FEMA flood zone rules in Cambridge, MA β also called floodplain regulations or special flood hazard area (SFHA) rules β determine flood insurance requirements and elevation standards for new construction.
Cambridge participates in the National Flood Insurance Program and enforces a Flood Plain Overlay District covering FEMA Special Flood Hazard Areas along the Charles River and Alewife Brook.
FEMA Flood Insurance Rate Maps (FIRMs) delineate Special Flood Hazard Areas (Zones AE, A, and others) in Cambridge, primarily along the Charles River and the Alewife Brook watershed. The city's Flood Plain Overlay District in the Zoning Ordinance requires that new construction and substantial improvements in these areas elevate the lowest floor above Base Flood Elevation (BFE), typically with freeboard of 1 to 2 feet. Building permits require flood elevation certificates. Federally-backed mortgages in SFHAs mandate flood insurance. Cambridge also publishes its own Climate Change Vulnerability Assessment showing expanded future flood risk areas beyond current FEMA maps. Check FEMA Map Service Center and the city's climate resilience portal for your parcel.
Contact your local code enforcement office for specific penalty information.
Cambridge, MA
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Cambridge, MA
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Cambridge, MA
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Side-by-side rule comparisons with other cities in Middlesex County.
See how other cities in Middlesex County handle flood zones.
See how Cambridge's flood zones rules stack up against other locations.
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