FEMA flood zone rules in Garland, TX — also called floodplain regulations or special flood hazard area (SFHA) rules — determine flood insurance requirements and elevation standards for new construction.
Garland regulates floodplain development under Article VII of Chapter 31 of the City Code (Flood Damage Prevention Ordinance). The city participates in the NFIP and enforces FEMA flood zone designations along Duck Creek, Rowlett Creek, and Lake Ray Hubbard shoreline areas. Construction in Special Flood Hazard Areas requires a floodplain development permit, and structures must be elevated above the base flood elevation.
Garland has significant FEMA-designated Special Flood Hazard Areas along Duck Creek, Rowlett Creek, Spring Creek, and areas near Lake Ray Hubbard on the city's eastern boundary. Flash flooding during North Texas spring and fall thunderstorms is common in low-lying creek areas. Properties in SFHAs require flood insurance with federally-backed mortgages. Garland participates in NFIP. New construction in flood zones requires elevation certificates and floodplain development permits. The city has invested in drainage improvements along major creek corridors to reduce flooding impacts. The Corridor Development Certificate (CDC) program through NCTCOG applies for Trinity River corridor development. Check FEMA flood maps at msc.fema.gov for specific property determinations.
Building in flood zone without permit: stop-work order. Non-compliant construction: mandatory retrofit.
Garland, TX
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Garland, TX
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Garland, TX
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Garland, TX
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Garland, TX
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Side-by-side rule comparisons with other cities in Dallas County.
See how other cities in Dallas County handle flood zones.
See how Garland's flood zones rules stack up against other locations.
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