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Lodi, CA Environmental Rules: Flood Zones (2026)

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

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

Key Facts

Permit required
Before any development in a mapped flood hazard area
Administrator
City of Lodi Public Works Director
FIRM basis
FEMA FIS for San Joaquin County, 10-16-2009
200-year floodplain study
Mokelumne River analysis, Dec. 19, 2018
Penalty
Misdemeanor for unpermitted development
Appeal path
City council hears floodplain administrator appeals

Summary

Lodi requires a development permit before any construction, fill, or grading begins within a mapped special flood hazard area. The floodplain administrator, the public works director, reviews plans against FEMA's Flood Insurance Study for San Joaquin County. A separate finding process applies inside the city's mapped 200-year floodplain along the Mokelumne River. Building without the permit is a criminal misdemeanor under Chapter 15.60.

No structure or land shall hereafter be constructed, located, extended, converted, or altered without full compliance with the terms of this chapter and other applicable regulations. Violation of the requirements (including violations of conditions and safeguards) shall constitute a misdemeanor. ... A development permit shall be obtained before any construction or other development, including manufactured homes, within any area of special flood hazard established in Section 15.60.070.

View official code

Official source re-checked September 7, 2026: no newer edition of the code had been published (publisher’s edition: Code of Ordinances: Supplement 68).

Full Breakdown

60, adopted by Ordinance No. 1979 in October 2020 under the city's Government Code Section 65302 police power, governs all areas of special flood hazard identified in the FEMA Flood Insurance Study for San Joaquin County dated October 16, 2009, along with the accompanying FIRM and FBFM maps kept on file at the Public Works Department, 221 West Pine Street. The public works director serves as floodplain administrator and reviews every development permit application to confirm the site is reasonably safe from flooding, that federal and state permits are in hand, and that the project will not raise the base flood water surface elevation more than one foot anywhere in the city.

Applicants must submit duplicate scaled plans showing existing and proposed grading, drainage, the location of the regulatory floodway, and the proposed elevation of the lowest floor. Lodi layers an additional restriction on top of the federal program: development inside the city's mapped 200-year floodplain, identified from the 2018 Mokelumne River Hydraulic Analyses by Kjeldsen Sinnock Nuedeck, is barred unless the floodplain administrator makes one of four specific findings, such as an urban level of flood protection already existing or under construction. Site improvements that do not create new habitable structures, interior remodels, and additions to existing homes are exempted from that overlay. Variances from the chapter are rare and go through the city council on appeal.

Violations & Fines

Constructing, locating, extending, converting, or altering a structure or land in a special flood hazard area without a permit, or violating any permit condition, is a misdemeanor under Section 15.60.080. The city can still take any other lawful action needed to prevent or remedy the violation, and the floodplain administrator keeps a public record of every variance granted, including the justification, for FEMA's biennial compliance report.

Frequently Asked Questions

Do I need a city permit to build in a Lodi flood zone?
Yes. Section 15.60.140 requires a development permit before any construction, fill, grading, or manufactured home placement within an area of special flood hazard shown on the FEMA flood insurance rate maps for Lodi. The application must include scaled plans showing grading, drainage, the regulatory floodway location, and the proposed elevation of the lowest floor, reviewed by the public works director acting as floodplain administrator.
What happens if I build without the flood zone permit?
Building, altering, or extending a structure in a special flood hazard area without complying with Chapter 15.60 is a misdemeanor under Section 15.60.080. The city can also pursue any other lawful remedy to stop or correct the violation, independent of criminal prosecution, and the floodplain administrator can require corrective work before further permits are issued.
Can I build in Lodi's 200-year floodplain along the Mokelumne River?
Only if the floodplain administrator makes one of the findings in Section 15.60.130(D), such as an existing or funded urban level of flood protection. Site improvements that do not add a new habitable structure, interior remodels, and additions to existing homes are exempt from the 200-year floodplain overlay restrictions.

Sources & Official References

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Flood Zones in Nearby Cities

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