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Lower Merion, PA Environmental Rules: Flood Zones (2026)

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

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

Key Facts

Governing map
FEMA Flood Insurance Study, 3/2/2016
Overlay scope
all lots in the base flood area
Permitted uses
open space, farming, floodproofed utilities only
Never variance-eligible
landfills, junkyards, mobile home parks, jails
Map changes need
zoning permit + FEMA approval in SFHA
Penalty
up to $500 + costs, per day after day 5

Summary

Lower Merion Township overlays a Floodplain Overlay District on every lot subject to the base flood, mapped from FEMA's Flood Insurance Study. Section 155-7.3 limits the district to a short list of open-space and agricultural uses and specifically bars freestanding structures, retaining walls, and substantial improvements outside that list.

§ 155-7.3. Floodplain Overlay District. ... ... B. Applicability. ... (1) The Floodplain Overlay District is defined and established to include areas subject to the base flood, designated on the Lower Merion Township Floodplain Overlay District Map and prepared by the Township of Lower Merion. It is based on the Flood Insurance Study for the Township of Lower Merion, Montgomery County, Pennsylvania, as prepared by the Federal Emergency Management Agency (FEMA), dated March 2, 2016 ... ... D. Permitted uses. The following uses and no other shall be permitted in the Floodplain Overlay Districts. ... ... F. Prohibited uses. For the purpose of maintaining the Floodplain Overlay District, the uses listed below are specifically prohibited. (1) All freestanding structures and buildings and retaining walls or substantial improvements, which shall include but not be limited to generators, mechanical equipment and transformers ... except as permitted under § 155-7.3, Floodplain Overlay District, as a variance, special exception, or conditional use.

Full Breakdown

Zoning Code § 155-7.3 establishes the Floodplain Overlay District over any lot within the area subject to the base flood, as shown on the Township's Floodplain Overlay District Map and drawn from FEMA's Flood Insurance Study for Lower Merion Township, dated March 2, 2016. The overlay applies on top of every underlying zoning district and to all lots within it. Subsection D permits only a defined list of uses and no others: cultivated, forested, or grazing land; outdoor nurseries or orchards; wildlife sanctuaries; game farms without structures; forestry; required yard area; floodproofed sanitary and storm sewers and utility lines; certain recreational uses without enclosed structures; and a few narrow drainage and parking exceptions.

Subsection F then prohibits freestanding structures, buildings, retaining walls, and substantial improvements, including generators, mechanical equipment, and transformers, unless approved under § 155-7.3 as a variance, special exception, or conditional use. Certain uses, including sanitary landfills, junkyards, outdoor storage of vehicles and toxic chemicals, mobile home parks, hospitals, and jails, may never receive a variance under any circumstances (§ 155-7.3F(2)). Any modification of the mapped floodplain boundary requires a zoning permit from the Zoning Officer, Township Engineer review, and, in a special flood hazard area, prior FEMA approval (§ 155-7.3C). Section 155-7.3I makes the entire article take precedence over every other portion of the Township Code when there is a conflict.

Violations & Fines

Floodplain violations are zoning violations enforced under § 155-11.4 by the Zoning Officer, who issues a written enforcement notice with a compliance deadline appealable to the Zoning Hearing Board. Unresolved violations can bring a civil judgment before a Magisterial District Judge of up to $500 plus court costs and Township attorney fees, with each day after the fifth counted as a separate violation, plus the Township's right to seek an injunction to stop or correct unlawful floodplain construction.

Frequently Asked Questions

What can I build on my Lower Merion property if it is in the floodplain?
Very little as of right. Section 155-7.3D limits by-right uses to open space, farming, forestry, floodproofed utility lines, and a few narrow recreational and parking exceptions. Any freestanding structure or substantial improvement needs a variance, special exception, or conditional use under the same section.
Is there anything I can never get approved in the floodplain?
Yes. Section 155-7.3F(2) bars a variance under any circumstances for sanitary landfills, junkyards, outdoor storage of vehicles or toxic chemicals, mobile home parks, hospitals, long-term-care facilities, and jails, citing the threat to human health and safety.
How is the floodplain boundary determined?
The Township maps it on the Floodplain Overlay District Map, built from FEMA's Flood Insurance Study for Lower Merion Township dated March 2, 2016, plus the Township's 1973 topographic map. Changing that boundary requires a zoning permit, Township Engineer review, and FEMA sign-off in special flood hazard areas.

Sources & Official References

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