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Boone County, IN Environmental Rules: Flood Zones (2026)

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

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

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?
Yes. Boone County Code § 152.12 requires a floodplain development permit before any development activity begins in a Special Flood Hazard Area in unincorporated Boone County, Indiana, and § 152.13 blocks locating, altering, or extending any structure there without full compliance with Chapter 152's requirements, including elevation and anchoring standards enforced by the Floodplain Administrator.
How high must a house be built in Boone County's flood hazard area?
Under § 152.36(B), a new or substantially improved residential structure, including a manufactured home, must have its lowest floor, including any basement, at or above the flood protection grade, which the ordinance sets at two feet above the base flood elevation. Solid foundation walls used to elevate the structure need flood-venting openings meeting § 152.36(D).
Can I keep an RV on my property in the flood hazard area?
Only if it stays under 180 days as a licensed, highway-ready vehicle, or meets the manufactured-home elevation and anchoring standards, per § 152.36(F)(5). Installing a travel trailer or recreational vehicle on a site for more than 180 days triggers the same flood protection requirements as new construction under § 152.36(A)(4).
What is the penalty for violating Boone County's flood hazard ordinance?
Boone County Code § 152.99 sets a fine of not less than $100 and not more than $2,500, with a separate offense for each day the violation continues. The Area Plan Commission also treats the violation as a willful act that increases flood damage risk, which can suspend the property's National Flood Insurance Program coverage.

Sources & Official References

Other rules in Boone County

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