Cameron County, TX Environmental Rules: Flood Elevation Requirements (2026)
Key Facts
- Freeboard height
- 12 in. above Base Flood Elevation
- Alternate standard
- 24 in. above highest adjacent natural grade
- Certifier required
- Registered engineer, architect, or surveyor
- Administered by
- Floodplain Administrator (Cameron County Engineer)
- Governing section
- Art. 5, Section A & B
Summary
New homes and substantial improvements in a Cameron County flood hazard area must sit at least 12 inches above the base flood elevation, or 24 inches above the highest adjacent natural grade if that number is higher. A licensed engineer, architect or surveyor must certify the finished floor to the Floodplain Administrator.
All structures, being new construction or substantial improvements, within a flood prone area or flood hazard area must comply with the following requirements: 1. The lowest finished floor elevation shall be 12" above the Base Flood Elevation (BFE), estimated BFE, or the depth number specified in feet on Cameron County's FIRM, or it shall be twenty-four inches (24") above the highest adjacent natural grade, whichever is higher; ... New construction and substantial improvement of any residential structure shall have the lowest floor (including basement), elevated to or above the base flood elevation. A registered professional engineer, architect, or land surveyor shall submit a certification to the Floodplain Administrator that the standard of this subsection is in compliance with Article 4, Section C.1.
Full Breakdown
Article 5, Section A of the county's Flood Damage Prevention and Building Regulations sets the freeboard every new structure or substantial improvement in a flood prone or flood hazard area must clear. The lowest finished floor has to sit at least 12 inches above the Base Flood Elevation shown or estimated on Cameron County's Flood Insurance Rate Map, or 24 inches above the highest adjacent natural grade, whichever works out higher. Builders can reach that elevation with fill, a raised foundation, or piles and columns.
Section B then layers on a certification requirement for residential construction: the lowest floor, including any basement, must be elevated to or above the base flood elevation, and a registered professional engineer, architect or land surveyor has to submit a certification to the Floodplain Administrator confirming the finished floor meets that standard, cross-referenced to Article 4, Section C.1's permit procedure. The Floodplain Administrator, a role the Cameron County Engineer holds under Article 4, Section A, keeps that certification on file and reviews it before signing off on the project.
Nonresidential buildings get an alternative path: instead of elevating the lowest floor, they can be floodproofed watertight below the base flood level with structural components rated for hydrostatic and hydrodynamic loads, again certified by a licensed engineer or architect and recorded with the Floodplain Administrator.
Violations & Fines
Building below the required elevation without a variance risks permit revocation and the same enforcement Cameron County applies to any unpermitted or noncompliant floodplain construction: fines under Article 4, Section J.5 of up to $100.00 per day, capped at $2,500.00, plus contempt of the Commissioners Court under Section K. A property built low can also lose eligibility for federal disaster assistance if FEMA is notified of the violation.
Frequently Asked Questions
How high above flood level must a house be built in unincorporated Cameron County?
Who has to certify the flood elevation of a new home?
Can a commercial building be floodproofed instead of elevated?
Sources & Official References
Other rules in Cameron County
Texas rules heatmap·Compare Cameron County to another location·View the Texas environmental rules overview
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