FEMA flood zone rules in Chattanooga, TN — also called floodplain regulations or special flood hazard area (SFHA) rules — determine flood insurance requirements and elevation standards for new construction.
Chattanooga participates in FEMA's National Flood Insurance Program. The city faces flood risk from the Tennessee River, Chickamauga Creek, and tributaries running through its valleys.
Chattanooga's floodplain management regulations control development in FEMA flood zones. The city faces significant flood risk from the Tennessee River, Chickamauga Creek, South Chickamauga Creek, and numerous smaller tributaries. The Chickamauga Dam and TVA system provide some flood control. Properties in Special Flood Hazard Areas must meet elevation requirements with the lowest floor at or above the base flood elevation. Substantial improvements must be brought into compliance. Flood insurance is required for federally backed mortgages in SFHA areas.
Building in flood zones without proper permits results in fines, insurance denial, and increased rates.
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See how Chattanooga's flood zones rules stack up against other locations.
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