggers a lender flood-insurance requirement. That requirement is not a master flood policy, and it is not unit-interior or contents flood coverage. Typical NFIP new-policy waiting periods are 30 days, with limited exceptions recorded in our Sept. 30 NFIP post.
What the association still has to carry after the map change
A map revision does not rewrite the association’s insurance floor. The live Farragut HO-6 post, which we opened, states the Tennessee Condominium Act rule in Tenn. Code Ann. § 66-27-413: association property insurance on the common elements for no less than 80 percent of replacement cost, plus liability insurance on the common elements. That statute is not this LOMR. Owner-installed improvements and betterments are why an HO-6 stays on the list. Repair cost above insurance proceeds and reserves can still come back as a common expense. Check HO-6 loss-assessment limits against the master deductible.
The statute does not convert a zone letter into coverage. The association policy does not stop a unit owner from buying insurance for the owner’s own benefit. Ask whether the master is closer to bare walls, single entity, or all-in. Confirm the deductible and what the bylaws say the unit owner must insure. None of that is a promise that either form covers a named finish, assessment, or flood.
Four things a Murfreesboro or unincorporated Rutherford County condo owner can do now
- Look the unit up on the FEMA Map Service Center under both map dates. Use community number 470168 if the unit is inside the City of Murfreesboro. Use 470165 if it is in the unincorporated county. Compare the panel in effect before January 14, 2026, with the revised panel at msc.fema.gov/portal/advanceSearch.
- Confirm the panel at the matching repository. City: Planning Department, 111 West Vine Street, Murfreesboro, TN 37130. Unincorporated county: Rutherford County Planning and Engineering Department, 1 South Public Square, Room 200, Murfreesboro, TN 37130. A city mailing address is not a community number.
- Pull the master declarations page and the HO-6. Ask whether the master is closer to bare walls, single entity, or all-in. Confirm the deductible and what the bylaws say the unit owner must insure. Check HO-6 loss-assessment limits against the master deductible. Our Murfreesboro homeowners page is a different form conversation — not an HO-6.
- Keep the flood conversation separate from the HO-6 conversation. 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. A new requirement is not a statement we can make about a named unit from the Federal Register table.
Bring the Map Service Center printouts, the master declarations page, and the HO-6 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 25-04-2322P, and when did it take effect?
It is the FEMA Letter of Map Revision listed for the City of Murfreesboro and the unincorporated areas of Rutherford County in FR Doc. 2026-11665 (June 11, 2026). Modification date: January 14, 2026. Community numbers 470168 (city) and 470165 (unincorporated county). Docket FEMA-2026-0002 / FEMA-B-2566. The notice does not list which buildings changed zone.
Does a new flood-zone letter replace my HO-6 or the association master policy?
No. A zone letter reports a map determination. An HO-6 does not replace the master policy, and the master policy does not replace an HO-6. Neither is flood insurance. Do not treat either form as if it automatically insures the unit interior.
Is this the same map change as Farragut 25-04-2233P or Williamson 25-04-1944P?
No. Farragut 25-04-2233P is the Town of Farragut, February 10, 2026, community 470387. Williamson 25-04-1944P is unincorporated Williamson County, April 10, 2026, community 470204. This case is Rutherford County, 25-04-2322P, January 14, 2026, communities 470168 and 470165.
How do I look up a Murfreesboro or unincorporated Rutherford County unit?
Use msc.fema.gov/portal/advanceSearch, community number 470168 or 470165, and compare the pre-January 14 map with the revised panel. Confirm at 111 West Vine Street (city) or 1 South Public Square, Room 200 (unincorporated county).
Seasons change. So should your coverage.
If you own or are buying a condo in Murfreesboro or unincorporated Rutherford County, do not stop at the zone letter. Call 865-263-1400 or get a free policy review at asigtn.com/get-a-quote. Informational only — not a coverage, eligibility, or legal determination.
