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.
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.
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.
Non-compliant construction: stop-work plus 2,000 dollars per day. FEMA may suspend city from NFIP for systemic violations.
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Side-by-side rule comparisons with other cities in Collin County.
See how other cities in Collin County handle flood zones.
See how McKinney's flood zones rules stack up against other locations.
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