FEMA flood zone rules in Melbourne, FL — also called floodplain regulations or special flood hazard area (SFHA) rules — determine flood insurance requirements and elevation standards for new construction.
Melbourne has significant FEMA flood zones along Crane Creek, the Indian River Lagoon, and Turkey Creek. New construction in Special Flood Hazard Areas must be elevated to Base Flood Elevation plus one foot of freeboard. The city participates in NFIP Community Rating System for reduced premiums.
Melbourne enforces FEMA flood zone regulations for properties in Special Flood Hazard Areas including Crane Creek through downtown, the Indian River Lagoon waterfront, and Turkey Creek in the southern portion of the city. New construction and substantial improvements must be elevated to or above Base Flood Elevation plus one foot of freeboard. Flood insurance is required for properties with federally-backed mortgages in SFHAs. Drainage improvements are required for new development to prevent stormwater impacts on the Indian River Lagoon. The city participates in the NFIP Community Rating System for reduced premiums.
Building in flood zones without proper permits and elevation carries fines of $500–$5,000. Structures may be ordered removed or brought into compliance. NFIP violations can affect the community's flood insurance eligibility.
Melbourne, FL
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Side-by-side rule comparisons with other cities in Brevard County.
See how other cities in Brevard County handle flood zones.
See how Melbourne's flood zones rules stack up against other locations.
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