Loveland, CO Environmental Rules: Flood Zones (2026)

03 applies three overlay zones, the Floodplain Overlay Zone (FP), the Floodway (FP-FW), and the Flood Fringe (FP-FF), whose boundaries follow the FEMA Flood Insurance Rate Map for Larimer County and incorporated areas dated February 6, 2013, added to the Official Zoning Map. 05 requires a floodplain development permit for cutting, filling, dredging, grading, storage, utility installation, street work, or construction anywhere in the zone, with a narrow exception for routine irrigation-ditch maintenance that does not raise the base flood elevation. Applications must include current FEMA floodway and floodplain boundary data, the base flood elevation, and the acreage of the site within the floodplain.

06 limits administratively approved uses to agriculture, outdoor recreation, and wildlife or nature preserves, subject to conditions barring any obstruction of flow capacity, any structures, fill, or storage, and any new manufactured homes, parks, or subdivisions; boat rentals, docks, piers, and open-pit mining for topsoil, sand, or gravel require conditional use approval instead. The Director may deny subdivision of any portion of a site within the flood fringe or floodway when necessary for public health, safety, or water and drainage conservation. 12, a nonconforming structure damaged by flood to 50 percent or more of its value must be rebuilt in full compliance with the floodplain division; below that threshold it can be restored without compliance if work begins within one year. 13 states the City assumes no liability for flood damage despite these regulations.