Letter of Map Revision 24-04-5184P for the Metropolitan Government of Nashville-Davidson County is on FEMA’s June 11, 2026 list. The Federal Register of June 11, 2026 (91 FR 35511–35512, FR Doc. 2026-11676) lists the date of modification as June 29, 2026. Docket ID FEMA-2026-0002, Internal Agency Docket No. FEMA-B-2613. The community number is 470040.
The notice says these flood hazard determinations “will be finalized on the dates listed in the table” and that the FIRM panels and Flood Insurance Study report in effect prior to this determination will be revised. It does not name streets, creeks, subdivisions, or parcels. Look the address up on the FEMA Map Service Center, then confirm the panel at Metropolitan Government of Nashville and Davidson County, Metro Water Services, 1607 County Hospital Road, Nashville, TN 37218. 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 November 24, 2025 Nashville-Davidson LOMR 24-04-1726P (community 470040). Same community number. Different case. Different date. Do not paste a November 24 panel onto 24-04-5184P.
What did FEMA publish for Nashville-Davidson County on FR Doc. 2026-11676?
The June 11 notice is FEMA’s “Changes in Flood Hazard Determinations” list. It lists communities where the addition or modification of Base Flood Elevations, base flood depths, Special Flood Hazard Area boundaries or zone designations, or the regulatory floodway, as shown on the Flood Insurance Rate Maps, is appropriate because of new scientific or technical data. The FIRM, and where applicable portions of the Flood Insurance Study report, have been revised through issuance of a Letter of Map Revision. The Tennessee: Davidson row is a single metropolitan listing.
| Item | Detail |
|---|---|
| Location and case No. | Metropolitan Government of Nashville-Davidson County (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 |
| 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 |
Source: Federal Register 91 FR 35511–35512 (June 11, 2026), FR Doc. 2026-11676, Tennessee: Davidson row. The 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: 470040.
The modifications follow section 201 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. From the date of the second publication of notification of these changes in a newspaper of local circulation, any person has 90 days in which to request through the community that the Assistant Administrator, Federal Insurance Directorate, Resilience reconsider the changes. The flood hazard determination information may be changed during the 90-day period. Submit comments and/or appeals to the chief executive officer of the community as listed in the table. The June 11 notice lists the Map Service Center search URL in the table. This desk opened that table; it did not open a later “finalized” Federal Register notice for case 24-04-5184P.
Is this the same map change as Nashville 24-04-1726P?
No. The live November 24 post covers case 24-04-1726P for the Metropolitan Government of Nashville-Davidson County, modification date November 24, 2025, community 470040. This piece is case 24-04-5184P, listed modification date June 29, 2026, same community number, different case, different Federal Register document. Same metro government. Same repository agency. Different LOMR. If a search result says “Nashville LOMR” and no case number, check 24-04-5184P against 24-04-1726P before you print a panel.
The June 11 table does not name the Cumberland River, Mill Creek, or any neighborhood. We are not going to invent them. Look the parcel up. It is also not Franklin/Williamson 25-04-4708P, not Jefferson 26-04-0358P, and not Mt. Juliet/Wilson 25-04-4821P. Different counties. Different case numbers.
Does a homeowners policy cover flood on a Nashville-Davidson 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 records 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 24-04-5184P moved a given parcel into or out of an SFHA is a map question for community 470040, 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 November 24 Nashville LOMR post for the same lookup method on a different case number.
How does a Nashville-Davidson 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 through msc.fema.gov and at the community map repository. Search the parcel or community number 470040. Note the panel, the printed zone, and whether the product date is on or after June 29, 2026. Compare it with the November 24, 2025 panel from case 24-04-1726P if that case already applied to the same parcel.
Then go to Metro Water Services, 1607 County Hospital Road, Nashville, TN 37218. The Federal Register named that address as the map repository, not a street list. Bring the parcel address and any Map Service Center printout. Community number 470040 is the metropolitan listing on this row. A mailing address in a neighboring city is not this community number.
What should a Nashville-Davidson owner or buyer do now?
- Look the parcel up on the FEMA Map Service Center under both map dates. Use community number 470040. Compare the panel in effect before June 29, 2026, with the revised panel at msc.fema.gov/portal/advanceSearch. If 24-04-1726P already applied, keep that November 24 printout in the same folder.
- Confirm the panel at Metro Water Services, 1607 County Hospital Road. 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.
- 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 24-04-5184P, and when is the listed modification date?
It is the FEMA Letter of Map Revision for the Metropolitan Government of Nashville-Davidson County in FR Doc. 2026-11676 (June 11, 2026). Listed date of modification: June 29, 2026. Community number 470040. Docket FEMA-2026-0002 / FEMA-B-2613. The notice does not list which buildings changed zone. It says the determinations will be finalized on the dates listed.
How do I look up a Nashville-Davidson parcel on the FEMA Map Service Center?
Use msc.fema.gov/portal/advanceSearch, community number 470040, and compare the pre-June 29 map with the revised panel. Confirm at Metro Water Services, 1607 County Hospital Road, Nashville, TN 37218.
Seasons change. So should your coverage.
If you own or are buying in Nashville-Davidson County, do not stop at a zone letter from November. 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.
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
- FEMA Finalized a Nov. 24 Nashville-Davidson Flood-Map Change — Case 24-04-1726P
- Tennessee Flood Insurance: Everything Homeowners Need to Know in 2026
- Get a Quote — All Seasons Insurance Group
