FEMA flood zone rules in Raymond, MS — also called floodplain regulations or special flood hazard area (SFHA) rules — determine flood insurance requirements and elevation standards for new construction.
The Town of Raymond is a participating community in the National Flood Insurance Program, with a current effective NFIP date of November 18, 2009, and an initial Flood Hazard Boundary Map dated August 1, 1986, per the FEMA Community Status Book Report for Mississippi. Raymond is incorporated in the FEMA Flood Insurance Study for Hinds County, Mississippi and Incorporated Areas dated November 18, 2009. The Hinds County Permit & Zoning office at the Raymond Courthouse Annex (127 West Main Street, 601-355-5424) maintains the FIRM panels, but the City of Raymond Building Inspector administers the flood damage prevention ordinance for properties inside Raymond's corporate limits. Pearl River and tributary drainage place portions of Hinds County in mapped Special Flood Hazard Areas.
Raymond's NFIP participation is recorded in the FEMA Community Status Book Report for Mississippi with a current effective FIRM date of November 18, 2009, and an initial Flood Hazard Boundary Map dated August 1, 1986. Raymond is included in the countywide FEMA Flood Insurance Study for Hinds County, Mississippi and Incorporated Areas dated November 18, 2009. As a participating NFIP community, Raymond must enforce a flood damage prevention ordinance that meets or exceeds the federal minimum standards of 44 CFR §60.3, including: requiring permits for development in Special Flood Hazard Areas; elevating the lowest floor of new and substantially improved residential structures to or above the Base Flood Elevation; and requiring that non-residential structures either be elevated to or above the BFE or be dry-floodproofed to that elevation. Mississippi's State Floodplain Manual (Office of the Secretary of State) and the Mississippi Emergency Management Agency provide guidance to local floodplain administrators. The Hinds County Permit & Zoning office at the Raymond Courthouse Annex (127 West Main Street, 601-355-5424) maintains FIRM panels and issues floodplain permits for unincorporated areas of Hinds County; for properties inside the City of Raymond, the City Building Inspector at 110 Courtyard Square (601-857-8041) administers the city's local flood ordinance, although the city does not publish that ordinance online — request the current text from City Hall before any development in or near a mapped flood zone. FIRM panel coverage for Hinds County uses the 28049C series with effective date 11/18/2009. Property owners can confirm flood zone designation at the FEMA Map Service Center (msc.fema.gov) by entering a Raymond address.
As a participating NFIP community, Raymond is required to enforce its local flood damage prevention ordinance; failure to enforce risks NFIP probation or suspension under 44 CFR §60.3 and §59.24, which would raise flood insurance rates community-wide and bar federally-backed loans on Special Flood Hazard Area properties under 42 U.S.C. §4012a. Local violations — such as unpermitted development in an SFHA, a lowest floor below BFE, or a missing FEMA Elevation Certificate — are enforceable by the City Building Inspector with stop-work orders, mandatory abatement, and municipal-court fines under Miss. Code Ann. §21-19-1. Federal lenders cannot close federally-backed mortgages on SFHA properties without flood insurance. Apply for floodplain permits through the City Building Inspector at City Hall (110 Courtyard Square, 601-857-8041) for properties inside Raymond, or through Hinds County Permit & Zoning at the Courthouse Annex (127 West Main Street, 601-355-5424) for unincorporated areas.
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