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Georgetown, TX Environmental Rules: Flood Zones (2026)

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

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

Key Facts

Basis for zones
FEMA FIS for Williamson County, 1990/2008 maps
Permit required
development permit for all SFHA activity
Floodway rule
encroachments barred absent no-rise study
Subdivision trigger
>10 lots or 2 acres needs BFE data
Appeal Board
Planning and Zoning Commission
Governing chapter
City Code Chapter 15.44, Articles III-V

Summary

Georgetown Chapter 15.44 governs all development within special flood hazard areas mapped on the FEMA-adopted Flood Insurance Study for Williamson County. A development permit is required before any structure, fill, or land alteration occurs, and encroachments into the regulatory floodway are prohibited absent an engineering study.

Sec. 15.44.030. - Lands to which this Chapter applies. This Chapter shall apply to all special flood hazard areas within the jurisdiction of the City of Georgetown, Texas. ... Sec. 15.44.190. - Floodways. ... Encroachments are prohibited, including fill, new construction, substantial improvements and other development within the adopted regulatory floodway unless it has been demonstrated through hydrologic and hydraulic analyses performed in accordance with standard engineering practice that the proposed encroachment would not result in any increase in flood levels within the community during the occurrence of the base flood discharge.

View official code

Official source re-checked September 7, 2026: no newer edition of the code had been published (publisher’s edition: Code of Ordinances: Supplement 32 | Unified Development Code: Supplement 15).

Full Breakdown

Sec. 030 applies the chapter to all special flood hazard areas within Georgetown's jurisdiction, and Sec. 040 adopts by reference the FEMA Flood Insurance Study for Williamson County, Texas and Incorporated Areas, dated September 28, 1990, together with the accompanying FIRM and flood boundary-floodway maps dated September 26, 2008 and any later revisions, as the basis for identifying those areas. Sec. 050 requires a development permit for any activity in these zones, and Sec. 060 bars locating, altering, or changing the use of any structure or land without full compliance.

Floodway areas carry the strictest control: Sec. 190 prohibits encroachments, including fill, new construction, and substantial improvements, within the adopted regulatory floodway unless hydrologic and hydraulic analysis demonstrates no increase in flood levels during the base flood discharge. Subdivision proposals larger than ten lots or two acres, whichever is smaller, must generate their own base flood elevation data under Sec. 170 if none already exists. The Floodplain Administrator, the Director/Building Official of Inspection Services under Sec. 110, reviews permit applications against ten factors listed in Sec.

130, including danger to life and property, access for emergency vehicles during flooding, and consistency with the comprehensive plan or Unified Development Code. Variances from these zone requirements go to the Planning and Zoning Commission, sitting as the Appeal Board under Sec. 140, but the board cannot grant a variance within a designated floodway if it would raise flood levels during the base flood discharge.

Violations & Fines

Developing land or structures within a special flood hazard area without the required permit, or in violation of the chapter's floodway or use restrictions, triggers Sec. 15.44.070: the Floodplain Administrator can order removal of the illegal structure or fill at the owner's expense within a stated deadline, and noncompliance is a misdemeanor under the Section 1.08 general penalty. The City may also remove the violation itself, bill the owner, and place a lien on the property for unpaid costs.

Frequently Asked Questions

Which areas of Georgetown does the floodplain ordinance cover?
Sec. 15.44.030 applies the chapter to all special flood hazard areas within Georgetown's jurisdiction, based on the FEMA Flood Insurance Study for Williamson County adopted by reference in Sec. 15.44.040, along with the current FIRM and flood boundary-floodway maps and any revisions.
Do I need a permit before building in a Georgetown flood zone?
Yes. Sec. 15.44.050 requires a development permit to ensure conformance with the chapter, and Sec. 15.44.060 prohibits locating, altering, or changing the use of any structure or land in a special flood hazard area without full compliance with these and other applicable regulations.
Can I build within the regulatory floodway in Georgetown?
Generally no. Sec. 15.44.190 prohibits encroachments, including fill, new construction, and substantial improvements, within the adopted regulatory floodway unless hydrologic and hydraulic analysis proves the project will not increase flood levels during the base flood discharge.

Sources & Official References

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