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La Plata County, CO Environmental Rules: Flood Zones (2026)

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

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

Key Facts

Permit
Floodplain development permit before construction or development begins
Floodplain administrator
Manager of the county building department
Adopted FEMA study
La Plata County Flood Insurance Study effective April 25, 2024
Floodway
No building sites approved in a determined floodway area
Interim rise limit
One-half foot until a regulatory floodway is designated
Penalty
C.R.S. § 30-15-402; each day is a separate offense
Study on file
County offices, 211 Rock Point Drive, Durango

Summary

In unincorporated La Plata County, Colorado, anyone building or developing inside a FEMA special flood hazard area needs a floodplain development permit before work begins. Chapter 78 adopts the FEMA study effective April 25, 2024, bars building sites in a determined floodway, and treats each day of violation as a separate offense.

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

This chapter shall apply to all special flood hazard areas and areas removed from the floodplain by the issuance of a FEMA letter of map revision based on fill (LOMR-F) within the jurisdiction of the county. ... The special flood hazard areas identified by FEMA in the Flood Insurance Study, La Plata County, Colorado, and Incorporated Areas, Effective April 25, 2024 along with accompanying Flood Insurance Rate Maps and Floodway Maps, including all attachments, revisions and supporting documentation (GIS BFE floodplain layers, hydraulic models, etc.) are hereby adopted by reference and declared to be a part of this chapter. ... A floodplain development permit shall be required to ensure conformance with the provisions of this chapter.

Full Breakdown

Chapter 78, Article II of the La Plata County Code is the county's floodplain management regulation. It applies to all special flood hazard areas, and to areas removed from the floodplain by a FEMA letter of map revision based on fill (LOMR-F), within the county's jurisdiction. The minimum mapped area is the FEMA Flood Insurance Study for La Plata County, Colorado, and Incorporated Areas, effective April 25, 2024, with its Flood Insurance Rate Maps and Floodway Maps. The study is on file at the county offices, 211 Rock Point Drive, Durango. The Board of County Commissioners can supplement it with studies designated by resolution after a public hearing, with notice published in a newspaper at least ten days but not more than 30 days before the hearing.

The manager of the county building department is the floodplain administrator. That person approves or denies permit applications, inspects development during construction, records the actual lowest-floor elevation of each new or substantially improved structure, and interprets mapped boundaries. Where a base flood elevation appears on the profiles and tabulations, it governs over the mapped boundary. Anyone contesting a boundary gets a reasonable opportunity to appeal but must back the appeal with technical engineering data.

The permit application comes in addition to regular development review. It includes plans in duplicate drawn to scale, the building site elevation, the difference between the site and stream bed elevations, the lowest-floor elevation, and a description of any watercourse to be altered or relocated. A Colorado registered professional engineer prepares and certifies the submittal, though a registered land surveyor can provide the elevation data. Appendix A lists one floodplain development permit fee per single family residential unit and a separate line for commercial, multifamily or multiple lot subdivision projects.

For subdivisions and other development proposals, no building sites are approved in any determined floodway area, and no floodway encroachment is allowed that would increase flood levels during a base flood. Until a regulatory floodway is designated, no development can raise the base flood water surface elevation more than one-half foot. Proposals with at least 50 lots or five acres, whichever is less, must generate base flood elevation data.

Violations & Fines

Building, locating, extending, converting or altering any structure or land in a special flood hazard area without full compliance with Chapter 78 is punishable as provided in C.R.S. § 30-15-402. Each violation, and each day the development stays in violation, counts as a separate offense. The county can also take other lawful action to prevent or remedy a violation, and the Board of County Commissioners can act to stop it.

Frequently Asked Questions

How do I find out whether my parcel is in a flood zone in unincorporated La Plata County?
The county adopted the FEMA Flood Insurance Study effective April 25, 2024, with its Flood Insurance Rate Maps and Floodway Maps, and keeps the study on file at 211 Rock Point Drive, Durango. The floodplain administrator interprets boundaries, and a base flood elevation shown on the profiles governs over the mapped line.
Can I challenge the mapped floodplain boundary on my property?
Yes. Anyone contesting the location of a floodplain boundary gets a reasonable opportunity to appeal the designation. The appeal must be substantiated by technical engineering data of sufficient detail for a determination to be made. The floodplain administrator makes the boundary interpretation when field conditions conflict with the map.
Does the floodplain permit application need an engineer?
The information submitted is prepared and certified by a professional engineer registered in Colorado, though required elevation data can come from a registered land surveyor. The application lists site and lowest-floor elevations, any flood proofing elevation for nonresidential structures, and how any watercourse or natural drainage would be altered or relocated.
What happens if I build in a flood hazard area without a permit?
Violations of Chapter 78 are punishable as provided in C.R.S. § 30-15-402, and every day the development is in violation is a separate offense under section 78-31. The code also preserves the county's authority to take any other lawful action needed to prevent or remedy the violation.

Sources & Official References

Other rules in La Plata County

All La Plata County rules

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