Letter of Map Revision 25-04-1944P for the unincorporated areas of Williamson County is live. FEMA listed the modification date as April 10, 2026 in the Federal Register of January 29, 2026 (Vol. 91, No. 19, pages 3901–3904, FR Doc. 2026-01745). Docket ID FEMA-2026-0002, Internal Agency Docket No. FEMA-B-2581. Community number for new flood policies and renewals: 470204.
That is a map revision, not a condo insurance plan. A zone letter does not replace the association master policy. It does not replace an HO-6. Neither policy is flood insurance. This article is informational only. It does not promise coverage, price, eligibility, or that a particular building changed zone. The notice says the specific flood hazard determinations are not described for each community. Owners have to look the unit up.
This is not the live Town of Farragut LOMR 25-04-2233P (February 10, 2026, community 470387). It is not the sibling Maury County LOMR 25-04-6346P (April 2, 2026, community 470123). Same January 29 table. Three different Tennessee rows.
What FEMA published for unincorporated Williamson County
The January 29 notice is FEMA’s “Changes in Flood Hazard Determinations” list. It names communities where Base Flood Elevations, Special Flood Hazard Area boundaries or zone designations, or the regulatory floodway have been added or modified because of new scientific or technical data. Those revisions go onto the Flood Insurance Rate Map — and, where applicable, the Flood Insurance Study — through a Letter of Map Revision.
The Tennessee: Williamson row is Unincorporated areas of Williamson County (25-04-1944P). Chief executive officer: Mayor Rogers Anderson, 1320 West Main Street, Suite 125, Franklin, TN 37064. Community map repository: Williamson County Engineering, 1320 West Main Street, Franklin, TN 37064. Online location: FEMA Map Service Center advance search. Modification date: April 10, 2026. Community number 470204 must be used for all new policies and renewals. The county Engineering page lists Suite 400 of that building, (615) 790-5809, 8:00 a.m.–4:30 p.m., and names floodplain management among its duties. After the second local-newspaper publication, there is a 90-day reconsideration window through the community. The modifications follow 42 U.S.C. 4105, 42 U.S.C. 4001 et seq., and 44 CFR part 65. They are the federal minimum. The notice does not name a subdivision, condo, or unit. If the unit sits inside a city limit, 470204 is the wrong ID.
| Item | Fact |
|---|---|
| Case / location | Unincorporated areas of Williamson County (25-04-1944P) |
| Docket | FEMA-2026-0002 / FEMA-B-2581 |
| Community number | 470204 (new policies and renewals) |
| Modification date | April 10, 2026 |
| Chief executive officer | Mayor Rogers Anderson, 1320 West Main Street, Suite 125, Franklin, TN 37064 |
| Map repository | Williamson County Engineering, 1320 West Main Street, Franklin, TN 37064; Suite 400, (615) 790-5809 |
| Online LOMR | FEMA Map Service Center, advance search |
| Association insurance floor | No less than 80% of common-element replacement cost after deductibles (Tenn. Code Ann. § 66-27-413(a)(1)) |
| Shortfall | Repair cost above insurance proceeds plus reserves is a common expense (§ 66-27-413(h)) |
Source for map rows: FR Doc. 2026-01745. Source for Suite 400 and phone: Williamson County Engineering. Source for the 80% floor: Tenn. Code Ann. § 66-27-413.
This is not Farragut, not Maury, and not Texas Williamson
Farragut 25-04-2233P is the Town of Far ragut in Knox County, February 10, 2026, community 470387. Maury 25-04-6346P is unincorporated Maury County, April 2, 2026, community 470123. Williamson 25-04-1944P is a third row. The same table also lists Texas: Williamson County, City of Round Rock (25-06-0434P), April 2, 2026, community 481048. That is not this story. If a search result says “Williamson” and “April,” check the state, the case number, and community 470204 before you print a panel.
