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Monroe Township (Gloucester County), NJ Environmental Rules: Flood Zones (2026)

Significant Restrictions
Compiled from the official code textEditor Martyn O'NeillLast verified October 2026

FEMA flood zone rules in Monroe Township (Gloucester County), NJ, also called floodplain regulations or special flood hazard area (SFHA) rules, determine flood insurance requirements and elevation standards for new construction.

Key Facts

Floodplain Administrator
The Zoning Officer
NFIP participation
Since January 20, 1982
Permit validity
Invalid if not started or if work stops for 180 days
No-rise limit, no floodway
0.2 foot cumulative increase
Riparian zone width
50 to 300 feet
Maximum fine
$1250, 90 days, or community service

Summary

Monroe Township, Gloucester County, NJ regulates all development in flood hazard areas through Chapter 144, using the FEMA Flood Insurance Study dated August 17, 2016 and the stricter state Flood Hazard Area Control Act mapping. A permit from the Floodplain Administrator, the Zoning Officer, is required first. Fines reach $1,250 per violation.

The Township of Monroe was accepted for participation in the National Flood Insurance Program on January 20, 1982. ... Because of these higher standards, the regulated flood hazard area in New Jersey may be more expansive and more restrictive than the FEMA Special Flood Hazard Area. Maps and studies that establish flood hazard areas are on file at the Zoning Officer, located at 125 Virginia Avenue, Williamstown, New Jersey 08094. B. The following sources identify flood hazard areas in this jurisdiction and must be considered when determining the Best Available Flood Hazard Data Area: (1) Effective flood insurance study. Special Flood Hazard Areas (SFHAs) identified by the Federal Emergency Management Agency in a scientific and engineering report entitled, "Flood Insurance Study, Gloucester County, New Jersey (All Jurisdictions)," dated August 17, 2016, and the accompanying Flood Insurance Rate Maps (FIRM) identified in Table 144-11(1), whose effective date is January 20, 2010, are hereby adopted by reference.

Full Breakdown

Chapter 144 of the Monroe Township Code, adopted 3-27-2023 by Ord. No. O:08-2023, is the Township's Floodplain Management Regulations. Section 144-11 records that the Township was accepted into the National Flood Insurance Program on January 20, 1982, adopts by reference the FEMA Flood Insurance Study for Gloucester County dated August 17, 2016 and the Flood Insurance Rate Maps listed in Table 144-11(1), whose effective date is January 20, 2010, and requires the Township to apply the most restrictive of the best available data. State-regulated flood hazard areas exist along every regulated water with a drainage area of 50 acres or greater, and Section 144-11 lists the state-studied waters in Monroe, including Hospitality Branch, Fourmile Branch and tributaries of the Great Egg Harbor River. Maps and studies are on file at the Zoning Officer, 125 Virginia Avenue, Williamstown, New Jersey 08094.

The Zoning Officer is the Floodplain Administrator under Section 144-13. Section 144-29 requires anyone who intends to conduct any development in a flood hazard area to apply first and obtain the required permit, and the Administrator can require a floodplain development permit in addition to a building permit. The application under Section 144-30 identifies the development and land, the use and occupancy, the valuation including ordinary maintenance and minor work, and a site plan with grading and filling plans. A permit becomes invalid if development does not start within 180 days or if work is suspended or abandoned for 180 days, and extensions run for not more than 180 days each under Section 144-32.

Substantive limits follow. In riverine areas with design flood elevations but no designated floodway, Section 144-21 bars new construction, substantial improvement or fill unless an engineer shows the cumulative effect will not raise the design flood elevation more than 0.2 foot at any point in the community. Section 144-22 requires an engineer's certification of no increase in the base flood level before any floodway encroachment. Section 144-25 prohibits development in riparian zones, 50 to 300 feet wide, unless NJDEP permits are in hand. Section 144-23 requires notice to adjacent jurisdictions, the NJDEP Bureau of Flood Engineering and the Division of Land Resource Protection before any watercourse alteration.

Violations & Fines

Section 144-8 makes a violation subject to a fine of not more than $1250, imprisonment not exceeding 90 days, or community service not exceeding 90 days, and each day is a separate violation after a thirty-day opportunity to cure. A repeat offender within one year faces an additional fine. Unlawful solid waste disposal in a floodway or floodplain draws a fine of not more than $2,500, or up to $10,000 under N.J.S.A. 40:49-5.

Frequently Asked Questions

Do I need a permit to build in a flood hazard area in Monroe Township, Gloucester County?
Yes. Section 144-29 requires anyone intending to conduct any development in a flood hazard area to apply to the Floodplain Administrator, the Zoning Officer, and obtain the required permit first. A floodplain development permit can be required in addition to a building permit.
Which flood maps does Monroe Township use?
Section 144-11 adopts the FEMA Flood Insurance Study for Gloucester County dated August 17, 2016 and its Flood Insurance Rate Maps, and also requires the most restrictive best available data, including NJDEP state flood hazard areas. The maps are on file at the Zoning Officer, 125 Virginia Avenue, Williamstown.
Can I fill or build in a floodway in Monroe Township?
Only with proof of no impact. Section 144-22 requires a certification by a licensed professional engineer, with technical data, showing the development will not cause any increase in the base flood level before the Floodplain Administrator issues a permit for fill, new construction or substantial improvements.
How long does a Monroe Township floodplain permit last?
Under Section 144-32, a permit becomes invalid when development is not commenced within 180 days after issuance, or when authorized work is suspended or abandoned for 180 days. The Floodplain Administrator can grant written extensions of not more than 180 days each when justifiable cause is shown.

Sources & Official References

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