FEMA flood zone rules in Clarksville, TN — also called floodplain regulations or special flood hazard area (SFHA) rules — determine flood insurance requirements and elevation standards for new construction.
Clarksville participates in the NFIP and regulates development in FEMA-designated flood zones. The Cumberland River and Red River create significant flood hazard areas. New construction in SFHAs must meet strict elevation requirements.
Clarksville's floodplain regulations require new construction in FEMA-designated Special Flood Hazard Areas to meet elevation and floodproofing standards. The Cumberland River, Red River, and their tributaries create flood hazard areas throughout the city. The lowest floor of residential structures must be at or above the base flood elevation. Montgomery County maintains flood maps. Flood insurance is required for federally-backed mortgages in SFHAs. The Clarksville-Montgomery County Regional Planning Commission reviews development in flood zones.
Building in flood zones without proper permits and elevation certificates violates local and federal regulations. Non-compliant structures may be denied flood insurance.
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See how Clarksville's flood zones rules stack up against other locations.
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