Flood Zones: Garfield vs Hackensack
How do flood zones rules compare between Garfield, NJ and Hackensack, NJ?
Garfield and Hackensack have similar restriction levels.
Garfield, NJ
Bergen County
Garfield Chapter 146 Flood Damage Prevention regulates construction in special flood hazard areas, requiring anchoring, Uniform Construction Code compliance, and variance review with penalties up to $2,000 per violation.
View full Garfield rules →Hackensack, NJ
Bergen County
Hackensack regulates development in flood hazard areas under Chapter 89 of the City Code, originally adopted December 6, 1982 and amended in its entirety on August 20, 2019. The chapter implements the National Flood Insurance Program (NFIP), the New Jersey Flood Hazard Area Control Act (N.J.S.A. 58:16A-50 et seq. / N.J.A.C. 7:13), and Uniform Construction Code flood provisions for properties along the Hackensack River and adjacent areas.
View full Hackensack rules →Key Facts Comparison
| Fact | Garfield | Hackensack |
|---|---|---|
| Code Chapter | Chapter 146 Sections 1-88 | - |
| Maximum Fine | $2,000 per violation | - |
| Maximum Jail | 90 days | - |
| Required Standard | Anchored construction | - |
| Reference Code | Uniform Construction Code | - |
| Local Ordinance | - | Hackensack Code Ch. 89 (adopted 12/6/1982; amended 8/20/2019) |
| State Law | - | Flood Hazard Area Control Act, N.J.S.A. 58:16A-50 |
| State Rules | - | N.J.A.C. 7:13 (NJDEP) |
| Federal Program | - | NFIP / FEMA FIRMs |
| Cumulative Rise Limit | - | 0.2 ft above base flood (no designated floodway) |
| Anchoring | - | Required for all new construction and substantial improvements |
Highlighted rows indicate differences between cities.
Garfield FAQ
What permits do I need to build in a Garfield flood zone?
Construction in special flood hazard areas requires a development permit under Chapter 146 plus Uniform Construction Code permits. All structures must be anchored and meet flood-resistant design standards.
What happens if I violate Garfield's flood ordinance?
Violators face fines up to $2,000, imprisonment up to 90 days, or both, for each violation. The city may also order removal or modification of noncompliant construction.
Hackensack FAQ
How do I find out if my Hackensack property is in a flood zone?
Look up the address on the FEMA Flood Map Service Center to view the current FIRM panel. Chapter 89 of the Hackensack Code applies to any property within a Special Flood Hazard Area shown on those maps.
Do I need both a city and a state permit?
Often, yes. Local floodplain development permits are issued under Chapter 89, but development that affects regulated waters or flood hazard areas may also require a permit from NJDEP under the Flood Hazard Area Control Act and N.J.A.C. 7:13.
Compare other topics
See how Garfield and Hackensack compare on other ordinance categories.
Want to add a third city?
Use our full comparison tool to compare up to three cities.
Open Comparison Tool