FEMA flood zone rules in Lancaster, PA — also called floodplain regulations or special flood hazard area (SFHA) rules — determine flood insurance requirements and elevation standards for new construction.
The Pennsylvania Floodplain Management Act (Act 166 of 1978) requires identified flood-prone municipalities to adopt and enforce floodplain ordinances meeting National Flood Insurance Program standards or face state and federal sanctions.
Codified at 32 P.S. Sections 679.101-679.601, Act 166 directs DCED to identify municipalities with flood hazard areas and requires them to enact ordinances regulating construction in identified floodplains. Ordinances must meet 44 CFR Section 60.3 NFIP minimums covering elevation, anchoring, and flood-resistant materials. Municipalities must require permits for development in special flood hazard areas and maintain elevation certificates. Failure to adopt or enforce can lead to NFIP suspension and ineligibility for state disaster assistance.
Property owners building without floodplain permits can face fines up to $100 per day per violation under municipal ordinances enforced under state authority, plus loss of flood insurance eligibility.
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See how Lancaster's flood zones rules stack up against other locations.
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