FEMA flood zone rules in Highland Park, IL — also called floodplain regulations or special flood hazard area (SFHA) rules — determine flood insurance requirements and elevation standards for new construction.
Highland Park has significant flood zones along both forks of the North Branch of the Chicago River. The city established its own floodplain with Base Flood Elevations often higher than FEMA's. Watershed Development Permits required for floodplain work.
Highland Park experiences flooding from the Skokie River and Middle Fork of the North Branch of the Chicago River flowing north to south through the city. The city established its own floodplain providing Base Flood Elevations often higher than FEMA's in many locations. A Watershed Development Ordinance (WDO) permit from Lake County is required for all work in floodplains. Properties must show floodplain limits, floodway, and BFE with existing and proposed FEMA Elevation Certificates. Highland Park is a CRS (Community Rating System) community in Lake County, potentially qualifying for flood insurance discounts. Properties with ravines or bluffs require additional Steep Slope Zone setbacks (10 ft for ravines, 40 ft for bluffs). The city charges a stormwater utility fee based on impervious area.
Building in flood zones without proper permits and elevation carries fines of $500–$5,000. Structures may be ordered removed or brought into compliance. NFIP violations can affect the community's flood insurance eligibility.
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Side-by-side rule comparisons with other cities in Lake County.
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