FEMA proposes new requirements for communities in the National Flood Insurance Program, seeking comments

SALEM, Ore. (KTVZ) - FEMA is proposing new requirements for communities that participate in the National Flood Insurance Program.

The draft plan for Oregon shifts the NFIP’s focus to include protecting fish habitat in floodplains, in response to federal endangered species concerns.

The proposal includes a “no net loss” standard for floodplain development, meaning any new construction or changes within a floodplain would need to be offset elsewhere. The rules would affect 31 counties and 230 communities statewide.

FEMA says the proposed changes are meant to comply with the Endangered Species Act and better protect habitat while reducing long-term flood risks.

The group Oregonians for Floodplain Protection say the plan would add costly new requirements for development, potentially driving up construction expenses and local government costs.

Communities that choose not to adopt them risk losing eligibility for the National Flood Insurance Program, which would make residents ineligible for federal flood insurance and disaster assistance.

The deadline to submit written comments to FEMA is Monday, October 6, 2025, at 8:59 p.m. Public comments can be submitted through their website.