FEMA flood zone rules in Rankin County, MS β also called floodplain regulations or special flood hazard area (SFHA) rules β determine flood insurance requirements and elevation standards for new construction.
Rankin County enforces FEMA floodplain management (44 CFR 60.3). The Pearl River below the Ross Barnett spillway floods frequently - 1979, 2020, and 2022. New SFHA construction must meet freeboard requirements. NFIP participation is active.
The Pearl River is Rankin County's defining flood hazard, especially along the western edge in Pearl and low-lying parts of Flowood near the Pearl River Wildlife Management Area. Major flood events include the April 1979 Easter Flood (crest 43.28 feet at Jackson), the February 2020 flood that inundated parts of Richland, Pearl, and north Flowood, and the August 2022 event. The Rankin-Hinds Pearl River Flood and Drainage Control District plus FEMA regulate development in the regulatory floodway and Special Flood Hazard Areas (100-year floodplain). Under the county and city floodplain ordinances, new construction in an SFHA must have the lowest floor elevated at least 1 foot above Base Flood Elevation (freeboard). Substantial improvements exceeding 50% of market value trigger full elevation compliance. Fill in the regulatory floodway is prohibited absent a no-rise certification. NFIP flood insurance is required for federally-backed mortgages in SFHA zones. Ross Barnett Reservoir itself is managed by PRVWSD under the 1958 compact and does not appear as a floodplain in the traditional sense, but Reservoir-area neighborhoods (Castlewoods, Grants Ferry) have specific flood elevation certifications tied to spillway operations.
Construction below BFE: retroactive elevation or removal plus $500-$5,000 fines. Floodway fill without no-rise cert: removal order plus NFIP community probation risk. Failure to maintain flood insurance on mortgaged SFHA property: lender force-placement at 2-3x cost.
Rankin County, MS
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