FEMA flood zone rules in Champaign County, IL — also called floodplain regulations or special flood hazard area (SFHA) rules — determine flood insurance requirements and elevation standards for new construction.
Champaign County and its cities enforce NFIP floodplain rules, and Illinois DNR requires a permit for construction in a regulated floodway. Boneyard Creek's flood history drove major flood-control work at the University of Illinois.
Champaign, Urbana, Savoy, and unincorporated Champaign County take part in the National Flood Insurance Program, so buildings in a FEMA Special Flood Hazard Area must be elevated to or above the base flood elevation, and federally backed mortgages there require flood insurance. Separately, Illinois Administrative Code Part 3700 requires an IDNR Office of Water Resources permit for construction in the floodway of larger streams. Boneyard Creek, which floods the University of Illinois campus and Campustown, has been the focus of a decades-long flood-control program. Fill and structures in the regulatory floodway are tightly restricted.
Building below base flood elevation, or placing fill and structures in a regulated floodway without the required permits, brings stop-work orders, removal and restoration orders, and retroactive compliance costs.
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Champaign County, IL
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See how Champaign County's flood zones rules stack up against other locations.
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