How long do I have to appeal or comment on the proposed changes?

There is a statutory 90-day period for submitting technical information or appeals to FEMA.

Where can I view the proposed flood map changes?

View them on FEMA's flood maps website at https://www.floodmaps.fema.gov/fhm/BFE_Status/bfe_main.asp.

Public Hearing — Panama City (25-04-3979P)

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Affects:HomeownersProperty BuyersGovernment AgenciesGeneral Public

FEMA has proposed changes to flood hazard determinations for Panama City and unincorporated Bay County, which may alter flood zones, base flood elevations, and regulatory floodways; affected communities have a 90-day statutory period to review or appeal via FEMA's portal or FMIX phone line.

Key Takeaways

Proposed flood map changes affect Panama City and unincorporated Bay County
Changes may revise base flood elevations and Special Flood Hazard Areas
90-day statutory appeal period applies for submitting technical comments
Review materials on FEMA's flood map site or call 1-877-FEMA MAP

Published: May 10, 2026 · 1 week ago
Category: Public Hearing
City: Panama City
Case #

25-04-3979P

Research context

63 public hearing notices in Panama City (last 12 months)

View full case dossier

All filings for #25-04-3979P with AI case analysis

If you don't respond

If no comments or appeals are submitted within the 90-day statutory period, the proposed determinations can be finalized, changing floodplain rules and insurance requirements for properties.

What to do next

1
Review proposed determinations
Visit FEMA's BFE status page (https://www.floodmaps.fema.gov/fhm/BFE_Status/bfe_main.asp) to see the specific map and elevation changes.
2
Submit technical comments or appeals
Provide any technical information or appeals to FEMA within the 90-day statutory period specified in the notice.
3
Contact FMIX for assistance
Call 1-877-FEMA MAP (1-877-336-2627) for questions on maps, appeals, or documentation requirements.

Frequently asked questions

What area do these proposed flood hazard determinations cover?: They cover the City of Panama City and unincorporated areas of Bay County, Florida, per case 25-04-3979P.
How long do I have to appeal or comment on the proposed changes?: There is a statutory 90-day period for submitting technical information or appeals to FEMA.
Where can I view the proposed flood map changes?: View them on FEMA's flood maps website at https://www.floodmaps.fema.gov/fhm/BFE_Status/bfe_main.asp.
Who can I call for more information?: Call the FEMA Mapping and Insurance eXchange (FMIX) toll free at 1-877-FEMA MAP (1-877-336-2627).

The suggestions and answers above are AI-generated for general information only. They can be wrong, and we don't take responsibility for their accuracy. Talk to a qualified professional before acting on them.

Legal terms in this notice

Base Flood Elevation (BFE): The computed water-surface elevation for a flood having a 1% chance of occurring each year.
Letter of Map Revision (LOMR): An official FEMA letter that amends effective flood map information for a specific property or area.
Special Flood Hazard Area (SFHA): Area subject to a 1% annual flood risk, where flood insurance and building rules usually apply.
Regulatory floodway: Channel and adjacent land reserved to carry base flood waters without raising flood levels significantly.

Full Notice Text

DEPARTMENT OF HOMELAND SECURITY
 
FEDERAL EMERGENCY MANAGEMENT AGENCY
 
Proposed Flood Hazard Determinations for the City of Panama City and Unincorporated Areas of Bay County, Florida,  Case No. 25-04-3979P. The Department of Homeland Security's Federal Emergency Management Agency (FEMA) solicits technical information or comments on proposed flood hazard determinations for the Flood Insurance Rate Map (FIRM), and where applicable, the Flood Insurance Study (FIS) report for your community.  These flood hazard determinations may include the addition or modification of Base Flood Elevations, base flood depths, Special Flood Hazard Area boundaries or zone designations, or the regulatory floodway.  The FIRM and, if applicable, the FIS report have been revised to reflect these flood hazard determinations through issuance of a Letter of Map Revision (LOMR), in accordance with Title 44, Part 65 of the Code of Federal Regulations.  These determinations are the basis for the floodplain management measures that your community is required to adopt or show evidence of having in effect to qualify or remain qualified for participation in the National Flood Insurance Program.  For more information on the proposed flood hazard determinations and information on the statutory 90-day period provided for appeals, please visit FEMA's website at https://www.floodmaps.fema.gov/fhm/BFE_Status/bfe_main.asp, or call the FEMA Mapping and Insurance eXchange (FMIX) toll free at 1-877-FEMA MAP (1-877-336-2627).
May 3, 10 2026
LSAR0508272