FEMA flood zone rules in Aurora, IL β also called floodplain regulations or special flood hazard area (SFHA) rules β determine flood insurance requirements and elevation standards for new construction.
Aurora has significant Fox River floodplain areas. All development in the 100-year floodplain requires a permit. Flood insurance is mandatory for properties with federally-backed mortgages in flood zones. The city participates in the NFIP.
Aurora straddles the Fox River, creating significant floodplain areas throughout the city. The Engineering Division manages floodplain compliance. All development within the 100-year floodplain (new buildings, filling, excavation, fences) requires a floodplain development permit. Properties in FEMA-designated flood zones with federally regulated mortgages must carry flood insurance through the National Flood Insurance Program (NFIP). If improvement or repair costs exceed 50% of market value, the entire building must be brought to current floodplain standards. Aurora participates in the NFIP Community Rating System for reduced insurance premiums. Kane County provides additional floodplain mapping resources.
Unpermitted floodplain development: stop-work order, fines, and forced compliance. NFIP violations: insurance penalties.
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