Boone County, IN Environmental Rules: Flood Zones (2026)
FEMA flood zone rules in Boone County, IN, 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 SFHA development, § 152.12
- Lowest floor standard
- 2 ft above base flood elevation, § 152.36(B)
- RV/trailer threshold
- 180+ days triggers flood standards, § 152.36(A)(4)
- Non-residential option
- Certified floodproofing to FPG, § 152.36(C)
- Penalty
- $100 to $2,500 per day, § 152.99
- Enforcing body
- Floodplain Administrator, Area Plan Commission
Summary
Unincorporated Boone County, Indiana requires a floodplain development permit before any building, filling, or grading in a special flood hazard area under Boone County Code § 152.12. New and substantially improved residential structures must hold their lowest floor at least two feet above the base flood elevation under § 152.36(B), and violators face daily fines enforced by the Area Plan Commission.
In all SFHAs, the following provisions are required: (A) In addition to the requirements of § 152.35, all structures to be located in the SFHA shall be protected from flood damage below the FPG. This building protection requirement applies to the following situations: ... (4) Installing a travel trailer or recreational vehicle on a site for more than 180 days; ... (B) Residential construction. New construction or substantial improvement of any residential structure (or manufactured home) shall have the lowest floor; including basement, at or above the FPG (two feet above the base flood elevation).
Full Breakdown
Boone County Code Chapter 152 governs development in the Special Flood Hazard Area (SFHA) in unincorporated Boone County, Indiana. Section 152.12 requires a floodplain development permit before the commencement of any development activity in the SFHA, and § 152.13 bars locating, extending, converting or structurally altering any structure there without full compliance with the chapter. The building protection requirement of § 152.36(A) reaches new structures over 400 square feet, additions or improvements costing 50% or more of the structure's value, repairs to a damaged structure costing 50% or more of its pre-damage market value, a manufactured home placed on a new site, and a travel trailer or recreational vehicle installed on a site for more than 180 days.
Under § 152.36(B), new or substantially improved residential structures, including manufactured homes, must have their lowest floor, including any basement, at or above the flood protection grade, defined as two feet above the base flood elevation. Non-residential structures may instead be floodproofed to that grade if a registered professional engineer or architect certifies the design under § 152.36(C). Recreational vehicles left on a site beyond 180 days must either be elevated and anchored like a manufactured home or remain fully licensed and ready for highway use under § 152.36(F)(5).
Fill placed under a structure must be compensated with an equivalent volume of excavation in the floodplain under § 152.35(K). Construction inside an identified floodway additionally needs a permit from the Indiana Department of Natural Resources under § 152.39 before the county issues a building permit. The Floodplain Administrator and Boone County Area Plan Commission administer these standards, and § 152.99 makes noncompliance a common nuisance.
Violations & Fines
Failing to obtain a floodplain development permit in the SFHA, or violating a permit's conditions or a variance, is a violation of Chapter 152 under § 152.99. Boone County treats every violation as a common nuisance and fines $100 to $2,500, with each day the violation continues counted as a separate offense. The Area Plan Commission notifies the owner that the violation is a willful act increasing flood damage, which can cause a standard flood insurance policy to be suspended.
Frequently Asked Questions
Do I need a permit to build in a Boone County flood zone?
How high must a house be built in Boone County's flood hazard area?
Can I keep an RV on my property in the flood hazard area?
What is the penalty for violating Boone County's flood hazard ordinance?
Sources & Official References
Other rules in Boone County
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