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Kendall County, IL Environmental Rules: Flood Zones (2026)

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

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

Key Facts

Permit required
Stormwater permit from the Floodplain Administrator, Sec. 16-138(c)
No stage increase
No off-site flood stage/velocity increase, Sec. 16-140(a)(1)
Critical facilities
Separate permit below the 0.2% annual chance elevation
Map change
LOMR from FEMA with IDNR/OWR concurrence required
Penalty
Up to $1,000 fine, continuing daily violation

Summary

Unincorporated Kendall County bars any development inside a mapped floodplain until the Floodplain Administrator issues a stormwater permit under Sec. 16-138. Sec. 16-140 then forbids any floodplain project, on its own or combined with others, that raises flood stage or velocity off site or creates a damaging flood-height increase on site.

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

(c)No person, firm, corporation, or governmental body, not exempted by law, shall commence any development in the floodplain without first obtaining a stormwater permit from the Floodplain Administrator. ... (1)No development except as allowed in Section 16-142 shall be allowed in the regulatory floodplain that singularly or cumulatively creates an increase in flood stage or velocity off site, or a damaging or potentially damaging increase in flood heights or velocity on site or threat to public health, safety and welfare.

Full Breakdown

The floodplain protections sit in Kendall County Code Chapter 16, Article II, Subdivision IV, Protection of Floodplain and Floodway. Sec. 16-138(c) requires a stormwater permit from the Floodplain Administrator before any person, firm, corporation, or government body begins development in the floodplain, and Sec. 2-percent-annual-chance flood elevation. The Administrator may only issue that permit once the project meets the performance standards of Sec. 16-140. Those standards bar development that alone or cumulatively raises flood stage or velocity off site, or creates a damaging or potentially damaging increase in flood heights on site, unless the work qualifies for the floodway exceptions in Sec.

16-142. Any channel modification, fill placement, stream maintenance, or levee project must preserve the floodplain's existing flood conveyance and storage capacity, and a proposal that would change the base flood elevation or the regulatory floodplain boundary requires the developer to obtain a Letter of Map Revision from FEMA with concurrence from the Illinois Department of Natural Resources Office of Water Resources before any building permit issues. Public health standards layered onto the same permit forbid storing chemicals, explosives, or other hazardous materials below the flood protection elevation and prohibit new septic systems in the floodplain absent a variance meeting strict setback and elevation conditions. Subdivisions and planned unit developments over fifty lots or five acres must submit base flood elevation data and floodway delineations with their application.

Violations & Fines

Developing in the floodplain without the Sec. 16-138 stormwater permit, or in a way that violates the Sec. 16-140 performance standards, is a Code violation under Sec. 1-9: a fine of up to $1,000.00, with each day the violation continues charged as a separate offense. The Floodplain Administrator can also deny, suspend, or revoke the permit and order corrective work.

Frequently Asked Questions

Do I need a county permit to build in a Kendall County floodplain?
Yes. Sec. 16-138(c) makes it unlawful for anyone, including a government body, to commence development in the floodplain without first obtaining a stormwater permit from the Floodplain Administrator, and a critical facility below the 0.2 percent annual chance flood elevation needs its own permit under Sec. 16-138(d).
What floodplain projects does the county performance standard block?
Sec. 16-140(a)(1) blocks any development in the regulatory floodplain, alone or combined with other projects, that increases flood stage or velocity off site or causes a damaging increase in flood heights or velocity on site, unless the work is allowed under the floodway exceptions in Sec. 16-142.
What if my project would change the mapped floodplain boundary?
Sec. 16-140(a)(3) requires the applicant to obtain a Letter of Map Revision from FEMA, with concurrence from the Illinois Department of Natural Resources Office of Water Resources, before any building permit can be issued, and no structure may be built in the existing or proposed floodplain until that LOMR is final.

Sources & Official References

Other rules in Kendall County

All Kendall County rules

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