Chelsea, MA Environmental Rules: Flood Zones (2026)
FEMA flood zone rules in Chelsea, MA, also called floodplain regulations or special flood hazard area (SFHA) rules, determine flood insurance requirements and elevation standards for new construction.
Key Facts
- FIRM panels
- 25025C0017J/18J/19J, dated 3/16/2016
- Flood zones covered
- A, AE, AH, AO, A99, V, VE
- Prohibited use
- mobile homes and mobile home parks
- Floodway encroachment
- barred absent engineer's no-rise certification
- Review filing
- 15 copies filed with city clerk
Summary
Chelsea's Floodplain Overlay District (FOD) layers over every underlying zoning district and covers all FEMA-mapped special flood hazard areas (zones A, AE, AH, AO, A99, V, VE) shown on the city's Flood Insurance Rate Map, per Code of Ordinances § 34-184. Development there must meet the state building code's floodplain provisions, and mobile homes and mobile home parks are banned outright.
(a)Scope and purpose. ... This section applies to the Floodplain Overlay District (FOD). The purposes of the FOD are to ensure public safety through reducing the threats of life and personal injury; eliminate new hazards to emergency response officials; prevent the occurrence of public emergencies resulting from water quality, contamination, and pollution due to flooding ... (b)Floodplain district boundaries and base flood elevation and floodway data. The floodplain district is herein established as an overlay district. The floodplain district includes all special flood hazard areas within the city designated as zone A, AE, AH, AO A99, V, or VE on the county flood insurance rate map (FIRM) issued by the Federal Emergency Management Agency (FEMA) for the administration of the National Flood Insurance Program. ... (g)General standards. In all areas of special flood hazard, the following standards are required: ... (3)The placement of mobile homes and mobile home parks and subdivisions is prohibited.
Official source re-checked September 7, 2026: no newer edition of the code had been published (publisher’s edition: Code of Ordinances: Supplement 26).
Full Breakdown
Section 34-184 states its purpose plainly: reduce threats to life and personal injury, avoid new hazards for emergency responders, prevent flood-driven contamination emergencies, protect utility service, and cut the costs of flood response, cleanup and property damage. The district's boundaries track FEMA's Flood Insurance Rate Map panels 25025C0017J, 25025C0018J and 25025C0019J, dated March 16, 2016, and cover special flood hazard zones A, AE, AH, AO, A99, V and VE. c. 131, § 40 as well as the state building code's (780 CMR) floodplain and coastal high-hazard provisions and the state's wetlands, inland wetlands, coastal wetlands and subsurface sewage disposal regulations.
Low-impact uses like farming, forestry, outdoor recreation, wildlife conservation and foot or bicycle paths are encouraged if they don't require structures, fill or material storage. General standards require new water supply systems to minimize flood-water infiltration and flatly prohibit placing mobile homes, mobile home parks or subdivisions anywhere in the district. In a designated floodway, encroachments including fill, new construction and substantial improvements are barred unless a registered professional engineer certifies the work won't raise flood levels during the 100-year flood. Review runs through the city clerk, who circulates 15 filed copies to the board of health, conservation commission, building inspector, department of public works, emergency management, fire, police and planning board.
Violations & Fines
Placing a mobile home in the FOD, or building in the floodway without an engineer's no-rise certification, violates § 34-184(g)(3) and § 34-184(i)(1). Because the FOD sits within Chapter 34, noncompliant development is also barred from the building permit required under § 34-209(a), and the chapter's general penalty at § 34-211 backs enforcement with a $300 fine per offense, assessed for each day the violation continues.
Frequently Asked Questions
What is Chelsea's Floodplain Overlay District?
Can I put a mobile home in a Chelsea flood zone?
Can I build in Chelsea's regulatory floodway?
Sources & Official References
Other rules in Chelsea
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Flood Zones in Nearby Cities
How other cities in this county handle flood zones.