FEMA flood zone rules in Mosinee, WI — also called floodplain regulations or special flood hazard area (SFHA) rules — determine flood insurance requirements and elevation standards for new construction.
The City of Mosinee regulates floodplain development through Chapter 42 (Land Use), Article V Floodplain Zoning of its Code of Ordinances, in conformance with Wis. Stat. Sec. 87.30 and Wisconsin Administrative Code Chapter NR 116, plus 44 CFR Parts 59-72. The Wisconsin River runs through Mosinee and is the principal regulated waterway, including reaches affected by the Mosinee Dam. The Marathon County Flood Insurance Study and Digital Flood Insurance Rate Maps (DFIRMs) became effective July 22, 2010. Mosinee participates in the National Flood Insurance Program; new residential structures are prohibited in the regulatory floodway and in the flood fringe must be elevated to the flood protection elevation.
Wis. Stat. Sec. 87.30 requires every Wisconsin municipality with mapped floodplain or NFIP participation to adopt a floodplain zoning ordinance meeting the minimum standards of Wis. Admin. Code Chapter NR 116 and 44 CFR Parts 59-72. Mosinee's Code of Ordinances Chapter 42, Article V (Floodplain Zoning) implements those standards within the city. The Wisconsin River corridor through Mosinee, plus tributary backwater areas, are mapped as Special Flood Hazard Areas on the Marathon County DFIRM panels with effective date July 22, 2010 (Marathon County, Wisconsin and Incorporated Areas Flood Insurance Study). Under NR 116 standards: in the regulatory floodway, new residential, commercial, and industrial structures and most fill are prohibited (NR 116.13); in the flood fringe, the lowest floor of habitable space must be elevated at least two feet above the regional flood elevation (the flood protection elevation, NR 116.03(17), NR 116.13(1)(b)). The FEMA Flood Insurance Study for Marathon County notes that the Mosinee Wastewater Treatment Plant levee was previously mapped as providing protection from the Wisconsin River base flood but was determined not to meet NFIP certification, affecting how risk is shown on the DFIRM. A floodplain zoning permit from the city must be obtained before any building permit is issued for development in a Special Flood Hazard Area, and the Wisconsin DNR provides oversight under NR 116.21.
Wis. Stat. Sec. 87.30(2) and Wis. Admin. Code NR 116.21 require local enforcement of floodplain zoning. Violations - including unpermitted fill, structural development, or occupancy of habitable space in the floodway, or building below the flood protection elevation in the flood fringe - can result in citation, daily forfeitures, removal or restoration orders, and loss of NFIP eligibility. Misrepresenting elevation data on a permit application is independently actionable, and a community that fails to enforce risks suspension from the NFIP under 44 CFR Part 59.
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