Environmental Rules in Horn Lake, MS (2026)

Flood Zones

Horn Lake participates in the FEMA National Flood Insurance Program (NFIP) and enforces a Flood Damage Prevention Ordinance through Chapter 18 of the Code of Ordinances. The city sits in the Coldwater River watershed; Horn Lake Creek, Cow Pen Creek, and Rocky Creek are mapped sources of riverine flooding. Federal NFIP rules at 44 CFR Parts 59-60 set baseline standards: lowest floor at or above the Base Flood Elevation, anchoring, manufactured-home tie-downs, and a 50% substantial improvement / damage rule. The current DeSoto County Flood Insurance Study (FEMA panel 28033C) governs map data; verify your flood zone via msc.fema.gov.