FEMA flood zone rules in Coconino County, AZ — also called floodplain regulations or special flood hazard area (SFHA) rules — determine flood insurance requirements and elevation standards for new construction.
Coconino County enforces FEMA flood-zone standards through its Flood Control District. Homes in mapped Special Flood Hazard Areas must be elevated above base flood elevation, and post-fire flash-flood risk has expanded the areas that flood.
The county participates in the National Flood Insurance Program, and the Coconino County Flood Control District enforces floodplain regulations under ARS §48-3601 et seq. In FEMA-mapped Special Flood Hazard Areas, new and substantially improved buildings must have their lowest floor elevated to or above base flood elevation. Federally backed mortgages in those zones require flood insurance. The catch here is post-wildfire flooding: after the Museum and Pipeline Fires, FEMA and the county issued updated flood maps and advisories because burn scars route water into areas that were historically dry. The City of Flagstaff administers its own floodplain program inside city limits.
Building below base flood elevation or filling a floodplain without a floodplain development permit violates county floodplain regulations and NFIP rules, bringing penalties, corrective elevation orders, and loss of flood-insurance eligibility.
Other ordinances people look up for this city. Green dot = verified primary-source excerpt.
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See how Coconino County's flood zones rules stack up against other locations.
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