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Elko County, NV Environmental Rules: Flood Zones (2026)

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

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

Key Facts

Permit required
Before construction or development begins in a special flood hazard area
Flood study adopted
Flood Insurance Study For The County Of Elko, March 16, 1992
Permit office
Elko County department of community development, 155 South Ninth Street
Violation notice
Letter within 30 days; 45 days to correct
Floodway fill
Prohibited unless a technical evaluation shows no flood level increase
Variance and appeal body
Elko County planning commission, then district court

Summary

In unincorporated Elko County, Nevada, no construction or development can begin inside an area of special flood hazard without a development or building permit from the county's department of community development. The permit application must show elevations, fill, drainage and any watercourse changes. Chapter 4-13 of the Elko County Code carries the rules.

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

4-13-4-1: ESTABLISHMENT OF DEVELOPMENT PERMIT: ... A development or building permit shall be obtained before construction or development begins within any area of special flood hazard established in section 4-13-3-2 of this chapter. Application for a development or building permit shall be made on forms furnished by the Elko County department of community development and may include, but not be limited to: a duplicate set of plans in proper scale showing the nature, location, dimensions, NGVD elevation or topography of the area in question, base flood elevation of the area, existing or proposed structures with proposed finish floor elevations, fill, storage of materials, drainage facilities; and the location of the foregoing. ... (D) Description of the extent to which any watercourse will be altered or relocated as a result of proposed development;

Full Breakdown

Chapter 4-13, Flood Damage Prevention, applies under § 4-13-3-1 to all areas of special flood hazards within the jurisdiction of the county of Elko. An area of special flood hazard is land subject to a one percent (1%) or greater chance of flooding in any given year, shown on the FIRM as zone A, AO, AH, A1-30 or AE. Section 4-13-3-2 adopts the Flood Insurance Study For The County Of Elko, dated March 16, 1992, with its flood insurance rate map, and keeps it on file at the department of community development, 155 South Ninth Street, Elko, NV 89801.

Under § 4-13-3-3 no structure or land can be constructed, located, extended, converted or altered without full compliance with the chapter. The permit rule in § 4-13-4-1 asks for plans showing NGVD elevation or topography, the base flood elevation, proposed finish floor elevations, fill, storage of materials and drainage facilities, plus a description of any watercourse that will be altered or relocated. The Board of County Commissioners designates the Elko County floodplain administrator, who grants or denies each permit under § 4-13-4-2. That administrator reviews every proposal of five (5) parcels or more so that flood discharge leaving the development is equal to or less than the discharge before development.

Floodway encroachments, including fill and new construction, are prohibited under § 4-13-5-1(C)3 unless a technical evaluation shows no increase in flood levels during the base flood discharge. Section 4-13-5-2 prohibits storing or processing materials that are buoyant, flammable, explosive or injurious to life in time of flooding. The zoning code adds an FP Flood Plain District in § 4-7-4, where the Planning Commission can require a use permit.

Violations & Fines

Under § 4-13-7, the floodplain administrator sends the owner a letter within thirty (30) days of discovering a violation. The owner has forty five (45) days from receipt to correct it or have a plan of corrections approved. If neither happens, the administrator submits a declaration for denial of flood insurance to the federal insurance administration under section 1316 of the national flood insurance act of 1968. A structure without an elevation certificate is presumed in violation.

Frequently Asked Questions

Do I need a permit to build in a mapped flood zone in unincorporated Elko County?
Yes. Section 4-13-4-1 requires a development or building permit before construction or development begins within any area of special flood hazard. Application forms come from the Elko County department of community development, and the floodplain administrator grants or denies the permit under § 4-13-4-2.
What information does the flood permit application ask for?
The application can include plans in proper scale showing nature, location, dimensions, NGVD elevation or topography, base flood elevation, proposed finish floor elevations, fill, storage of materials and drainage facilities. It must state the lowest floor elevation, any floodproofing elevation and how any watercourse will be altered or relocated.
Can I get a variance from the flood rules?
The Elko County planning commission hears variance requests and appeals under § 4-13-6-1. Anyone aggrieved by its decision can appeal to the fourth judicial district court. Section 4-13-6 warns that FEMA does not recognize variances, so insurance rates are left to the individual insurance company or broker.
Who maintains the flood maps?
The Flood Insurance Study and its flood insurance rate map are adopted by reference in § 4-13-3-2 and kept on file with the department of community development. When county base flood elevations change, § 4-13-4-4 requires the county to send the technical data to FEMA not later than six months after it becomes available.

Sources & Official References

Other rules in Elko County

All Elko County rules

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