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 April 10; 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. TEMA’s NFIP page is blunt: most homeowners insurance does not cover flood damage, and flood insurance is a separate policy that can cover the building, the contents, or both. A federally backed loan on a structure in a Special Flood Hazard Area triggers a lender flood-insurance requirement under federal rules. That is not a master flood policy, and it is not unit-interior or contents flood coverage. Sewer or drain backup is a third water bucket, usually an endorsement. See our Franklin flood guide and the HO-6 versus master split (a different town). FEMA did not publish which panels 25-04-1944P touched. Look the parcel up.
What Tennessee’s Condominium Act requires the association to carry
Tenn. Code Ann. § 66-27-413 sets the association’s insurance floor — not the LOMR. After the first conveyance of a unit to someone other than a declarant, the association shall maintain, to the extent reasonably available, property insurance on the common elements. After deductibles, that amount shall be no less than 80 percent of replacement cost at purchase and at each renewal, exclusive of land, excavations, foundations, and other items normally excluded from property policies. Liability insurance on the common elements, including medical payments, is also required.
In a building with horizontal unit boundaries, that property insurance, to the extent reasonably available, shall include the units but need not include owner-installed improvements and betterments. The association policy does not stop a unit owner from buying insurance for the owner’s own benefit. If both cover the same risk, the association policy is primary, subject to the statute and the forms. That is why an HO-6 is still on the list. It is not a promise that either form covers a named interior finish or flood. Repair cost above insurance proceeds and reserves is a common expense unless a statutory no-rebuild condition applies. Read the form.
Four things a Williamson County condo owner can do now
- Look the unit up on the FEMA Map Service Center under both map dates. Use community number 470204. Compare the pre-April 10, 2026 panel with the revised panel at http://msc.fema.gov/portal/advanceSearch. Save both results.
- Confirm the panel at Williamson County Engineering in Franklin. Repository: 1320 West Main Street. County page: Suite 400, (615) 790-5809, 8:00 a.m.–4:30 p.m. TEMA tells owners to start with the local floodplain administrator.
- 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. That is a document review, not a zone guess.
- Ask the lender which map date it is using, then have the flood conversation separately. Ask whether escrow is rating the pre-April 10 panel or the revised one, and whether a flood-insurance requirement is being added, kept, or dropped. A dropped lender requirement is not the same as no flood risk. NFIP new-policy waiting periods are typically 30 days, with limited exceptions. See our Sept. 30 NFIP post.
Bring the Map Service Center printouts, the master declarations page, and the HO-6. Call All Seasons Insurance Group at 865-263-1400 or request a quote at http://asigtn.com/get-a-quote. Offices: 1001 Parkway, Sevierville, and 121 Suburban Road, Knoxville.
What is LOMR 25-04-1944P, and when did it take effect?
It is the FEMA Letter of Map Revision for unincorporated Williamson County in FR Doc. 2026-01745 (Jan. 29, 2026). Modification date: April 10, 2026. Community number 470204. Docket FEMA-2026-0002 / FEMA-B-2581. 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 the letter as a coverage decision.
Is this the same map change as Farragut 25-04-2233P or Maury 25-04-6346P?
No. Farragut 25-04-2233P is the Town of Farragut, February 10, 2026, community 470387. Maury 25-04-6346P is unincorporated Maury County, April 2, 2026, community 470123. Williamson 25-04-1944P is unincorporated Williamson County, April 10, 2026, community 470204. The Texas Round Rock row on the same table is community 481048.
What does Tenn. Code Ann. § 66-27-413 require the association to insure?
To the extent reasonably available, property insurance on the common elements for no less than 80 percent of replacement cost after deductibles, exclusive of land, excavations, foundations, and usual exclusions, plus liability insurance on the common elements. In buildings with horizontal unit boundaries, that property insurance shall include the units to the extent reasonably available, but need not include owner-installed improvements and betterments.
Does an HO-6 or the master policy cover flood?
Usually not. Flood is typically excluded from standard condo and homeowners forms. TEMA says most homeowners insurance does not cover flood and that flood insurance is a separate policy. A master flood policy, if one exists, is not automatically contents or unit-interior coverage. NFIP new-policy waiting periods are typically 30 days, with limited exceptions.
How do I look up an unincorporated Williamson County unit on the FEMA Map Service Center?
