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Howard County, MD Environmental Rules: Flood Elevation Requirements (2026)

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

Key Facts

Freeboard, residential
2 ft above 100-yr flood elevation
Freeboard, nonresidential
2 ft, or certified floodproofing
New construction in floodplain
barred, narrow exceptions only
Certification required
FEMA elevation cert. Form 086-0-33
Governing code
Howard County Building Code § 3115

Summary

Substantially improved homes and buildings in a Howard County floodplain must raise their lowest floor, including any basement, at least 2 feet above the 100-year flood elevation. Building Code Section 3115.3.1 sets that freeboard for residential structures, and Section 3115.3.2 lets nonresidential buildings floodproof instead, if every point below that elevation is watertight.

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

3115.3 Substantial improvements within a designated floodplain shall meet the standards set forth in this subsection and Title 16, Subtitle 7 of the Howard County Code. 3115.3.1. Residential. The lowest floor, including a basement, of substantial improvements to existing nonconforming residential structures located within a designated floodplain shall be elevated to at least 2 feet above the 100-year flood elevation. 3115.3.2. Nonresidential. The lowest floor, including a basement, of substantial improvements to existing nonconforming nonresidential structures shall be elevated to at least 2 feet above the 100-year flood elevation or shall be designed so that any area of the building which is lower than 2 feet above the 100-year flood elevation...is watertight with walls substantially impermeable to the passage of water and with structural components having the capability of withstanding applicable hydrostatic, hydrodynamic, impact, soil, and, when applicable, hurricane and tidal wave loading conditions.

View official code

Official source re-checked September 7, 2026: no newer edition of the code had been published (publisher’s edition: Code of Ordinances: Supplement 91 | Zoning: Supplement 25).

Full Breakdown

Howard County's Building Code adds Section 3115, Floodplain, directly after the International Building Code's Section 3114, and Section 3115.3 sets the elevation standard for substantial improvements to existing nonconforming structures located within a designated floodplain. Section 3115.3.1 requires the lowest floor of a residential structure, basement included, to be elevated to at least 2 feet above the 100-year flood elevation, the county's freeboard margin above the base flood elevation used on FEMA's maps. Section 3115.3.2 gives nonresidential buildings an alternative: floodproof rather than elevate, provided any part of the building below that same 2-foot mark is watertight, with walls substantially impermeable to water and structural components able to withstand the hydrostatic, hydrodynamic, and, where relevant, hurricane and tidal-wave loads described in the Army Corps of Engineers' floodproofing standard and Section 16.705(c) of the County Code.

The Building Code treats new construction in a designated floodplain more strictly than substantial improvements: Section 3115.2.1 bars new residential or nonresidential construction from occurring within a designated floodplain at all, with narrow exceptions for a destroyed nonconforming structure rebuilt on the same footprint within 12 months, and for transportation, utility, and open-deck improvements approved by the Department of Public Works. Adjacent to, rather than within, a designated floodplain, Section 3115.5 applies the same 2-foot freeboard or floodproofing standard.

Elevation compliance is not optional paperwork. The floodproofing-by-elevation option requires the owner to submit a FEMA elevation certificate, Form 086-0-33, completed by a professional engineer or licensed Maryland land surveyor certifying the as-built lowest floor is elevated at least 2 feet above the 100-year floodplain elevation, filed before foundation approval by the Building Official.

Violations & Fines

A substantially improved structure whose lowest floor sits below the 2-foot freeboard mark, without an engineer-certified floodproofing alternative, fails Building Code Section 3115 inspection and cannot receive foundation approval from the Building Official. New construction placed inside a designated floodplain outside the narrow exceptions in Section 3115.2.1 is barred outright, and enforcement runs through the same floodplain permit and stop-work powers in Title 16, Subtitle 7 of the County Code.

Frequently Asked Questions

How high above flood level does my house have to be built in Howard County?
If your home is a substantial improvement to an existing nonconforming structure inside a designated floodplain, Building Code Section 3115.3.1 requires the lowest floor, including any basement, to be elevated at least 2 feet above the 100-year flood elevation.
Can a business floodproof instead of elevating in a Howard County floodplain?
Yes, for nonresidential buildings. Section 3115.3.2 allows floodproofing instead of elevation, but any part of the building below the 2-foot freeboard mark must be watertight, with walls and structural components built to the Army Corps of Engineers' floodproofing standard referenced in Section 16.705(c).
Can I build a brand-new house inside a Howard County floodplain?
Generally no. Section 3115.2.1 bars new residential or nonresidential construction within a designated floodplain, with narrow exceptions for rebuilding a destroyed nonconforming structure on the same footprint within 12 months, or for county-approved transportation and utility improvements.

Sources & Official References

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