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Cameron County, TX Environmental Rules: Flood Elevation Requirements (2026)

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

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

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?
The lowest finished floor must sit at least 12 inches above the Base Flood Elevation, or 24 inches above the highest adjacent natural grade if that figure is higher, under Article 5, Section A of the county's Flood Damage Prevention and Building Regulations.
Who has to certify the flood elevation of a new home?
A registered professional engineer, architect, or land surveyor must submit a certification to the Cameron County Floodplain Administrator confirming the lowest floor meets Article 5, Section B's elevation standard, tied to the permit process in Article 4, Section C.1.
Can a commercial building be floodproofed instead of elevated?
Yes. Article 5, Section B lets nonresidential construction stay below the base flood elevation if it is designed watertight, with walls and structural components certified by a licensed engineer or architect to resist hydrostatic and hydrodynamic forces during flooding, with the certification kept on file by the Floodplain Administrator.

Sources & Official References

Other rules in Cameron County

All Cameron County rules

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