Any house that can be shown to have been built in compliance with local floodplain management regulations and the map that was effective at the time of construction will continue to be considered complaint, even if the new map shows an increase in flood elevation or a chance to a more restrictive zone designation. However, should your house be substantially damaged (damage is 50% or more of the pre-damage market value) and you wish to repair it, you will be required to bring the entire structure to compliance with the zone designation and flood elevations shown on the map that is in effect at the time the repairs take place.
If the house is less than substantially damaged, you do not need to refer to the map when repairing damages. Please note, however, that there may be more stringent state or local requirements that take precedence over those stated here. Regardless of whether your house is substantially damaged, you will likely need a building permit to make repairs and therefore, will need to contact your local building official.