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Floyd County, IN Environmental Rules: Flood Zones (2026)

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

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

Key Facts

Waterway buffer
25 ft beyond FEMA flood plain, or 50 ft from bank
No-disturbance buffer
25 ft from top of waterway bank
Applies to
Waterways draining 25+ acres or blue-line streams
Restriction
No building or structure in buffer
Enforcing office
Floyd County Stormwater Management

Summary

Floyd County's post-construction stormwater ordinance bars new buildings and structures within a waterway buffer measured from the FEMA-mapped flood plain boundary, on top of a separate 25-foot no-disturbance buffer along waterway banks.

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

(2) The waterway buffer will be used to define areas where land disturbance activities shall be permitted, but construction of any building or structure shall not be permitted. ... (c) The waterway buffer shall be define as the area contained within a boundary established 25 feet beyond the flood plain boundary, as defined by FEMA, or 50 feet from top of waterway bank, as defined by geomorphic shape (not by the current water surface elevation), whichever is larger.

Full Breakdown

046(B) of the Floyd County Code requires every post-construction Stormwater Pollution Prevention Plan (SWPPP) to include buffer provisions tied to the FEMA flood plain. 046(B)(2), a waterway buffer defines an area where land-disturbing activity is allowed but construction of any building or structure is not permitted. 046(B)(2)(c) fixes that buffer as the area within a boundary set 25 feet beyond the FEMA-mapped flood plain boundary, or 50 feet from the top of the waterway bank measured by geomorphic shape rather than current water level, whichever distance is larger.

046(B)(2)(a). Automatic exemptions exist for roads and utilities crossing waterways and for pedestrian trails and walkways near waterways, provided erosion, sediment and water-quality controls are addressed. 046(B)(1), where grading, clearing and grubbing are barred outright, though pruning and partial vegetation removal are allowed. The waterway buffer must be at least as wide as the no-disturbance buffer where both apply, and the buffer area may still host water-quality devices if erosion and sediment controls are satisfied, as determined by the county. This chapter is administered by Floyd County Stormwater Management under Ordinance 2019-25.

Violations & Fines

Building within the mapped waterway buffer without county approval is enforced through Chapter 152's stormwater permitting and penalty framework: violations tied to post-construction requirements under Sections 152.025 through 152.032 carry a civil penalty of not more than $2,500 per offense under Section 152.999(B), and unresolved buffer violations can also be treated as a public nuisance subject to injunctive relief.

Frequently Asked Questions

Can I build within the floodplain buffer in unincorporated Floyd County?
No. Section 152.046(B)(2) bars construction of any building or structure within the waterway buffer, which Section 152.046(B)(2)(c) sets at 25 feet beyond the FEMA flood plain boundary or 50 feet from the top of the waterway bank, whichever is larger.
How is the Floyd County waterway buffer measured?
The buffer runs from whichever line sits farther out: 25 feet beyond the FEMA-mapped flood plain boundary, or 50 feet from the top of the waterway bank as defined by its geomorphic shape rather than the current water surface elevation.
Are any activities exempt from the Floyd County waterway buffer?
Yes. Section 152.046(B)(2)(b) allows automatic exemptions for roads and utilities crossing waterways and for pedestrian trails and walkways near waterways, as long as erosion, sediment and water-quality controls are still addressed.

Sources & Official References

Other rules in Floyd County

All Floyd County rules

Compare Floyd County to another location·View the Indiana environmental rules overview

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