Chatham County, GA Environmental Rules: Flood Zones (2026)
FEMA flood zone rules in Chatham County, GA, also called floodplain regulations or special flood hazard area (SFHA) rules, determine flood insurance requirements and elevation standards for new construction.
Key Facts
- Governing law
- Flood Damage Prevention Ordinance, Sec. 24-101 et seq.
- Permit required
- Development permit before any SFHA activity
- Pre-permit step
- FDPO Approval Letter from the Administrator
- Elevation threshold
- Flood-resistant materials below 3 ft above BFE
- Vent sizing
- 1 sq in net area per sq ft of enclosed area
- Max penalty
- $1,500 fine, 30 days jail, per violation per day
Summary
Chatham County requires a development permit before any land-disturbing or construction activity in a Special Flood Hazard Area, plus an FDPO Approval Letter for parcels in the SFHA. New and substantially improved structures must be anchored, built with flood-resistant materials and elevated or floodproofed above the Base Flood Elevation.
24-114 Establishment of Development Permit. A development permit shall be required in conformance with the provisions of this ordinance prior to the commencement of any development activities. 24-116 General Standards... 2. The entire residential structure: ... d. Shall utilize flood damage-resistant materials, components, or systems for all areas not situated three feet above the BFE
Full Breakdown
Under the county's Flood Damage Prevention Ordinance, Code Sec. 24-114, a development permit is required in conformance with the ordinance before any development activity begins in a Special Flood Hazard Area (SFHA). Sec. 24-115 requires applicants who want to develop, alter, repair or improve parcels or structures in the SFHA to submit a complete FDPO Review Application packet and obtain an FDPO Approval Letter from the Administrator before applying for the development permit itself; any change to the project after that letter issues must be resubmitted for approval.
Sec. 24-116's General Standards then govern construction: the entire residential or non-residential structure must comply if any portion sits in the SFHA, must meet the more restrictive standard where multiple Base Flood Elevation (BFE) lines apply, must be anchored against flotation, collapse or lateral movement, and must use flood damage-resistant materials for all areas not elevated at least three feet above the BFE. Enclosures below that three-foot threshold need engineered flood openings, at least two vents on opposing walls sized to one square inch of net area per square foot of enclosed floor area, with vent bottoms no higher than one foot above grade, to equalize hydrostatic pressure during flooding.
The Administrator (Chatham County Engineering) reviews permit applications, obtains FEMA and DNR base flood and floodway data, records elevation certificates, and makes substantial-damage and substantial-improvement determinations after flood events. Coastal High Hazard Areas, including Coastal A and V zones, face additional construction standards under Sec. 24-121. Records and FIS/FIRM maps are kept at the Department of Engineering, 124 Bull Street, Savannah.
Violations & Fines
Sec. 24-113 makes any failure to comply with the ordinance, including violating conditions of a variance or special exception, a violation. The Administrator issues a Notice of Violation (NOV) or Stop Work Order (SWO); a posted SWO halts all site activity until the violation is corrected. An NOV recipient must submit a corrective action plan within five business days and complete it within forty-five business days. Civil penalties reach $1,500 per violation, up to 30 days imprisonment, or both, with each day of continued violation a separate offense, plus all costs and expenses of the case.
Frequently Asked Questions
Do I need a permit to build in a Chatham County flood zone?
How high above the base flood elevation must my structure be?
What happens if I build in the floodplain without complying?
Are enclosed areas below my elevated house allowed?
Sources & Official References
Other rules in Chatham County
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