Use http://msc.fema.gov/portal/advanceSearch, community number 470204, and compare the pre-April 10 map with the revised panel. Confirm at Williamson County Engineering, 1320 West Main Street, Franklin, TN 37064, (615) 790-5809. If the unit is inside a city, do not use 470204.
Where can I inspect the revised maps in person?
Williamson County Engineering, 1320 West Main Street, Franklin, TN 37064. The county lists Suite 400. Reconsideration requests during the 90-day window go through Mayor Rogers Anderson at Suite 125.
Seasons change. So should your coverage.
If you own or are buying a condo in unincorporated Williamson County, do not stop at the zone letter. Call 865-263-1400 or get a quote at http://asigtn.com/get-a-quote. Informational only — not a coverage, eligibility, or legal determination.
Frequently asked questions
What is LOMR 25-04-1944P, and when did it take effect?
LOMR 25-04-1944P is the FEMA Letter of Map Revision listed for the unincorporated areas of Williamson County in the Federal Register of January 29, 2026 (FR Doc. 2026-01745). The date of modification in that table is April 10, 2026. The community number is 470204. The docket is FEMA-2026-0002 / FEMA-B-2581. The notice does not list which buildings or units 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 policy is flood insurance. Standard property forms typically exclude flood. Review the master declarations page and the HO-6 alongside the revised FIRM — do not treat the letter as a coverage decision.
Is this the same map change as Farragut 25-04-2233P or Maury 25-04-6346P?
No. Farragut 25-04-2233P is the Town of Farragut, February 10, 2026, community 470387. Maury 25-04-6346P is unincorporated Maury County, April 2, 2026, community 470123. Williamson 25-04-1944P is unincorporated Williamson County, April 10, 2026, community 470204. The Texas Williamson / Round Rock row on the same table is community 481048 and is not this case.
What does Tenn. Code Ann. § 66-27-413 require the assoc iation to insure?
To the extent reasonably available, property insurance on the common elements for no less than 80 percent of replacement cost after deductibles, exclusive of land, excavations, foundations, and other items normally excluded from property policies, plus liability insurance on the common elements. In buildings with horizontal unit boundaries, that property insurance shall include the units to the extent reasonably available, but need not include owner-installed improvements and betterments.
Does an HO-6 or the master policy cover flood?
Usually not. Flood is typically excluded from standard condo and homeowners forms. TEMA’s NFIP page states that most homeowners insurance does not cover flood damage and that flood insurance is a separate policy. A master flood policy, if the association bought one, is not automatically contents or unit-interior coverage for every owner. NFIP new-policy waiting periods are typically 30 days, with limited exceptions.
How do I look up an unincorporated Williamson County unit on the FEMA Map Service Center?
Use the Map Service Center advance-search portal cited in the January 29 notice: https://msc.fema.gov/portal/advanceSearch. Search the address or parcel, use community number 470204, and compare the map effective before April 10, 2026, with the revised panel. Revised information may also be inspected at Williamson County Engineering, 1320 West Main Street, Franklin, TN 37064. Engineering: (615) 790-5809. Do not use 470204 for a unit inside a city.
Where can I inspect the revised maps in person?
The January 29 notice lists the community map repository as Williamson County Engineering, 1320 West Main Street, Franklin, TN 37064. The county lists Engineering in Suite 400 of that building, (615) 790-5809, 8:00 a.m. to 4:30 p.m. Appeals or reconsideration requests during the 90-day window after the second local-newspaper publication go through the community’s chief executive officer, named in the notice as Mayor Rogers Anderson, Suite 125.
Sources
- Changes in Flood Hazard Determinations (FR Doc. 2026-01745)
- FEMA Map Service Center — Advance Search
- Williamson County Engineering
- Tenn. Code Ann. § 66-27-413 — Insurance
- National Flood Insurance Program (TEMA)
- Buy a Flood Insurance Policy — NFIP waiting period
- FEMA Mapping and Insurance eXchange (FMIX)
Or call All Seasons Insurance Group at 865-263-1400.
