FEMA flood zone rules in Burlington, KY β also called floodplain regulations or special flood hazard area (SFHA) rules β determine flood insurance requirements and elevation standards for new construction.
Kentucky requires state approval before any construction, fill, or obstruction within the 100-year floodplain or stream channel under KRS 151.250, administered by the Division of Water in addition to local NFIP floodplain ordinances.
KRS 151.250 requires written approval from the Energy and Environment Cabinet before constructing any structure, dam, levee, fill, or obstruction across or along any stream in Kentucky. The Division of Water Floodplain Management Section reviews applications using the regulatory flood elevation, ensuring no increase in flood heights and protection of flood storage. Communities participating in the National Flood Insurance Program must also adopt local floodplain ordinances meeting 44 CFR 60.3 minimums. State stream construction approval applies statewide regardless of NFIP participation, and local permits do not substitute for state authorization.
Building without state stream construction approval can lead to removal orders, civil penalties under KRS 151.990, and denial of flood insurance claims for noncompliant structures.
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