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.
Montgomery participates in FEMA's National Flood Insurance Program and regulates development in flood-prone areas. Chapter 14 of the city code establishes floodplain management requirements.
Montgomery's floodplain management ordinance (Chapter 14) regulates construction and development in FEMA-designated flood zones. Properties in the 100-year floodplain (Zone A, AE) must meet elevation requirements — new construction must have the lowest floor elevated at or above the base flood elevation (BFE). Substantial improvements (exceeding 50% of the structure's market value) must also be brought into compliance. Flood insurance is required for properties with federally backed mortgages in Special Flood Hazard Areas. The city's floodplain administrator reviews development permits in flood zones.
Building in flood zones without proper permits and elevation certificates may result in fines, denial of flood insurance, and increased insurance rates.
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See how Montgomery's flood zones rules stack up against other locations.
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