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

Key Facts

Enforcing official
Building Official (Floodplain Administrator)
Permit required for
Construction, development, manufactured homes in flood-prone areas
Flood maps used
FEMA FIS/FIRM for Merced County, Aug. 2, 1995
Violation penalty
Misdemeanor
Governing chapter
Municipal Code Title 4, Chapter 9

Summary

Los Banos requires a development permit for any construction, grading, or manufactured home placement within areas the FEMA Flood Insurance Study maps as special flood hazard zones. The Building Official serves as Floodplain Administrator, reviewing applications against FIRM maps for Merced County before approving work. Building without a permit, or without meeting the chapter's flood-resistant construction standards, is a misdemeanor under Chapter 9 of Title 4.

This chapter shall apply to all areas identified ad flood-prone within the jurisdiction of the City of Los Banos. ... 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 established in connection with conditions) shall constitute a misdemeanor. ... A development permit shall be obtained for all proposed construction or other development in the community, including the placement of manufactured homes, so that it may be determined whether such construction or other development is within flood-prone areas.

View official code

Official source re-checked September 7, 2026: no newer edition of the code had been published (publisher’s edition: rev 4356507; v3 updated 2025-03-05).

Full Breakdown

The City of Los Banos regulates development inside flood-prone areas under Title 4, Chapter 9 of the Municipal Code, adopted by Ordinance 936 in 1998 under the City Council's Government Code Sections 65302, 65560 and 65800 zoning authority. 05 ties that boundary to the FEMA Flood Insurance Study for Merced County dated February 18, 1991, and the accompanying Flood Insurance Rate Maps dated August 2, 1995, plus all later amendments, which are kept on file at City Hall, 520 J Street. 11 requires a development permit for any proposed construction, other development, or manufactured home placement in the community so the City can determine whether the site falls inside a flood-prone area.

13 directs the Administrator to confirm the chapter's permit requirements are met, that other state and federal permits are secured, and that the site is reasonably safe from flooding before signing off. 06 makes compliance mandatory: no structure or land may be constructed, located, extended, converted, or altered without following the chapter, and violating those requirements, including conditions attached to a permit, is a misdemeanor. 15 extends the same flood-damage review to subdivision proposals and manufactured home parks sited in flood-prone areas, requiring adequate drainage and utility placement that minimizes flood exposure.

Violations & Fines

Building or altering a structure in a mapped flood-prone area without first obtaining a Section 4-9.11 development permit, or without meeting the Building Official's flood-resistant construction conditions, is a misdemeanor under Section 4-9.06. The City Council retains authority to pursue any other lawful remedy to stop or correct the violation, and the Building Official can deny, condition, or revoke approval where the Section 4-9.13 site-safety review is not satisfied.

Frequently Asked Questions

Do I need a permit to build in a Los Banos flood zone?
Yes. Section 4-9.11 requires a development permit for any construction, other development, or manufactured home placement in the community so the City can confirm whether the project sits inside a flood-prone area shown on the FEMA flood maps for Merced County. The Building Official, acting as Floodplain Administrator under Section 4-9.12, reviews and approves or denies the application.
What happens if I build without a floodplain permit?
Section 4-9.06 makes it a misdemeanor to construct, locate, extend, convert, or alter any structure or land without full compliance with Chapter 9, including any conditions attached to the permit. The City Council can also pursue any other lawful action to prevent or remedy the violation.
Which flood maps does Los Banos use?
Section 4-9.05 adopts the FEMA Flood Insurance Study dated February 18, 1991, and the Flood Insurance Rate Maps for Merced County dated August 2, 1995, along with all later amendments, as the chapter's basis for flood-prone areas. The study and maps are on file at City Hall, 520 J Street.

Sources & Official References

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