FEMA flood zone rules in Greene County, MO β also called floodplain regulations or special flood hazard area (SFHA) rules β determine flood insurance requirements and elevation standards for new construction.
Greene County participates in the National Flood Insurance Program (NFIP) and enforces a Floodplain Management Ordinance codified as Article XXI of the Greene County Zoning Regulations. A Floodplain Development Permit is required for any construction, fill, or substantial improvement in a Special Flood Hazard Area (FEMA Zone A, AE, AH, AO) shown on the effective Flood Insurance Rate Map (FIRM). FEMA released updated preliminary FIRMs for Greene County in May 2019, reflecting current flood risk along the James River, Wilson Creek, and other waterways. Floodway development requires a no-rise certification by a Missouri-licensed engineer.
Greene County's Floodplain Management Ordinance is incorporated into the Greene County Zoning Regulations as Article XXI. Administration is handled by the Resource Management Department's Environmental Services Division (the County's Environmental office), with Planning and Zoning handling reviews tied to the FEMA Floodplain Management Program. Areas mapped on the effective FIRM as numbered or unnumbered A zones (including AE, AH, and AO) form the County's Floodplain Overlay District; where a regulatory floodway has been mapped, the overlay is further divided into a Floodway Overlay District (where development is essentially prohibited absent a no-rise certification) and a Floodway Fringe Overlay District. A Floodplain Development Permit must be obtained before any new construction, substantial improvement (improvement equal to or exceeding 50 percent of pre-improvement market value), fill, grading, or placement of a manufactured home in the Special Flood Hazard Area. Lowest-floor elevation must equal or exceed the Base Flood Elevation, and structures must use flood-resistant materials below the BFE, be properly anchored, and have utilities elevated, consistent with 44 CFR Β§60.3(d). Floodway development requires a registered Missouri professional engineer to certify that the proposed work will cause no rise in the base flood elevation. FEMA released new preliminary FIRMs and a Flood Insurance Study for Springfield and Greene County in May 2019, working through the Missouri State Emergency Management Agency (SEMA). NFIP flood insurance is required for any federally-backed mortgage on an SFHA property under 42 U.S.C. Β§4012a. Major flooding watersheds in Greene County include the James River and Wilson Creek.
Construction without a required Floodplain Development Permit, or non-compliant elevation/floodway work, is a violation of Article XXI enforceable through stop-work orders, removal orders, and civil enforcement under RSMo Chapter 64 (county zoning). Persistent local non-compliance can also trigger NFIP probation or suspension by FEMA, raising flood-insurance rates for every Greene County resident in the SFHA. Federal lenders cannot close on a federally-backed mortgage in an SFHA without flood insurance under 42 U.S.C. Β§4012a. Apply through Greene County Environmental Services (Resource Management Department) before starting any work in or near a mapped flood zone.
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