FEMA flood zone rules in Lincoln, CA — also called floodplain regulations or special flood hazard area (SFHA) rules — determine flood insurance requirements and elevation standards for new construction.
Lincoln Municipal Code Chapter 15.32 (Flood Damage Prevention) is the City's National Flood Insurance Program (NFIP) compliance ordinance. Development in FEMA-designated Special Flood Hazard Areas (SFHAs) requires a floodplain development permit and must meet base flood elevation (BFE) standards.
Lincoln participates in the National Flood Insurance Program and administers Chapter 15.32 of the Lincoln Municipal Code (Flood Damage Prevention, Title 15 Buildings and Construction) to regulate development in FEMA Special Flood Hazard Areas (SFHAs) identified on the effective Flood Insurance Rate Map (FIRM) for Placer County. The ordinance establishes provisions for basis of establishing flood hazard areas, floodplain development permits, construction standards (lowest floor elevation to or above the Base Flood Elevation), anchoring, flood-resistant materials, and variance procedures (LMC §15.32.280 governs variance applications). New residential structures within Zone A or AE must have their lowest floor elevated to or above the BFE; non-residential structures must be elevated or dry-floodproofed. FEMA released preliminary updated FIRMs for western Placer County (Dry Creek, Pleasant Grove South, Secret Ravine Upper Fork, Markham Ravine, Raccoon Creek, Doty Ravine) on January 15, 2025, with comment period closing April 18, 2025. State law (Cal. Gov. Code §65302(g) and §65860) requires the City's General Plan and zoning to be consistent with floodplain mapping.
Development in an SFHA without a floodplain development permit, or below required elevation standards, is a Chapter 15.32 violation subject to stop-work orders, mandatory elevation/abatement, and citations under LMC §1.12.020 ($100/$200/$500 escalating infraction scale). Non-compliance can also lead to FEMA placing the City on probation or suspension from the NFIP, eliminating flood insurance availability for all property owners citywide.
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