Flood Zones: Belmont vs Newton
How do flood zones rules compare between Belmont, MA and Newton, MA?
Belmont and Newton 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 →Newton, MA
Middlesex County
Newton participates in the NFIP with FEMA-mapped flood zones along the Charles River and Cheesecake Brook. Construction in AE zones requires lowest floor elevated 2 feet above base flood elevation.
View full Newton rules →Key Facts Comparison
| Fact | Belmont | Newton |
|---|---|---|
| Maps | FEMA FIRM | - |
| Code | 780 CMR App G | - |
| Elevation | Lowest floor at BFE | - |
| Program | NFIP | FEMA NFIP |
| Cert needed | Elevation Certificate | - |
| FIRM Update | - | 2021 |
| Freeboard | - | 2 ft above BFE |
| Substantial Improvement | - | 50% value |
| Major Flood Area | - | Charles River |
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.
Newton FAQ
How do I check if my property is in a flood zone?
Use the FEMA Flood Map Service Center (msc.fema.gov) or contact Newton ISD. Properties in AE zones require flood insurance if mortgaged and special elevation requirements for construction.
What is Newtons freeboard requirement?
Newton requires 2 feet of freeboard above the FEMA Base Flood Elevation for lowest floor of new construction, which exceeds the federal 1-foot minimum.
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