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Champaign, IL Environmental Rules: Flood Zones (2026)

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

FEMA flood zone rules in Champaign, IL, also called floodplain regulations or special flood hazard area (SFHA) rules, determine flood insurance requirements and elevation standards for new construction.

Key Facts

Permit trigger
any development in special flood hazard area
Building Safety Supervisor issues
permits for buildings/additions over $1,000
City Engineer issues
permits for all other development
Permit fee
$1 per $1,000 of cost, $10 minimum
Penalty
$1-$500 per day, Sec. 9-224

Summary

No one may start any development in a Champaign special flood hazard area without first obtaining a development permit under Section 9-231 of the Municipal Code. The Building Safety Supervisor issues permits for buildings and additions valued over $1,000; the City Engineer issues permits for every other kind of development, from grading to utility work.

No person shall commence any development in the special flood hazard area without first filing an application for a development permit and obtaining a development permit. The Building Safety Supervisor shall issue a development permit for the construction, reconstruction or placement of a building or an addition to a building valued at more than one thousand dollars ($1,000.00), provided the development meets the requirements of this article. The City Engineer shall issue development permits for all other developments which meet the requirements of this article. The City Engineer and the Building Safety Supervisor shall each provide an application for development permit appropriate to the development activities which each reviews and authorizes.

View official code

Official source re-checked September 7, 2026: no newer edition of the code had been published (publisher’s edition: Code of Ordinances: Supplement 80).

Full Breakdown

Section 9-231 requires a development permit before any 'development' begins in a special flood hazard area, defined broadly under Section 9-219 to include construction or additions valued over $1,000, mobile home installation, drilling, mining, utility and road work over $1,000, levees, walls, fences, filling, dredging, grading, excavating, and permanent material storage. The definition specifically excludes routine roof and road maintenance, repairs valued under 50 percent of the structure's market value, ordinary gardening and plowing, and exempt farm activity. The Building Safety Supervisor issues the permit for any building, addition, or reconstruction over $1,000 in value; the City Engineer issues permits for every other regulated activity.

Applications, per Section 9-232, must include sealed plans from a State-registered architect or engineer showing existing and proposed grade elevations relative to mean sea level, the lowest floor elevation of any structure, and, for nonresidential buildings, a certification that floodproofing meets the criteria in Section 9-252(2). Section 9-233 requires the reviewing official to confirm compliance with the floodway encroachment provisions of Section 9-253(1) and to compare the site's elevation against the base flood elevation before issuing. The permit fee, set in Section 9-234, is waived if another City permit fee already covers the work; otherwise it runs $1 per $1,000 of estimated development cost, with a $10 minimum.

Violations & Fines

Section 9-224 makes any violation of the floodplain article punishable by a fine of not less than $1 nor more than $500, with each day a violation continues or occurs counted as a separate offense. Developing in a special flood hazard area without the required permit, or against the elevation and floodproofing standards in the article, triggers this penalty independent of the Code's general Section 1-21 fine.

Frequently Asked Questions

Do I need a permit to build a fence or shed in a Champaign floodplain?
Yes. Section 9-219 defines 'development' to include construction or erection of levees, walls, fences, and structures valued over $1,000, and Section 9-231 requires a development permit for any development in a special flood hazard area before work begins.
Who issues Champaign's floodplain development permit?
It depends on the work. The Building Safety Supervisor issues the permit for the construction, reconstruction, or placement of a building or addition valued at more than $1,000; the City Engineer issues permits for every other regulated development activity, like grading, filling, or utility installation.
What's the fine for developing in a flood hazard area without a permit?
Section 9-224 sets the penalty at not less than $1 and not more than $500, and treats every day the violation continues as a separate offense. That's on top of having to bring the unpermitted development into compliance with the article's elevation and floodproofing standards.

Sources & Official References

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