FEMA listed Letter of Map Revision 24-04-5184P for the Metropolitan Government of Nashville-Davidson County with a June 29, 2026 date of modification and community number 470040. The row appears in the Federal Register of June 11, 2026 (91 FR 35511–35512, FR Doc. 2026-11676, Docket FEMA-2026-0002 / FEMA-B-2613).
A zone letter is not a condo policy. Nashville-Davidson condo owners still need to read the association master policy and the unit-owner HO-6 side by side. This article is informational only. It does not promise coverage, price, eligibility, or that any unit changed flood zone.
By All Seasons Insurance Group
What did FEMA publish for Nashville-Davidson County?
| Item | Nashville-Davidson |
|---|---|
| Case No. | 24-04-5184P |
| Chief executive officer | The Honorable Freddie O'Connell, Mayor, Metropolitan Government of Nashville and Davidson County, 1 Public Square, Suite 100, Nashville, TN 37201 |
| Community map repository | Metropolitan Government of Nashville and Davidson County, Metro Water Services, 1607 County Hospital Road, Nashville, TN 37218 |
| Online location of letter of map revision | https://msc.fema.gov/portal/advanceSearch |
| Date of modification | June 29, 2026 |
| Community No. | 470040 |
| Federal Register | June 11, 2026; 91 FR 35511–35512; FR Doc. 2026-11676 |
| Docket | FEMA-2026-0002 / FEMA-B-2613 |
Our live Nashville-Davidson flood-map post covers this case as a FIRM story. This companion is the condo stack for community 470040: master policy, HO-6, and a separate flood conversation when the lender cites that community number.
Is this a brand-new flood post or an HO-6 companion?
HO-6 companion. No unused brand-new 2026 Tennessee LOMR case remained for a fresh flood+HO-6 pair after checking FR Doc. 2026-11676 and related 2026 notices opened today. This fills the missing condo twin for an already-listed case.
Does a new flood-zone letter replace my HO-6 or the association master policy?
No. A Letter of Map Revision revises flood maps for the listed community. An HO-6 is the unit-owner form that typically sits under the association master policy. Mixing the two is how people underinsure interiors, improvements, and loss of use while staring at a zone letter.
Does an HO-6 or the master policy cover flood in Nashville-Davidson?
Usually not. Flood is typically excluded from a standard condo unit-owner form. Flood coverage is a separate NFIP or private policy. Typical NFIP new-policy waiting periods are 30 days, with limited exceptions. Our Tennessee flood guide and the Map Service Center printout for community 470040 belong in different folders from the HO-6.
What does Tenn. Code Ann. § 66-27-413 require the association to insure?
The Tennessee Condominium Act rule in Tenn. Code Ann. § 66-27-413 requires 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. Check HO-6 loss-assessment limits against the master deductible.
What should a Nashville-Davidson condo owner or buyer do now?
- Look the unit up on the FEMA Map Service Center under community number 470040. Compare the panel in effect before June 29, 2026, with the revised panel.
- Confirm the panel at Metro Water Services, 1607 County Hospital Road, Nashville, TN 37218.
- Pull the master declarations page and the HO-6. Ask whether the master is closer to bare walls, single entity, or all-in.
- Keep the flood conversation separate from the HO-6 conversation. Ask the lender, in writing, which map date and community number it is using.
- Bring the printouts to a free policy review at All Seasons Insurance Group, 865-263-1400.
What is LOMR 24-04-5184P, and when is the listed modification date?
It is the FEMA Letter of Map Revision listed for the Metropolitan Government of Nashville-Davidson County in FR Doc. 2026-11676 (June 11, 2026). Modification date: June 29, 2026. Community number 470040. Docket FEMA-2026-0002 / FEMA-B-2613. The notice does not list which buildings changed zone.
How do I look up a Nashville-Davidson unit on the FEMA Map Service Center?
Open msc.fema.gov/portal/advanceSearch. Use community number 470040. Compare the pre–June 29, 2026 panel with the revised panel. Save both printouts before you argue with a lender letter.
Seasons change. So should your coverage.
All Seasons Insurance Group can line up a master policy page, an HO-6, and a Map Service Center printout without promising a zone outcome. Call 865-263-1400 or request a review at https://asigtn.com/get-a-quote/.
This article is informational only. It does not promise coverage, price, eligibility, or that any unit changed zone.
Source links
- Changes in Flood Hazard Determinations (FR Doc. 2026-11676)
- GovInfo PDF — FR-2026-06-11 / 2026-11676
- FEMA Map Service Center — Advanced Search
- Nashville-Davidson June 29 LOMR flood post (companion)
- Tennessee Flood Insurance Homeowners Guide 2026
- NFIP Authorization Expires September 30, 2026 — Tennessee
- Get a Quote — All Seasons Insurance Group
