FEMA has made final flood hazard determinations for Sevier County, Tennessee and Incorporated Areas under Docket No. FEMA-B-2550, published in the Federal Register on Aug. 6, 2026 (FR Doc. 2026-15942). The date of November 13, 2026 has been established for the new Flood Insurance Rate Maps covering Gatlinburg, Sevierville, Pittman Center, and unincorporated Sevier County. Condo owners still need the association master policy and an HO-6 — a new FIRM does not replace either.
This companion piece pairs the countywide final determination with the condo coverage gap that map day does not close. Informational only. No coverage or eligibility promises.
Seasons change. So should your coverage. For a free policy review, call 865-263-1400 or visit asigtn.com/get-a-quote/.
By All Seasons Insurance Group
What flood-map change is coming for Sevier County condo owners?
| Item | Detail |
|---|---|
| Action | Final Flood Hazard Determinations (new FIRM / FIS effective date) |
| Effective date | November 13, 2026 |
| Federal Register | Aug. 6, 2026; FR Doc. 2026-15942 |
| Docket | FEMA-B-2550 |
| Communities named | Gatlinburg; Sevierville; Pittman Center; unincorporated Sevier County |
| Not the May 21 LOMR | Case 25-04-1916P is a separate Letter of Map Revision already listed |
The notice states that flood hazard determinations have been made final for the communities listed and that the FIRM and, where applicable, the supporting FIS report showing the new or modified flood hazard information take effect on the established date.
Is this the same action as the May 21 Sevier County LOMR?
No. The May 21, 2026 LOMR (case 25-04-1916P) revised specific panels. The Nov. 13, 2026 date is the countywide final FIRM effective date under Docket FEMA-B-2550. Keep the two actions straight when you talk with a lender or floodplain administrator.
Does a new FIRM replace my HO-6 or the association master policy?
No. A final flood hazard determination updates the map. It does not cancel the association master policy or a unit owner’s HO-6. Ask the association for the current master-policy declarations and keep the HO-6 matched to unit improvements and loss assessment.
Does an HO-6 or the master policy cover flood in Gatlinburg or Sevierville?
Standard condo and homeowners forms typically exclude flood. Flood is a separate NFIP or private flood conversation. Map day can change the zone label; it does not convert an HO-6 into flood coverage.
What should a Sevier County condo owner or buyer do before Nov. 13, 2026?
Look the building up on the FEMA Map Service Center. Ask the local floodplain administrator about the incoming panel. Request the master-policy declarations. Compare HO-6 limits to improvements and assessments. If flood may be required, start the quote early — NFIP new policies typically carry a waiting period.
Which communities are named in the Sevier County final determination?
City of Gatlinburg; City of Sevierville; Town of Pittman Center; and Unincorporated Areas of Sevier County.
Where are the community map repositories listed?
City Hall, 1230 East Parkway, Gatlinburg; City Hall, 120 Gary Wade Boulevard, Sevierville; Pittman Center City Hall, 2839 Webb Creek Road, Sevierville; and Sevier County Public Works Building, 227 Cedar Street, Sevierville — as listed in the Federal Register table.
Does this article promise flood coverage or a premium?
No. It restates the Federal Register final determination and separate condo insurance basics. Call 865-263-1400 or use asigtn.com/get-a-quote/.
Seasons change. So should your coverage.
Source links
- Final Flood Hazard Determinations (FR Doc. 2026-15942)
- GovInfo full text — FR-2026-08-06 / 2026-15942
- FEMA Map Service Center — Advanced Search
- New FEMA Flood Maps Hit Sevier County Nov. 13, 2026
- Sevierville May 21 LOMR condo HO-6 companion
- Tennessee Flood Insurance Homeowners Guide 2026
- NFIP Authorization Expires September 30, 2026 — Tennessee
- Get a Quote — All Seasons Insurance Group
