FEMA flood zone rules in Lakewood, NJ — also called floodplain regulations or special flood hazard area (SFHA) rules — determine flood insurance requirements and elevation standards for new construction.
Lakewood participates in the National Flood Insurance Program since March 15, 1977. Flood damage prevention regulations require all construction in special flood hazard areas to comply with the code and NJ UCC. Violations carry fines up to $1,250.
Lakewood Township's flood damage prevention regulations (Chapter) meet NFIP requirements under 44 CFR Section 59.22. The Township has participated in the National Flood Insurance Program since March 15, 1977. No structure or land in special flood hazard areas may be constructed, relocated, extended, converted, or altered without full compliance with flood damage prevention provisions and other applicable regulations. Accessory structures in flood areas (detached garages, sheds, gazebos, boathouses) must meet the same standards. New construction and substantial improvements must be elevated or floodproofed to or above the Base Flood Elevation. Flood zone determination requires a private surveyor to prepare an elevation certificate for FEMA approval.
Violations carry fines up to $1,250, imprisonment up to 90 days, or 90 days township service. Non-compliant structures may lose flood insurance eligibility.
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