Key Facts Ordinance Text Full Breakdown Violations FAQ Sources More in McKinney

McKinney, TX Environmental Rules: Flood Zones (2026)

Light Restrictions

Compiled from the official code textEditor Martyn O'NeillLast verified April 2026

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

Key Facts

NFIP CID: 480134
Rivers: East Fork Trinity, Wilson Creek
Freeboard: 2 ft above BFE
50 Percent Rule: Substantial improvement
FIRM Effective: June 2, 2009

FEMA Flood Zone Lookup

FEMA assigns every parcel in the U.S. a flood-hazard designation on its Flood Insurance Rate Maps (FIRMs). Zones starting with A or V are high-risk Special Flood Hazard Areas where federally backed mortgages require NFIP flood insurance. Zone X indicates moderate-to-minimal risk, where insurance is optional but often recommended. Your specific zone determines insurance cost, build elevation, and permit requirements in McKinney, TX.

Zone	What it means	NFIP required?
A	High-risk flood area; 1% annual chance flood, no detailed analysis.	Yes
AE	High-risk; same as A but with established Base Flood Elevations.	Yes
AH	High-risk shallow flooding (1-3 ft), usually ponding.	Yes
AO	High-risk shallow flooding (1-3 ft) with sheet flow on sloping terrain.	Yes
V	High-risk coastal zone subject to wave action (no BFE).	Yes
VE	High-risk coastal zone with wave action and established BFEs.	Yes
X (shaded)	Moderate risk; between the 1% and 0.2% annual chance flood.	Recommended
X	Minimal risk; outside the 0.2% annual chance floodplain.	No

Look up McKinney, TX on the FEMA flood map

FEMA maps update periodically; verify zone before buying flood insurance or building.

Summary

McKinney participates in the NFIP (CID 480134). Properties along the East Fork Trinity River, Wilson Creek, and Honey Creek include mapped SFHA Zones AE and A. Substantial improvement or substantial damage (50 percent rule) triggers full floodplain compliance per Chapter 38 Flood Damage Prevention.

FEMA Flood Map Service Center: Welcome! Looking for a Flood Map? Enter an address, a place, or longitude/latitude coordinates: Looking for more than just a current flood map? Visit Search All Products to access the full range of flood risk products for your community. About Flood Map Service Center The FEMA Flood Map Service Center (MSC) is the official public source for flood hazard information produced in support of the National Flood Insurance Program (NFIP). Use the MSC to find your official flood map, access a range of other flood hazard products, and take advantage of tools for better understanding flood risk. FEMA flood maps are continually updated through a variety of processes. Effective information that you download or print from this site may change or become superseded by new maps over time. For additional information, please see the Flood Hazard Mapping Updates Overview Fact Sheet Announcements The Search All Products page has been recently updated to allow users to download a listing of all products resulting from a search. Users can print the file or import it into a spreadsheet or database.

Source: FEMA Flood Map Service CenterView official code

Full Breakdown

The East Fork of the Trinity River flows through eastern McKinney, with tributaries Wilson Creek, Honey Creek, and Rowlett Creek creating mapped floodplains. New construction in SFHA must have lowest floor elevated 2 ft above BFE (1 ft freeboard). FEMA elevation certificate required. McKinney maintains current FIRM maps effective June 2, 2009 (Collin County panels). CLOMR/LOMR required for any map change.

Violations & Fines

Non-compliant construction: stop-work plus 2,000 dollars per day. FEMA may suspend city from NFIP for systemic violations.

Frequently Asked Questions

Is my McKinney property in a flood zone?

Check FEMA Map Service Center (msc.fema.gov) using your address. Properties near the East Fork Trinity River, Wilson Creek, or Honey Creek are most likely to be in mapped Zone AE or A.

Sources & Official References

Other rules in McKinney

Parking Rules: Overnight ParkingFew Restrictions Noise Ordinances: Construction HoursLight Restrictions Flood Elevation RequirementsSome Restrictions Erosion ControlLight Restrictions Stormwater ManagementLight Restrictions Noise Ordinances: Leaf Blower RulesFew Restrictions Parking Rules: Abandoned VehiclesLight Restrictions Animal Ordinances: Breed RestrictionsFew Restrictions Landscaping Rules: Tree Removal & Heritage TreesSignificant Restrictions

All McKinney rules

Texas rules heatmap·Compare McKinney to another location·View the Texas environmental rules overview

See something wrong?

Help us keep this page accurate. If you notice an error or outdated information, let us know.

Flood Zones in Nearby Cities

How other cities in Collin County handle flood zones.

Frisco, TX

Some Restrictions

Allen, TX