Montgomery, AL Environmental Rules: Flood Zones (2026)
FEMA flood zone rules in Montgomery, AL, also called floodplain regulations or special flood hazard area (SFHA) rules, determine flood insurance requirements and elevation standards for new construction.
Key Facts
- Permit required
- For any development in a mapped flood hazard area
- Elevation standard
- Lowest floor 2 feet above base flood elevation
- Critical facilities
- 4 feet above base flood elevation, sited outside SFHA if feasible
- Floodway residential variance
- Never granted for new residential structures
- Maximum fine
- $500.00 or 30 days jail, or both
- Appeal window
- 10 working days to Board of Adjustment
- Ordinance date
- Adopted March 5, 2026 (Ord. No. 4-2026)
Summary
Montgomery requires a floodplain development permit before any construction, fill, or substantial improvement in a mapped special flood hazard area, adopted under Ord. No. 4-2026 effective March 5, 2026. New buildings must sit at least two feet above the base flood elevation, and critical facilities four feet above it. Violations are a misdemeanor with fines up to $500.00.
Sec. 5-618. - Establishment of a floodplain development permit. A floodplain development permit shall be required in conformance with the provisions of this article prior to the commencement of any development, as defined in this article, in identified SFHAs and any additional identified community flood hazard areas within the community.
Official source re-checked September 7, 2026: no newer edition of the code had been published (publisher’s edition: Code of Ordinances: Supplement 27).
Full Breakdown
Montgomery City Code § 5-618 requires a floodplain development permit before any development, as the article defines that term, begins in an identified special flood hazard area (SFHA) or other community flood hazard area; § 5-619 backs that up by barring any structure or land change without full compliance. Section 5-651 sets general standards for new construction and substantial improvements: they must be anchored against flotation and lateral movement, built with flood-resistant materials below the base flood elevation (BFE), and designed so utilities won't flood.
Section 5-652 adds the numbers: residential and non-residential structures need their lowest floor elevated at least two feet above the BFE, and a non-residential building may floodproof to that same two-foot mark instead of elevating, certified by an Alabama-licensed engineer or architect. 2-percent-chance flood elevation, whichever is higher. Under § 5-653, no new construction, fill, or other development is allowed in the adopted regulatory floodway unless a registered professional engineer certifies, with a no-rise analysis, that it won't raise the base flood's water surface, and variances for new residential structures in the floodway are never granted.
00 or up to 30 days in jail, or both, with each day of continued violation a separate offense. A written notice of violation gives ten working days to appeal to the Board of Adjustment (24 hours if the violation is a public-safety danger), and a further appeal runs de novo to the Montgomery County Circuit Court.
Violations & Fines
Building or filling in the floodplain without a permit, or ignoring the elevation and floodproofing standards, is a misdemeanor under § 5-623: a fine of up to $500.00, up to 30 days in jail, or both, with each additional day of noncompliance charged as a separate offense. A notice of violation can include a stop-work order, and the recipient has ten working days to appeal to the Board of Adjustment.
Frequently Asked Questions
Do I need a permit to build in a Montgomery flood zone?
How high above flood level must a new house be built?
Can I get a variance to build in the floodway?
What's the penalty for violating Montgomery's floodplain rules?
Sources & Official References
Other rules in Montgomery
Compare Montgomery to another location·View the Alabama environmental rules overview
See something wrong?
Help us keep this page accurate. If you notice an error or outdated information, let us know.