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Chatham County, GA Environmental Rules: Flood Zones (2026)

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

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

Key Facts

Governing law
Flood Damage Prevention Ordinance, Sec. 24-101 et seq.
Permit required
Development permit before any SFHA activity
Pre-permit step
FDPO Approval Letter from the Administrator
Elevation threshold
Flood-resistant materials below 3 ft above BFE
Vent sizing
1 sq in net area per sq ft of enclosed area
Max penalty
$1,500 fine, 30 days jail, per violation per day

Summary

Chatham County requires a development permit before any land-disturbing or construction activity in a Special Flood Hazard Area, plus an FDPO Approval Letter for parcels in the SFHA. New and substantially improved structures must be anchored, built with flood-resistant materials and elevated or floodproofed above the Base Flood Elevation.

These county ordinances apply to unincorporated areas of Chatham County. Incorporated cities within the county may have their own rules that take precedence over county-level regulations.

24-114 Establishment of Development Permit. A development permit shall be required in conformance with the provisions of this ordinance prior to the commencement of any development activities. 24-116 General Standards... 2. The entire residential structure: ... d. Shall utilize flood damage-resistant materials, components, or systems for all areas not situated three feet above the BFE

Full Breakdown

Under the county's Flood Damage Prevention Ordinance, Code Sec. 24-114, a development permit is required in conformance with the ordinance before any development activity begins in a Special Flood Hazard Area (SFHA). Sec. 24-115 requires applicants who want to develop, alter, repair or improve parcels or structures in the SFHA to submit a complete FDPO Review Application packet and obtain an FDPO Approval Letter from the Administrator before applying for the development permit itself; any change to the project after that letter issues must be resubmitted for approval.

Sec. 24-116's General Standards then govern construction: the entire residential or non-residential structure must comply if any portion sits in the SFHA, must meet the more restrictive standard where multiple Base Flood Elevation (BFE) lines apply, must be anchored against flotation, collapse or lateral movement, and must use flood damage-resistant materials for all areas not elevated at least three feet above the BFE. Enclosures below that three-foot threshold need engineered flood openings, at least two vents on opposing walls sized to one square inch of net area per square foot of enclosed floor area, with vent bottoms no higher than one foot above grade, to equalize hydrostatic pressure during flooding.

The Administrator (Chatham County Engineering) reviews permit applications, obtains FEMA and DNR base flood and floodway data, records elevation certificates, and makes substantial-damage and substantial-improvement determinations after flood events. Coastal High Hazard Areas, including Coastal A and V zones, face additional construction standards under Sec. 24-121. Records and FIS/FIRM maps are kept at the Department of Engineering, 124 Bull Street, Savannah.

Violations & Fines

Sec. 24-113 makes any failure to comply with the ordinance, including violating conditions of a variance or special exception, a violation. The Administrator issues a Notice of Violation (NOV) or Stop Work Order (SWO); a posted SWO halts all site activity until the violation is corrected. An NOV recipient must submit a corrective action plan within five business days and complete it within forty-five business days. Civil penalties reach $1,500 per violation, up to 30 days imprisonment, or both, with each day of continued violation a separate offense, plus all costs and expenses of the case.

Frequently Asked Questions

Do I need a permit to build in a Chatham County flood zone?
Yes. Sec. 24-114 requires a development permit before any development activity begins in a Special Flood Hazard Area, and Sec. 24-115 requires an FDPO Approval Letter from the Administrator before you can even apply for that permit.
How high above the base flood elevation must my structure be?
Sec. 24-116 requires flood damage-resistant materials, components or systems for any area not situated at least three feet above the Base Flood Elevation, on both residential and non-residential structures.
What happens if I build in the floodplain without complying?
The Administrator can post a Stop Work Order halting all site work or issue a Notice of Violation requiring a corrective action plan within five business days. Sec. 24-113 sets penalties up to $1,500 and 30 days in jail per violation, with each day counted separately.
Are enclosed areas below my elevated house allowed?
Yes, if engineered with flood openings under Sec. 24-116(4): at least two vents on opposing or adjacent walls sized to one square inch per square foot of enclosed area, with vent bottoms no higher than one foot above grade.

Sources & Official References

Other rules in Chatham County

All Chatham County rules

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