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Commerce City, CO Environmental Rules: Flood Zones (2026)

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

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

Key Facts

District
FP Floodplain Overlay District
Reviewing official
Floodplain Administrator
Prohibited
new residential and commercial buildings
Permit required
floodplain development permit (Sec. 21-3213)
Source maps
FEMA Flood Insurance Study for Adams County
Governing section
LDC Sec. 21-4400

Summary

Commerce City's Floodplain Overlay District (FP), created under Land Development Code Sec. 21-4400, adopts FEMA's Flood Insurance Study and maps for Adams County, bars new residential and commercial buildings from the floodplain outright, and requires a floodplain development permit from the city's floodplain administrator for the limited nonresidential uses it does allow.

(1)Description, Purpose and Intent. This district includes all special flood hazard areas and areas removed from the floodplain by the issuance of a FEMA Letter of Map Revision Based on Fill (LOMR-F) within the jurisdiction of the city. The special flood hazard areas identified by the Federal Emergency Management Agency in the most current edition of the scientific and engineering report entitled, "The Flood Insurance Study for Adams County," with accompanying Flood Insurance Rate Maps and/or Flood Boundary-Floodway Maps (FIRM and/or FBFM) and any revisions thereto, are hereby adopted by reference and declared to be a part of this Code. ... The purpose of this district is to promote public health and minimize losses due to flood. ... (4)Exclusions. The following uses are prohibited in the floodplain overlay district:(a)Residential buildings and structures; and(b)Commercial buildings and structures.

Full Breakdown

Sec. 21-4400 creates the FP Floodplain Overlay District covering all special flood hazard areas identified by FEMA's Flood Insurance Study for Adams County and its accompanying Flood Insurance Rate Maps, along with areas removed from the floodplain by a FEMA Letter of Map Revision Based on Fill. The district's purpose is to promote public health and minimize flood losses. Agricultural uses that don't require structures, such as general farming and raising livestock or nursery stock, are allowed by right in the floodway fringe if the underlying zoning permits them.

A short list of other uses, including public and private recreational facilities, utility lines and pipelines, wildlife and nature preserves, regional detention or water quality facilities, and certain flood-resistant fencing, can occur in the floodway fringe only with a floodplain development permit issued under Sec. 21-3213 by the city's floodplain administrator. Sec. 21-4400(4) flatly prohibits both residential buildings and structures and commercial buildings and structures anywhere in the floodplain overlay district. Within the floodway itself, Sec. 21-4400(8) bars essentially all encroachments, fill, construction, and substantial improvements unless the applicant demonstrates through hydrologic and hydraulic engineering analysis that the work will not raise flood levels anywhere in the city during a base flood event.

The floodplain administrator reviews permit applications against criteria in Sec. 21-3213(3), including whether the applicant has obtained all other federal, state, and local permits and whether the proposed use minimizes disturbance to the floodplain's natural topography.

Violations & Fines

Commencing construction, development, or storage of materials in the floodplain overlay district without a floodplain development permit, or building a prohibited residential or commercial structure there, violates Sec. 21-3213(1) and Sec. 21-4400(4). Enforcement runs through Sec. 21-10060 to the municipal code's Sec. 1-3003 general penalty, a misdemeanor punishable by a fine up to the C.R.S. Section 13-10-113 cap or up to 364 days in jail, in addition to any abatement costs.

Frequently Asked Questions

Can I build a house in Commerce City's floodplain?
No. Sec. 21-4400(4) flatly prohibits residential buildings and structures anywhere in the Floodplain Overlay District, and commercial buildings and structures are barred too. Only a limited list of nonresidential, non-building uses like recreational facilities, utility lines, and flood-resistant fencing may occur there, and only with an approved floodplain development permit.
What map does Commerce City use to define the floodplain?
The city adopts FEMA's Flood Insurance Study for Adams County and its accompanying Flood Insurance Rate Maps and Flood Boundary-Floodway Maps by reference under Sec. 21-4400(1), including any areas later removed from the floodplain by a FEMA Letter of Map Revision Based on Fill.
Who reviews a floodplain development permit application?
The city's floodplain administrator reviews floodplain development permit applications under Sec. 21-3213, weighing factors like whether the applicant has all other required federal, state, and local permits and whether flood-carrying capacity or the property's natural topography would be harmed by the proposed use.

Sources & Official References

Other rules in Commerce City

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Flood Zones in Nearby Cities

How other cities in Adams County handle flood zones.

Thornton, CO
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Westminster, CO
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