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Chicopee, MA Environmental Rules: Flood Zones (2026)

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

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

Key Facts

Mapped area
Zone A and Zone AE on the Hampden County FIRM
Map and study date
July 16, 2013
Floodway
All new construction and fill prohibited
Anchoring
Structures, vehicles and vessels fully anchored against flotation and currents
Excluded use
Mobile homes and mobile home parks
Enforcing official
Building Commissioner
Fine
Up to $200 per violation

Summary

In the City of Chicopee, Massachusetts, § 275-64 creates a Floodplain Overlay District covering Zone A and Zone AE areas on the Hampden County flood map. All new construction and fill in the floodway is prohibited, and every structure must be fully anchored against flotation and currents.

A. Purpose. The purpose of the Floodplain District is to promote sound management and appropriate use of land subject to periodic flooding; to protect the public health and safety of persons and property against the hazards of flooding; and to ensure the City's compliance with the rules and regulations of the Federal Insurance Administration so as to assure the City's continued eligibility for participation in the National Flood Insurance Program. ... (1) The Floodplain District is herein established as an overlay district. The district includes all special flood hazard areas within the City of Chicopee designated as Zone A or Zone AE on the Hampden County Flood Insurance Rate Map (FIRM) issued by the Federal Emergency Management Agency (FEMA) for the administration of the National Flood Insurance Program. ... (1) All new construction, substantial improvement or other development, including fill, is prohibited in the floodway. ... (2) Any permitted structures and any portable structures, vehicles or vessels which are permitted shall be fully anchored against both flotation and currents.

Full Breakdown

In the City of Chicopee, Massachusetts, § 275-64 of the Zoning Ordinance sets up the Floodplain Overlay District, which sits on top of every other zoning district. The district covers all special flood hazard areas in the city designated Zone A or Zone AE on the Hampden County Flood Insurance Rate Map issued by FEMA. The map panels and the Hampden County Flood Insurance Study report are dated July 16, 2013, and both are on file with the Department of Planning and Development. The stated purposes are sound management of land subject to periodic flooding, protection of public health and safety, and keeping the City eligible for the National Flood Insurance Program.

Every development in the district, structural or not and whether allowed by right or by special permit, must comply with MGL c. 131, § 40, the floodplain and coastal high hazard sections of the Massachusetts State Building Code (780 CMR), the DEP Wetlands Protection Regulations (310 CMR 10:00), the Inland Wetlands Regulations (310 CMR 13:00) and Title 5 (310 CMR 15). A variance from those state rules can be granted only under the state variance procedures.

Permitted uses are conservation of soil, water, plants and wildlife; outdoor recreation such as play areas, nature study, boating, fishing and hunting where otherwise legally permitted; foot, bicycle or horse paths and bridges that do not affect the natural flow pattern of any watercourse; agriculture of all types; forestry, landscaping, lawns and fences; and uses allowed in the underlying district, except mobile homes and mobile home parks.

A building permit for construction or substantial improvement in the district is granted only on conditions. All new construction, substantial improvement or other development, including fill, is prohibited in the floodway, though boat marinas and other accessory water recreation uses are allowed if they do not raise the base flood level or impede the flow of the one-hundred-year flood. Permitted structures and portable structures, vehicles or vessels must be fully anchored against both flotation and currents. No development starts until all necessary local, state and federal permits are obtained and evidence of them is submitted to the Building Commissioner. New and replacement water supply and sewage systems must be designed to minimize or eliminate floodwater infiltration, and on-site waste disposal systems must be located to avoid contamination during flooding.

Before any alteration or relocation of a watercourse, the Planning Director or Development Manager must notify adjacent communities, the Pioneer Valley Planning Commission, state agencies including the Massachusetts Department of Conservation and Recreation, and FEMA Region 1. The alteration cannot diminish the flood-carrying capacity of the watercourse.

Violations & Fines

Under Chicopee Code § 275-19, any person or corporation violating a provision of the Zoning Ordinance can be fined up to but not more than $200 for each violation, levied by the Building Commissioner and appealable under § 275-8. Under § 275-5, the Building Commissioner refuses a permit for any construction or alteration that would violate the chapter, and § 275-64E bars development until the required permits and evidence reach the Building Commissioner.

Frequently Asked Questions

Which parts of Chicopee are in the Floodplain Overlay District?
The district includes all special flood hazard areas within the City of Chicopee designated as Zone A or Zone AE on the Hampden County Flood Insurance Rate Map issued by FEMA. The map and the Flood Insurance Study report are dated July 16, 2013, and both are on file with the Department of Planning and Development.
Can I build or fill in a Chicopee floodway?
No. Section 275-64D(1) prohibits all new construction, substantial improvement or other development, including fill, in the floodway. Boat marinas and other accessory uses to water recreation are the only exception, and they must not raise the base flood level or impede the flow of the one-hundred-year flood.
What state rules apply on top of Chicopee's floodplain district?
All development in the district must comply with MGL c. 131, § 40, the floodplain sections of the Massachusetts State Building Code (780 CMR), the Wetlands Protection Regulations at 310 CMR 10:00, the Inland Wetlands Regulations at 310 CMR 13:00 and Title 5 at 310 CMR 15. Variances follow the state procedures only.
What uses are permitted in the Chicopee floodplain district?
Conservation, outdoor recreation, foot, bicycle and horse paths and bridges, agriculture of all types, forestry, landscaping, lawns and fences, and uses allowed in the underlying district are permitted. Mobile homes and mobile home parks are excluded, and everything remains subject to the building permit conditions in § 275-64D through G.
What permits are needed before developing in the Chicopee floodplain?
Section 275-64E provides that no development takes place until all necessary local, state and federal permits have been obtained and evidence of them has been submitted to the Building Commissioner. Projects also go through site plan review, with seven copies of the site plan submitted to the Department of Planning and Development.

Sources & Official References

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