FEMA flood zone rules in Horace, ND — also called floodplain regulations or special flood hazard area (SFHA) rules — determine flood insurance requirements and elevation standards for new construction.
Horace Title V Chapter 5-04 (Flood Damage Prevention, Ord. 2015-1 as amended through Ord. 2025-11 and Ord. 2026-04) requires a development permit before any construction in a Special Flood Hazard Area, with new residential lowest floors elevated at least 2.5 feet above the base flood elevation.
Statutory authority is NDCC Ch. 40-05 (delegation to municipalities). SFHAs are based on the FEMA Flood Insurance Study for Cass County, North Dakota, All Jurisdictions, dated September 5, 2025, and accompanying FIRM (§5-0408). §5-0418 requires new residential construction to have the lowest floor (including basement) elevated at least 2.5 ft above the BFE; non-residential structures must be elevated or floodproofed to the same 2.5-ft margin. In undesignated floodways within Zones A1-30/AE the cumulative-rise limit is 1 ft (§5-0415(6)); higher rises require a CLOMR through FEMA under 44 CFR §65.12. The City Administrator is the floodplain administrator (§5-0414). Watercourse alterations require notice to the ND State Engineer and the Southeast Cass Water Resource District (§5-0415(4)). Horace sits at the southern terminus of the FM Area Diversion Project — the 30-mile stormwater diversion channel begins just south of Horace and runs north toward Argusville, with a Sheyenne River aqueduct.
No structure or land may be constructed, located, extended, converted, or altered without full compliance (§5-0409). Penalty under §5-0421; building/development permits administered under §5-0413.
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