FEMA flood zone rules in Snohomish County, WA — also called floodplain regulations or special flood hazard area (SFHA) rules — determine flood insurance requirements and elevation standards for new construction.
Snohomish County regulates development in special flood hazard areas (SFHAs) under Snohomish County Code Chapter 30.65, which incorporates the National Flood Insurance Program (NFIP) minimum standards adopted on March 15, 1984. The chapter applies to FEMA-mapped 1%-annual-chance floodplains shown on the FIS and FIRMs dated June 19, 2020, including the Stillaguamish River (mouth to RM 11.1), Snohomish River, and Puget Sound shorelines. The Washington Shoreline Management Act (RCW 90.58) and the county's Shoreline Master Program impose additional setbacks within 200 feet of shorelines of statewide significance.
SCC 30.65.030 expressly adopts the NFIP minimum floodplain management standards, making the chapter a prerequisite for the county's continued NFIP eligibility. SFHAs are mapped on the Snohomish County FIS dated June 19, 2020 and the corresponding FIRMs - they include floodways, density fringe areas, and Zone A/AE/AO/V areas along the Stillaguamish (between the mouth and approximately river mile 11.1, per Corps of Engineers study E-2-10-138 as modified by the county), the Snohomish River, the Skykomish/Snoqualmie tributaries, and Puget Sound coastal V zones. SCC 30.65.110 (general floodproofing) and 30.65.120 (specific floodproofing) require new and substantially improved residential structures in AE/A zones to have the lowest floor (including basement) elevated to or above the base flood elevation (BFE) plus county freeboard, with non-residential structures elevated or dry-floodproofed to that level. SCC 30.65.240 governs the density fringe area, restricting cumulative increases in BFE to no more than one foot to protect agricultural use of prime farmland in floodplains. New residential development is prohibited in the regulatory floodway under SCC 30.65, and no development may cause any rise in BFE in the floodway. SCC 30.50.412 ties Residential Code permit submittals to the flood hazard provisions. Snohomish County is also a Shoreline Management Act jurisdiction under RCW 90.58 - shorelines of statewide significance include Puget Sound and major rivers, and a Shoreline Substantial Development Permit is required for most development within 200 feet of the ordinary high water mark, in addition to floodplain compliance. FEMA-required elevation certificates, floodplain development permits, and substantial-damage/substantial-improvement determinations are issued by Snohomish County PDS Floodplain Management.
Violations of SCC 30.65 are enforced by Snohomish County PDS under SCC Title 30 code enforcement, with civil penalties, stop-work orders, and required restoration to pre-violation conditions. Construction without a floodplain development permit, or that fails substantial-improvement/substantial-damage tracking, can jeopardize the county's NFIP standing and the property's NFIP flood insurance. Federal Disaster Mitigation Act consequences include denial of federal disaster assistance for non-compliant structures. Shoreline Management Act violations (RCW 90.58.210) carry separate civil penalties of up to $1,000 per day per violation enforced by the Department of Ecology.
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