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Kendall County, IL Environmental Rules: Flood Elevation Requirements (2026)

Some Restrictions
Compiled from the official code textEditor Martyn O'NeillLast verified September 2026

Key Facts

Freeboard
Base flood elevation plus 2 feet (Sec. 16-52)
Garage standard
Elevated to at least 0.5 foot above BFE
Permit required
Stormwater permit from the Floodplain Administrator
BFE source
FEMA Flood Insurance Study dated January 8, 2014
Penalty
Up to $1,000 fine, each day a separate offense

Summary

In unincorporated Kendall County, any new construction or substantial improvement in the regulatory floodplain must have its lowest floor raised to the flood protection elevation: the base flood elevation (BFE) plus two feet of freeboard. Attached garages need only reach a half foot above BFE. The Floodplain Administrator enforces the standard under County Code Chapter 16.

These county ordinances apply to unincorporated areas of Kendall County. Incorporated cities within the county may have their own rules that take precedence over county-level regulations.

Flood protection elevation (FPE) means the elevation of the BFE, plus two (2) feet of freeboard for structures within the plan limits of the base flood elevation. ... The lowest floor, including basements, of all new construction and substantial improvements must have the lowest floor elevated to the FPE except nonresidential buildings may be dry-floodproofed up to the flood protection elevation instead of having the lowest floor elevated as noted in Subsection (c)(3) of this section. An attached garage for a structure must be elevated up to at least one-half (0.5) foot above the BFE.

Full Breakdown

Kendall County's floodplain ordinance (Kendall County Code Chapter 16, Article II, Subdivision IV) sets the base flood elevation (BFE) from the FEMA County-wide Flood Insurance Study of Kendall County dated January 8, 2014, covering panels such as 17093C0005G through 17093C0225H (Sec. 16-139). The county then adds a mandatory margin: the flood protection elevation (FPE) is the BFE plus two feet of freeboard, or, outside mapped plan limits, the higher of the water table or the 100-year design water surface plus two feet (Sec. 16-52). Under Sec.

16-140(c), every new building and every substantial improvement (work equal to or exceeding 50 percent of the structure's market value, figured cumulatively over a ten-year period) in the regulatory floodplain must have its lowest floor, including any basement, raised to the FPE. Nonresidential buildings may substitute dry-floodproofing up to the FPE instead of elevating, but only if a registered professional engineer certifies the design is watertight and self-operating without outside power. Attached garages get a lighter standard: elevation to at least one-half foot above the BFE rather than the full FPE.

Builders may reach the FPE by permanent fill placed in six-inch compacted lifts extending twenty feet beyond the foundation, structural elevation on piers or walls with flood vents sized at one square inch per square foot of enclosed area, or an engineered crawlspace no taller than four feet measured to the top of the foundation wall. Manufactured homes must be anchored under the Illinois Mobile Home Tie-Down Act. The Floodplain Administrator reviews every plan and elevation certificate before issuing the stormwater permit required for floodplain development.

Violations & Fines

Building below the required FPE without a Floodplain Administrator permit is a Code violation under Sec. 1-9: a fine of up to $1,000.00, with each continuing day treated as a separate offense. The Administrator can also issue a stop-work order and revoke an active permit until the lowest floor is corrected. Insufficient elevation can additionally disqualify a structure from NFIP flood insurance coverage.

Frequently Asked Questions

How much freeboard does Kendall County require above the base flood elevation?
Kendall County Code Sec. 16-52 defines the flood protection elevation as the base flood elevation plus two feet of freeboard for structures inside the mapped plan limits. Every new building and substantial improvement in the regulatory floodplain must have its lowest floor, including the basement, raised to that elevation before the Floodplain Administrator will issue a stormwater permit.
Can a garage be built lower than the rest of the house?
Yes. Sec. 16-140(c) sets a lighter standard for an attached garage: it must be elevated to at least one-half foot above the base flood elevation, not the full flood protection elevation that applies to habitable floors, though it still cannot be finished as living space.
What happens if a structure is built below the required elevation?
Building below the flood protection elevation without Floodplain Administrator approval violates the County Code and carries a fine of up to $1,000.00 under Sec. 1-9, with continuing violations counted day by day, plus possible stop-work orders, permit revocation and loss of NFIP flood insurance eligibility.

Sources & Official References

Other rules in Kendall County

All Kendall County rules

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