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Monterey County, CA Environmental Rules: Flood Zones (2026)

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

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

Key Facts

Covered area
100-year floodplain plus river/watercourse buffers
River buffer
200 feet from a river
Watercourse buffer
50 feet from a watercourse
Elevation standard
1 foot above base flood elevation
Administering official
Floodplain Administrator (Chief of Building)
Adopted
Ord. No. 5139, October 6, 2009

Summary

Development in Monterey County's Special Flood Hazard Areas, the 100-year floodplain shown on FEMA's Flood Insurance Rate Maps plus land within 200 feet of a river or 50 feet of a watercourse, must be reviewed under Monterey County Code § 16.16.030(A). New construction and substantial improvements must elevate the lowest floor at least one foot above the base flood elevation, verified by the Floodplain Administrator.

City-specific rules exist: Salinas has its own flood zones rules that differ from Monterey County's county-level regulations. If you live in Salinas, check the city-specific page instead.

A.Lands to Which this Chapter Applies. This Chapter shall apply to all Special Flood Hazard Areas (100-year floodplain) within the jurisdiction of Monterey County, as identified on Flood Insurance Rate Maps, and areas within two hundred (200) feet of a river or within fifty (50) feet of a watercourse. ... C.1.New construction and substantial improvement of any structure shall have the lowest floor, including basement, elevated to at least one (1) foot above the base flood elevation.

Source: Monterey County Code Chapter 16.16 - Floodplain Management OrdinanceView official code

Official source re-checked September 7, 2026: no newer edition of the code had been published (publisher’s edition: Code of Ordinances: Supplement 56).

Full Breakdown

16, Regulations for Floodplains in Monterey County, was rewritten in full by Ord. No. 5139 on October 6, 2009 under the County's police power authority in Government Code §§ 65302, 65560 and 65800. 030(A) defines the covered area as all Special Flood Hazard Areas identified on the Flood Insurance Rate Maps prepared for the January 30, 1984 County Flood Insurance Study (as revised 1991), plus land within 200 feet of a river or 50 feet of any other watercourse. 040(B) folds the review into whatever building, grading, sanitary sewage, water system or other land use permit the applicant is already seeking, and the Chief of Building of the County's Housing and Community Development Department serves as Floodplain Administrator.

The Administrator checks that the site is reasonably safe from flooding, that the project will not raise the base flood water surface elevation by more than one foot at any point, and that subdivisions of five or more parcels do not increase post-development flood discharge. 050(A)-(C), new construction and substantial improvements must be anchored against flotation and lateral movement, built with flood-resistant materials, and must elevate the lowest floor, including any basement, to at least one foot above the base flood elevation; in Zone AO the lowest floor must sit at least one foot above the highest adjacent grade, or two feet if no depth number is mapped.

Nonresidential structures may instead be floodproofed watertight to that same one-foot level if certified by a registered engineer or architect. Utility equipment such as furnaces and water heaters must likewise sit at least one foot above the base flood elevation. 060, but the chapter directs the County to find that granting it would not constitute fraud on or victimization of future owners and that the hardship is exceptional and peculiar to the property, not merely economic inconvenience.

Violations & Fines

Under § 16.16.030(C), no structure or land may be constructed, located, extended, converted or altered without full compliance with Chapter 16.16, and failure to comply with any of its requirements, including permit conditions and safeguards, constitutes a violation. The County may take any enforcement action authorized elsewhere in the Monterey County Code in addition to other legal remedies, and the Floodplain Administrator may pursue remedial action to correct a violation under that same section.

Frequently Asked Questions

How high above flood level must I build in unincorporated Monterey County?
Monterey County Code § 16.16.050(C)(1) requires the lowest floor of new construction and substantial improvements, including any basement, to be elevated at least one foot above the base flood elevation shown on FEMA's Flood Insurance Rate Map, verified by a registered engineer, surveyor, or the County Building Inspector.
Do I need a separate floodplain permit to build near a creek?
No. Section 16.16.040(B) folds floodplain review into your existing building, grading or land use permit application; there is no standalone floodplain permit. If your parcel sits in a Special Flood Hazard Area, staff route the application to Housing and Community Development for the added floodplain review.
What areas count as floodplain under this ordinance?
Section 16.16.030(A) covers all Special Flood Hazard Areas on the County's Flood Insurance Rate Maps, plus any land within 200 feet of a river or 50 feet of another watercourse, based on the 1984 Flood Insurance Study for Monterey County as amended.

Sources & Official References

Other rules in Monterey County

All Monterey County rules

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