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Bowling Green, KY Environmental Rules: Flood Zones (2026)

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

FEMA flood zone rules in Bowling Green, KY, 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 a Special Flood Hazard Area
Administrator
City-County Planning Commission Executive Director
Freeboard requirement
Lowest floor 1.5 ft above base flood elevation
Permit lifespan
Expires after 180 days if unstarted
FIS basis
Warren County Flood Insurance Study, May 2, 2007
Violation type
Civil offense, Chapter 27 penalties

Summary

In the City of Bowling Green, Kentucky, no one may grade, fill, build or otherwise develop land inside a FEMA-mapped Special Flood Hazard Area without first obtaining a Development Permit from the Floodplain Administrator. New or substantially improved homes must be elevated 1.5 feet above the base flood elevation, and violations carry civil penalties.

28-3.03 Establishment of Development Permit. ... A Development Permit shall be required in conformance with the provision of this Chapter prior to the commencement of any development activities in the special flood hazard areas (SFHA). ... 28-3.09 Penalties. Violation of the provisions of this Chapter or failure to comply with any of its requirements, including violation of conditions and safeguards established in connection with granting of a variance or special exceptions, shall be subject to the civil penalties set out in Chapter 27 of the Code of Ordinances, specifically listed under penalties, Zoning Ordinance/Subdivision Regulations, Violation of General Development Standards. ... 28-5.02 Specific Standards. In all special flood hazard areas where base flood elevation data have been provided, the following provisions are required: a. Residential Construction. New construction or substantial improvement of any residential structure (or manufactured home) shall have the lowest floor, including basement, mechanical equipment and ductwork elevated no lower than one and a half (1.5) feet above the base flood elevation.

Full Breakdown

Chapter 28 of the Bowling Green Code of Ordinances, Flood Damage Prevention, was created in its entirety by Ord. BG2007-13 (April 17, 2007) and amended most recently by Ord. BG2025-22 (September 16, 2025). It applies citywide to every Special Flood Hazard Area (SFHA) mapped on the Warren County Flood Insurance Study dated May 2, 2007, and its accompanying Flood Insurance Rate Maps, per Sec. 28-3.02. Before any development activity begins in an SFHA, the property owner must obtain a Development Permit on forms furnished by the Floodplain Administrator (Sec.

28-3.03). The Board of Commissioners designates the Executive Director of the City-County Planning Commission, at 1141 State Street, as the Floodplain Administrator (Sec. 28-4.01). Applications must show proposed elevations relative to Mean Sea Level, and for non-residential flood-proofed structures, a certification from a registered professional engineer or architect (Sec. 28-4.02). Once the lowest floor is placed, the permit holder must submit an elevation certification before construction continues; failure to do so allows the Administrator to issue a stop-work order (Sec. 28-4.02(b), 28-4.03(b)(6)(7)). New construction or substantial improvement of a residential structure or manufactured home must have its lowest floor, including basement and mechanical equipment, elevated at least 1.5 feet above the base flood elevation (Sec.

28-5.02(a)). A floodplain construction permit expires if construction has not started within 180 calendar days of issuance (Sec. 28-4.03(b)(10)). The Administrator may revoke a permit for misrepresentation or noncompliance and may enter premises to inspect after presenting credentials or, if refused, after securing an inspection warrant (Sec. 28-4.03(b)(6),(8)).

Violations & Fines

Developing, building, filling or grading in a mapped Special Flood Hazard Area without a permit, or violating any permit condition, is a civil offense under Sec. 28-3.08. Enforcement proceedings are initiated by a notice of violation or citation from the Floodplain Administrator or another code official under Chapter 2 procedures. Violators face the civil penalties set out in Chapter 27 of the Code under the heading Violation of General Development Standards (Sec. 28-3.09), and the Administrator can additionally take other lawful action, including stop-work orders, to prevent or remedy the violation.

Frequently Asked Questions

Do I need a permit to build in a Bowling Green flood zone?
Yes. Sec. 28-3.03 requires a Development Permit from the Floodplain Administrator before any development activity, including grading, filling or construction, begins in a mapped Special Flood Hazard Area.
How high above the flood elevation must a new home be built?
Sec. 28-5.02(a) requires the lowest floor, including the basement and mechanical equipment, of new or substantially improved residential structures to be elevated at least 1.5 feet above the base flood elevation.
What happens if I build without a floodplain permit in Bowling Green?
It is a civil offense under Sec. 28-3.08. The Floodplain Administrator issues a notice of violation or citation, and violators face the civil penalties listed in Chapter 27 under Violation of General Development Standards per Sec. 28-3.09.
Who administers Bowling Green's flood damage prevention chapter?
The Board of Commissioners designated the Executive Director of the City-County Planning Commission, located at 1141 State Street, as the Floodplain Administrator under Sec. 28-4.01.

Sources & Official References

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