Flood risks change over time, and new maps will likely result in changes to SFHA boundaries. The boundaries might increase to include properties that were previously in low- or moderate-risk zones, or they might decrease to exclude properties that were previously in high-risk zones. These changes will impact community development. The most direct impact on an affected homeowner will be changes in flood insurance rates and requirements. A Federal flood insurance requirement applies to structures in SFHAs that carry a mortgage backed by a federally regulated lender or servicer. Flood insurance rates are lower in areas of low- or moderate-risk, but flooding can still occur in these areas. Therefore, FEMA recommends flood insurance coverage, even if it is not required by law or lender.