Letter of Map Revision 24-04-1726P for the Metropolitan Government of Nashville-Davidson County is finalized. FEMA listed the modification date as November 24, 2025 in the Federal Register of January 21, 2026 (Vol. 91, No. 13, pages 2547–2550, FR Doc. 2026-01055). Docket ID FEMA-2026-0002, Internal Agency Docket No. FEMA-B-2555. The community number is 470040.
The January 21 notice says these flood hazard determinations are finalized: notice was published in newspapers of local circulation, 90 days have elapsed, and any appeals have been resolved. It does not name streets, creeks, subdivisions, or parcels. Look the address up on the FEMA Map Service Center, then confirm the panel at the listed map repository: Metropolitan Government of Nashville-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 Franklin/Williamson LOMR 25-04-4708P (June 12, 2026). It is not Mt. Juliet 25-04-4821P. It is not Maury 25-04-6346P or Maury 25-04-3682P. Different counties. Different case numbers. Different community numbers.
What FEMA published for Nashville-Davidson County on case 24-04-1726P
The January 21 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: Davidson row is one metropolitan government, one case number, and one community number.
| Item | Metropolitan Government of Nashville-Davidson County |
|---|---|
| Location and case No. | Metropolitan Government of Nashville-Davidson County (24-04-1726P) |
| Chief executive officer | The Honorable Freddie O’Connell, Mayor, Metropolitan Government of Nashville-Davidson County, 1 Public Square, Suite 100, Nashville, TN 37201 |
| Community map repository | Metropolitan Government of Nashville-Davidson County, Metro Water Services, 1607 County Hospital Road, Nashville, TN 37218 |
| Date of modification | November 24, 2025 |
| Community No. | 470040 |
| Federal Register | January 21, 2026; Vol. 91, No. 13; pages 2547–2550; FR Doc. 2026-01055 |
| Docket | FEMA-2026-0002 / FEMA-B-2555 |
Source: Federal Register Vol. 91, No. 13 (January 21, 2026), FR Doc. 2026-01055, Tennessee: Davidson row. 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 is shown and must be used for all new policies and renewals. Use 470040. A Nashville mailing address is not a substitute for that number.
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 changes in flood hazard determinations are in accordance with 44 CFR 65.4. 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 Franklin 25-04-4708P, and it is not a street list
The live Franklin HO-6 post covers case 25-04-4708P for the City of Franklin and unincorporated Williamson County, June 12, 2026, communities 470206 and 470204. That is a different county. This piece is Davidson County, case 24-04-1726P, November 24, 2025, community 470040. Do not paste a Franklin City Hall address onto a Nashville parcel. Do not paste 1607 County Hospital Road onto a Franklin unit.
It is also not Mt. Juliet 25-04-4821P (April 20, 2026, Wilson County), not Maury 25-04-6346P, not Maury 25-04-3682P, not Jefferson 26-04-0358P, and not the Sevier countywide FIRMs effective November 13, 2026. The January 21 table does not name the Cumberland River, a creek, or any subdivision. We are not going to invent them. Look the parcel up. Our Nashville homeowners page and our 2026 Nashville homeowners guide are city insurance conversations, not this case number. Neither page replaces a Map Service Center printout dated against November 24, 2025.
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, and none of them is a reason to treat a 2025 map date as unfinished business. 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 January 21 notice says the current effective community number is shown and must be used for all new policies and renewals. Whether LOMR 24-04-1726P 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 moved a structure out of the SFHA, the mandatory-purchase rule can fall away. The water does not read maps. If the map moved 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 Nashville-Davidson 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 470040. Note the panel, the printed zone, and whether the product date is on or after November 24, 2025. Compare it with the panel in effect before that date.
Then go to the repository: 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. The mayor’s office at 1 Public Square, Suite 100, is the chief executive officer address in the table, not the map repository. Do not confuse the two.
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 November 24, 2025, with the revised panel at msc.fema.gov/portal/advanceSearch.
- 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. 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 24-04-1726P, and when did it take effect?
It is the FEMA Letter of Map Revision for the Metropolitan Government of Nashville-Davidson County in FR Doc. 2026-01055 (January 21, 2026). Modification date: November 24, 2025. Community number 470040. Docket FEMA-2026-0002 / FEMA-B-2555. The notice does not list which buildings changed zone. It says the determinations are finalized.
Is this the same map change as Franklin 25-04-4708P?
No. Franklin 25-04-4708P is the City of Franklin and unincorporated Williamson County, June 12, 2026, communities 470206 and 470204. This piece is Davidson County, case 24-04-1726P, November 24, 2025, community 470040.
Does a homeowners policy cover flood in Nashville-Davidson 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 Nashville-Davidson parcel on the FEMA Map Service Center?
Use msc.fema.gov/portal/advanceSearch, community number 470040, and compare the pre-November 24, 2025 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 before November 24, 2025. 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.
