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Citrus County, FL Environmental Rules: Flood Zones (2026)

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

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

Key Facts

Governing section
Citrus County Code § 18-198
Flood insurance study date
January 15, 2021
Permit validity
180 days to start work
Extension option
90 days, written justification required
Records location
Building Division, 3600 W. Sovereign Path, Lecanto
Applies to
Unincorporated Citrus County flood hazard areas

Summary

Any development wholly or partly inside a Citrus County flood hazard area, from grading to a new manufactured home, needs a floodplain development permit under Sec. 18-198 before work starts, layered on top of any Florida Building Code permit, and covers unincorporated county land only.

These county ordinances apply to unincorporated areas of Citrus County. Incorporated cities within the county may have their own rules that take precedence over county-level regulations.

(a)Permits required. Any owner or owner's authorized agent (hereinafter "applicant") who intends to undertake any development activity within the scope of this article, including buildings, structures and facilities exempt from the Florida Building Code, which is wholly within or partially within any flood hazard area shall first make application to the floodplain administrator, and the building official if applicable, and shall obtain the required permit(s) and approval(s). No such permit or approval shall be issued until compliance with the requirements of this article and all other applicable codes and regulations has been satisfied.

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 76).

Full Breakdown

ch. 125, and Sec. 18-191(c) sweeps in nearly everything: subdividing land, filling, grading, utility work, building or altering a structure exempt from the Florida Building Code, placing or replacing a manufactured home, installing a tank, parking a recreational vehicle, or putting in a swimming pool. The flood hazard boundaries themselves come from the Citrus County unincorporated-area flood insurance study dated January 15, 2021, and the accompanying FIRMs, both on file at the Building Division, 3600 W. Sovereign Path, Lecanto, under Sec. 18-196(c). Sec. 18-198(a) requires an application to the floodplain administrator, plus the building official where applicable, before any of that development starts, and no permit issues until the applicant satisfies both this article and every other applicable code.

The permit requirement even reaches structures the Florida Building Code exempts outright, such as railroads, small agricultural buildings, temporary construction sheds, certain utility structures, tribal chickees, and small family mausoleums, per Sec. 18-198(c). A floodplain permit is only good for 180 days: work must start in that window or the permit lapses, and 90-day written extensions are available on a showing of justifiable cause under Sec. 18-198(f). Sec. 18-198(h) also flags the other permits a floodplain project usually needs on top of the county's, including the Southwest Florida Water Management District, the Florida Department of Health for septic systems, and the Florida Department of Environmental Protection for coastal construction and wetlands work.

Violations & Fines

Sec. 18-202 treats undertaking floodplain development without a permit, working outside its terms, or ignoring this article as a violation. The floodplain administrator can issue a notice of violation or a stop-work order to the owner, the owner's agent, or whoever is doing the work, and anyone who keeps working after being served, beyond correcting the violation, faces the penalties Florida law prescribes for the offense.

Frequently Asked Questions

Do I need a separate permit for work in a Citrus County flood zone?
Yes. Sec. 18-198(b) requires a floodplain development permit for activity in a flood hazard area even when a Florida Building Code permit also applies, and the floodplain administrator will not issue it until the project satisfies this article and every other applicable code.
Does a floodplain permit expire?
Yes, after 180 days if work has not started, or if it starts and then sits idle for 180 days, under Sec. 18-198(f). The floodplain administrator can grant extensions of up to 90 days each if the applicant shows justifiable cause in writing.
What flood maps does Citrus County actually use?
The county relies on the unincorporated-area flood insurance study dated January 15, 2021, and its flood insurance rate maps, adopted by reference in Sec. 18-196(c) and kept on file at the Building Division at 3600 W. Sovereign Path in Lecanto.
Are farm buildings exempt from the floodplain permit too?
No. Sec. 18-198(c)(2) lists nonresidential farm buildings, along with railroads, temporary construction sheds and a handful of other Florida Building Code exemptions, as still needing a floodplain development permit even though they skip the building code itself.

Sources & Official References

Other rules in Citrus County

All Citrus County rules

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