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McHenry County, IL Environmental Rules: Flood Zones (2026)

Some Restrictions
Compiled from the official code textEditor Martyn O'NeillLast verified September 2026

FEMA flood zone rules in McHenry County, IL, also called floodplain regulations or special flood hazard area (SFHA) rules, determine flood insurance requirements and elevation standards for new construction.

Key Facts

Governing chapter
IBC Ch. 15.04, § 1612 flood loads
Flood area source
McHenry County Stormwater Management Ordinance
Design standard
ASCE 7 Ch. 5 and ASCE 24
Grading rule
§1804.5, approval before fill in flood area
Minimum fine
$200 residential, $500 commercial per offense

Summary

Unincorporated McHenry County adopts the International Building Code's flood-load rules, but routes every real standard, mapping and design requirement to the county's own Stormwater Management Ordinance and to ASCE 7 and ASCE 24, so a build in a flood hazard area answers to both codes together.

These county ordinances apply to unincorporated areas of McHenry County. Incorporated cities within the county may have their own rules that take precedence over county-level regulations.

1612.3 Establishment of flood hazard areas. The establishment of flood hazard areas shall comply with the McHenry County Stormwater Management Ordinance. ... 1612.4 Design and construction. The design and construction of buildings and structures located in flood hazard areas shall be in accordance with the McHenry County Stormwater Management Ordinance and Chapter 5 of ASCE 7 and ASCE 24. ... 1804.5 Grading and fill in flood hazard areas. In flood hazard areas established in Section 1612.3, grading, fill, or both, shall be qualified and approved in accordance with the McHenry County Stormwater Management Ordinance.

View official code

Official source re-checked September 7, 2026: no newer edition of the code had been published (publisher’s edition: 2025 S-5: Supplement contains: Local legislation current through Ord. A25-0037, passed 8-19-2025 | State legislation current through ALS 2025 Pamphlet No. 1).

Full Breakdown

The county's Chapter 15.04 amendments to the 2021 International Building Code, adopted at § 15.04.010, rewrite IBC § 1612 to route flood-hazard construction through the McHenry County Stormwater Management Ordinance rather than the model code's own flood maps. Section 1612.3 states that the establishment of flood hazard areas "shall comply with the McHenry County Stormwater Management Ordinance," and where design flood elevations or floodways aren't already spelled out there, §§ 1612.3.1 and 1612.3.2 require the applicant to meet whatever the Stormwater Management Ordinance specifies for that riverine area. Section 1612.4 sets the actual construction standard: buildings and structures in a flood hazard area must be designed and built in accordance with the Stormwater Management Ordinance and with Chapter 5 of ASCE 7 and all of ASCE 24, the national flood-resistant design standards. Section 1612.5 then requires flood hazard documentation to be prepared to match both the Stormwater Management Ordinance and this building code.

The same flood-hazard trigger reaches into grading: § 1804.5, amending IBC Chapter 18, requires that grading or fill within an area established as a flood hazard area under § 1612.3 be qualified and approved in accordance with the McHenry County Stormwater Management Ordinance before work proceeds. Building permit review for this work sits with the Planning and Development Department, and where the local amendments conflict with the base IBC text, § 15.04.030 directs the more restrictive provision to control.

Violations & Fines

Violating any provision of the amended 2021 International Building Code, including its flood-hazard design and grading rules, carries a minimum fine under § 15.04.020: $200 for single- and multi-family new construction or residential alterations, $500 for commercial new construction, and $500 per offense for a local-amendment violation generally, with each week the violation continues counted as a separate offense.

Frequently Asked Questions

Which ordinance actually sets the flood zone boundaries for building in McHenry County?
Not the building code itself. Section 1612.3 of the county's amended International Building Code says flood hazard areas are established under the McHenry County Stormwater Management Ordinance, and any design flood elevations or floodway lines the Stormwater Ordinance doesn't already specify get filled in through the same ordinance under §§ 1612.3.1 and 1612.3.2.
What design standard applies to a home built in a flood hazard area?
Section 1612.4 requires the design and construction of buildings in a flood hazard area to follow both the McHenry County Stormwater Management Ordinance and Chapter 5 of ASCE 7 together with ASCE 24, the national standards for flood-resistant design and construction.
Can I grade or fill my lot if it's in a flood hazard area?
Only with approval. Section 1804.5 requires any grading or fill within a flood hazard area established under § 1612.3 to be qualified and approved in accordance with the McHenry County Stormwater Management Ordinance before work begins, and the documentation rule in § 1612.5 applies to the paperwork you'll need to submit.

Sources & Official References

Other rules in McHenry County

All McHenry County rules

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