FEMA flood zone rules in Provo, UT — also called floodplain regulations or special flood hazard area (SFHA) rules — determine flood insurance requirements and elevation standards for new construction.
Provo City Code §15.05.180 governs floodplain development. A floodplain development permit is required for any construction in a FEMA Special Flood Hazard Area (SFHA). The effective FIRM date is June 19, 2020. A 100-foot Provo River buffer zone applies.
Provo City Code §15.05.180 adopts FEMA's Flood Insurance Rate Map (FIRM) effective June 19, 2020. All construction, development, or land alteration in a Special Flood Hazard Area (SFHA) requires a floodplain development permit from the Provo Floodplain Administrator. Development includes buildings, structures, mining, dredging, filling, grading, paving, fences, retaining walls, and placement of manufactured homes. No subdivision plat or development permit may be approved for property in the SFHA or within 100 feet of the Provo River's high bank until applicable criteria are met. A FEMA LOMA/LOMR-F does not relieve the applicant from Provo's 100-foot river buffer requirement. FEMA approval is required to obtain a floodplain development permit. Updated floodplain maps were released in 2024 affecting boundaries in Provo, Orem, Lehi, and other Utah County communities.
Building in an SFHA without a floodplain development permit: stop-work order, fines, mandatory flood insurance requirements. NFIP participation may be jeopardized for the entire community.
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