FEMA flood zone rules in Palmetto, FL — also called floodplain regulations or special flood hazard area (SFHA) rules — determine flood insurance requirements and elevation standards for new construction.
Snead Island sits in unincorporated Manatee County and falls largely within FEMA AE and VE special flood hazard areas; portions are inside the Coastal Barrier Resources System where federal flood insurance is unavailable for new or substantially-improved structures.
Snead Island is a waterfront barrier-style peninsula in unincorporated Manatee County (mailing address Palmetto). Most of the island is mapped Zone AE or VE on FEMA FIRMs, requiring lowest-floor elevation at or above the Base Flood Elevation under Manatee County Land Development Code Chapter 2-10. Along portions of the bays, land is designated under the federal Coastal Barrier Resources Act, where federal flood insurance is not available for new construction or for structures substantially damaged or improved (cumulative cost more than 50 percent of market value). The City of Palmetto and Manatee County both enforce floodplain rules within their jurisdictions.
Building without a floodplain permit or below BFE is a code violation enforced by Manatee County Development Services, with stop-work orders, fines, and required structural elevation or removal; non-compliance can also void NFIP flood insurance.
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See how Palmetto's flood zones rules stack up against other locations.
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