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Merced County, CA Environmental Rules: Flood Zones (2026)

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

FEMA flood zone rules in Merced County, CA, also called floodplain regulations or special flood hazard area (SFHA) rules, determine flood insurance requirements and elevation standards for new construction.

Key Facts

Permit required
before any development in flood hazard area
Governing maps
FEMA FIRM dated Aug. 2, 1995
Floodplain administrator
Director, Community & Economic Development
No-rise standard
max 1 ft rise in base flood elevation
Violation penalty
misdemeanor
Appeal path
Board of Supervisors

Summary

Any construction, fill, or land-disturbing activity within Merced County's mapped special flood hazard areas needs a floodplain development permit from the Community and Economic Development Department before work begins. The county's floodplain administrator reviews site plans, elevation data, and FEMA flood insurance maps, and building without a permit is a misdemeanor.

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

A development permit shall be obtained before any construction or other development begins within any area of special flood hazard established in Section 18.26.030(B) (General Provisions: Basis for Establishing the Areas of Special Flood Hazard)... The proposed development does not adversely affect the carrying capacity of areas where base flood elevations have been determined but a floodway has not been designated. For purposes of this chapter, "adversely affects" means that the cumulative effect of the proposed development when combined with all other existing and anticipated development will increase the water surface elevation of the base flood more than one foot at any point.

View official code

Official source re-checked September 7, 2026: no newer edition of the code had been published (publisher’s edition: rev 4930839; v8 updated 2026-06-02).

Full Breakdown

030(A) applies the county's flood hazard chapter to all areas of special flood hazard shown on the FEMA Flood Insurance Study and Flood Insurance Rate Maps dated August 2, 1995, as amended, which are on file at 2222 M Street with the Community and Economic Development Department. 040(A), a development permit must be obtained before any construction or other development begins in a mapped flood hazard area, and the application must include a site plan with spot ground elevations at building corners, the location of water supply and sewer utilities, the base flood elevation if available, and the location of any regulatory floodway.

040(C)(1)(d). Applicants who alter or relocate a watercourse must notify neighboring jurisdictions and the state Department of Water Resources before starting work and send evidence of that notice to FEMA. Every applicant must pay a floodplain management fee before the county issues the building permit, and any watercourse alteration is billed a deposit set by the floodplain administrator. 030(C)(1) makes clear that building or developing in a flood hazard area without an issued permit, or in conflict with one, is a violation, and a structure lacking documented lowest-floor elevation is presumed non-compliant until the paperwork is produced.

Violations & Fines

Developing in a mapped flood hazard area without a floodplain development permit, or in conflict with one that was issued, violates § 18.26.030(C)(1) and constitutes a misdemeanor. The floodplain administrator can serve a notice of violation or a stop-work order on the property owner, the owner's agent, or whoever is doing the work, and anyone who keeps working after being served is subject to further penalties under § 18.26.030(C)(3). Appeals of the floodplain administrator's decisions go to the Board of Supervisors.

Frequently Asked Questions

Who administers Merced County's floodplain rules?
The Director of the Community and Economic Development Department, acting as floodplain administrator under § 18.26.040(B), reviews and grants or denies every development permit application within a mapped special flood hazard area of the county.
What maps define the flood hazard area?
Section 18.26.030(B) adopts FEMA's Flood Insurance Study and Flood Insurance Rate Maps dated August 2, 1995, plus all later amendments, as the basis for the special flood hazard boundaries; the maps are on file at 2222 M Street.
Can new fill or construction raise flood levels for neighbors?
No. Under § 18.26.040(C)(1)(d), the floodplain administrator must find that a project, combined with other existing and anticipated development, will not raise the base flood elevation more than one foot at any point.
What happens if I build without the floodplain permit?
The floodplain administrator can issue a stop-work order or notice of violation, and § 18.26.030(C)(1) makes unpermitted or non-conforming development a misdemeanor; continuing work after being served brings additional penalties under § 18.26.030(C)(3).

Sources & Official References

Other rules in Merced County

All Merced County rules

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