Flood Zones: Belmont vs Lowell
How do flood zones rules compare between Belmont, MA and Lowell, MA?
Belmont and Lowell have similar restriction levels.
Belmont, MA
Middlesex County
FEMA FIRMs govern flood zones. Construction in Special Flood Hazard Areas must meet the MA State Building Code 780 CMR and local floodplain bylaws.
View full Belmont rules →Lowell, MA
Middlesex County
Lowell lies along the Merrimack and Concord Rivers with extensive FEMA Special Flood Hazard Areas, and all construction in those zones must meet the Massachusetts Floodplain Overlay and NFIP standards.
View full Lowell rules →Key Facts Comparison
| Fact | Belmont | Lowell |
|---|---|---|
| Maps | FEMA FIRM | - |
| Code | 780 CMR App G | - |
| Elevation | Lowest floor at BFE | - |
| Program | NFIP | - |
| Cert needed | Elevation Certificate | - |
| Primary river | - | Merrimack River |
| Freeboard | - | 1 foot above BFE |
| Historic floods | - | 1936, 1987, 2006, 2007 |
| Insurance | - | Required in SFHA |
Highlighted rows indicate differences between cities.
Belmont FAQ
How do I check my flood zone?
Look up your address on the FEMA Flood Map Service Center or call your city or town engineer.
Is flood insurance required?
It is required for federally backed mortgages on properties in SFHAs.
Lowell FAQ
How do I check if my Lowell property is in a flood zone?
Use the FEMA Flood Map Service Center at msc.fema.gov and enter your address; also confirm with Lowell Development Services.
Can I build an addition in a Lowell flood zone?
Yes if it meets the Floodplain Overlay standards including elevation above BFE plus 1 foot of freeboard and flood-resistant materials.
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