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Bloomfield, NJ Environmental Rules: Flood Zones (2026)

Significant Restrictions
Compiled from the official code textEditor Martyn O'NeillLast verified October 2026

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

Key Facts

NFIP participation
Accepted August 15, 1977
Adopted FEMA study
Essex County, New Jersey (All Jurisdictions), April 3, 2020
State flood hazard area
Every regulated water draining 50 acres or greater
Floodplain Administrator
Township Engineer
Maps on file
Engineering Department, 1 Municipal Plaza
Base fine cap
Not more than $1,250 under § 250-8

Summary

In Bloomfield Township, Essex County, New Jersey, flood hazard areas come from the FEMA Flood Insurance Study dated April 3, 2020, adopted by reference in § 250-11, plus state-regulated areas along every water with a drainage area of 50 acres or greater. Any development in a flood hazard area needs a permit from the Floodplain Administrator.

The Township of Bloomfield was accepted for participation in the National Flood Insurance Program on August 15, 1977. ... Because of these higher standards, the regulated flood hazard area in New Jersey may be more expansive and more restrictive than the FEMA special flood hazard area. Maps and studies that establish flood hazard areas are on file at the Engineering Department, 1 Municipal Plaza, Bloomfield, New Jersey 07003. ... Special flood hazard areas (SFHAs) identified by the Federal Emergency Management Agency in a scientific and engineering report entitled "Flood Insurance Study, Essex County, New Jersey (All Jurisdictions)" dated April 3, 2020, and the accompanying Flood Insurance Rate Maps (FIRM) identified in Table 11(1) whose effective date is April 3, 2020, are hereby adopted by reference. ... A FHACA flood hazard area exists along every regulated water that has a drainage area of 50 acres or greater. Such area may extend beyond the boundaries of the special flood hazard areas (SFHAs) as identified by FEMA.

Full Breakdown

Chapter 250 of the Bloomfield Township Code, adopted by the Township Council on June 26, 2023 by Ord. No. 23-32, builds on § 250-11. The Township was accepted into the National Flood Insurance Program on August 15, 1977. The effective flood insurance study is titled Flood Insurance Study, Essex County, New Jersey (All Jurisdictions), dated April 3, 2020, and its Flood Insurance Rate Map panels, listed in Table 11(1), are adopted by reference. Most panels carry an April 3, 2020 effective date, while panels 34013C0114 and 34013C0118 are listed with June 4, 2007.

FEMA is not the only map. Section 250-11 also requires use of federal best available information and other best available data such as high water elevations and groundwater flooding areas, and that other information cannot produce less restrictive elevations, design standards or smaller flood hazard areas. State-regulated flood hazard areas under the Flood Hazard Area Control Act exist along every regulated water with a drainage area of 50 acres or greater, and they can extend beyond the FEMA boundaries. Table 11(3) lists state studied waters in Bloomfield: the Second River, the Second River Tributary and the Third River. The maps and studies are on file at the Engineering Department, 1 Municipal Plaza, Bloomfield, New Jersey 07003.

Under § 250-13 the Township Engineer is the Floodplain Administrator. Section 250-29 requires anyone intending any development in a flood hazard area to apply to the Floodplain Administrator first. Floodway encroachment needs an engineer's no-rise certification under § 250-22, new development in riverine areas with design flood elevations but no floodway must not raise the design flood elevation more than 0.2 foot under § 250-21, and development in riparian zones is prohibited under § 250-25 unless NJDEP permitting is in place. The Zoning Board of Adjustment hears variances under § 250-42.

Violations & Fines

Section 250-8 makes a violation of Chapter 250 punishable by one or more of a fine of not more than $1,250, imprisonment not exceeding 90 days, or community service not exceeding 90 days. Each day is a separate violation, with a thirty-day opportunity to cure or abate, after which a larger fine can be imposed. A repeat offense within one year draws an additional fine. Unlawful solid waste disposal in a floodway or floodplain draws up to $2,500, or a fine up to $10,000 under N.J.S.A. 40:49-5, under § 250-8.1.

Frequently Asked Questions

Which flood maps apply in Bloomfield Township?
Section 250-11 adopts by reference the Flood Insurance Study, Essex County, New Jersey (All Jurisdictions), dated April 3, 2020, and its Flood Insurance Rate Maps listed in Table 11(1). It also requires use of federal best available information, other best available data, and New Jersey state-regulated flood hazard areas, whichever is more restrictive.
Can a property be regulated for flooding even outside the FEMA zone?
Yes. Section 250-11 states that a Flood Hazard Area Control Act flood hazard area exists along every regulated water that has a drainage area of 50 acres or greater, and that area can extend beyond the special flood hazard areas FEMA identifies. The state studied waters listed for Bloomfield are the Second River, its tributary and the Third River.
Do I need a permit to build in a flood hazard area?
Yes. Section 250-29 requires any person, owner or authorized agent who intends to conduct any development in a flood hazard area to apply to the Floodplain Administrator and obtain the required permit first. Depending on the work, a floodplain development permit or approval can be required in addition to a building permit.
Where can I see the flood maps?
The maps and studies that establish flood hazard areas are on file at the Engineering Department, 1 Municipal Plaza, Bloomfield, New Jersey 07003. The Township Engineer serves as Floodplain Administrator under § 250-13, and § 250-27 requires the Administrator to keep flood records available for public inspection.

Sources & Official References

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