FEMA flood zone rules in Boone County, MO β also called floodplain regulations or special flood hazard area (SFHA) rules β determine flood insurance requirements and elevation standards for new construction.
Boone County participates in the National Flood Insurance Program (NFIP) and administers floodplain rules under Section 22 of the Boone County Zoning Ordinance, which incorporates FEMA Flood Insurance Rate Maps. Building in the regulatory floodway is broadly prohibited (only certain agricultural pass-through structures are allowed). Structures in the floodplain fringe must be elevated or flood-proofed above Base Flood Elevation. Boone County also adopted a Stream Buffer Ordinance (effective June 1, 2009) and a Stormwater Ordinance (effective April 15, 2010). Major flood-prone areas include the Missouri River corridor and the 88.5-square-mile Hinkson Creek watershed.
Authority: Mo. Rev. Stat. Ch. 64 and Boone County Zoning Ordinance Section 22 (Floodplain). All building permit applications in unincorporated Boone County are checked against the FEMA flood maps to determine the location of any proposed structure relative to the regulatory floodplain. Floodway: building is generally prohibited; agricultural structures may be permitted if designed to allow flood waters to pass through. Floodplain Fringe (Special Flood Hazard Area outside the floodway): residential structures must have the lowest floor elevated to or above the Base Flood Elevation (BFE), and non-residential structures may be elevated or dry/wet flood-proofed to BFE. Substantial improvements (defined under NFIP as repairs/improvements equal to or exceeding 50% of market value) trigger full compliance with current floodplain rules. Boone County also administers a Stream Buffer ordinance (passed May 2009, effective June 1, 2009) restricting disturbance within buffers along streams, and a Stormwater ordinance (passed Feb 2, 2010, effective April 15, 2010). Flood-prone corridors include the Missouri River along the southern county line, Perche Creek, Cedar Creek, and Hinkson Creek (26 miles long, draining 88.5 square miles entirely within Boone County). Property owners can use the Boone County Floodplain Information Viewer to check flood zone status.
Building or filling in the regulatory floodway without authorization, or constructing in the floodplain fringe below BFE, is a violation of Section 22 of the Zoning Ordinance and federal NFIP rules. Resource Management can issue stop-work orders, withhold certificates of occupancy, and refer violations to the Prosecuting Attorney for misdemeanor prosecution and civil injunctive relief. Non-compliant structures jeopardize the property owner's NFIP flood insurance eligibility and may force the County to suspend community NFIP participation, raising premiums countywide. Each day a violation continues may be treated as a separate offense.
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