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Bernalillo County, NM Environmental Rules: Flood Zones (2026)

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

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

Key Facts

Permit issued by
County building section
Fee, buildings 1,000+ sq ft
$20.00
Fee, smaller buildings
$10.00
Reviewing official
County floodplain administrator
Appeal path
Variance/appeal under § 38-73
Penalty
Up to $300 fine or 90 days jail

Summary

Anyone building, filling or grading in a mapped flood hazard area of unincorporated Bernalillo County needs a development permit from the county building section before work starts. The application must show floor elevations and floodproofing, and permits cost $10 to $20 depending on project size.

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

(a)A development permit shall be obtained before construction of development begins within any area of special flood hazard as shown on the flood insurance rate map.(b)An application for a development permit (same as building permit) shall be made to the county building section. The applicant shall submit to the county administrator plans drawn to scale showing the nature, location, dimensions and elevations of the area to be developed, existing and/or proposed structures, fill, storage of materials, drainage facilities and the location of the foregoing...(d)Fees. An application for a development permit shall be accompanied by a filing fee in accordance with the following schedule:(1)Twenty dollars for new buildings of 1,000 square feet or more, or additions of 1,000 square feet or more to existing buildings.(2)Ten dollars for new buildings of less than 1,000 square feet, additions of less than 1,000 square feet to existing buildings, or for the erection of structures other than buildings.

Source: American Legal PublishingView 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 92).

Full Breakdown

Bernalillo County Code § 38-72 requires a development permit before any construction, filling, grading, mining, paving, excavation, drilling or storage of equipment or materials begins within an area of special flood hazard shown on the Flood Insurance Rate Map, using the FEMA Flood Insurance Study for Bernalillo County dated November 4, 2016. Applications go to the county building section and must include scaled plans showing the elevation, in relation to mean sea level, of the lowest floor of every structure, the elevation to which any structure has been floodproofed, an engineer's certification for nonresidential floodproofing under § 38-102(2)c, and a description of any watercourse alteration.

00 for smaller buildings, additions or non-building structures. The county floodplain administrator, a position created under § 38-71 pursuant to NMSA 1978 § 3-18-7, reviews every application, checks that other required federal, state or local approvals are in hand, and determines whether the project would raise flood levels on neighboring land; if it would, mitigation becomes a permit condition. An applicant who is denied a permit, or who owns a half-acre lot or smaller surrounded by existing development below base flood level, can seek a variance or appeal to the floodplain administrator under § 38-73, which weighs flood danger, alternative sites and the cost of emergency services during a flood. A structure built without the documentation § 38-72 requires is presumed to be in violation until the paperwork is produced.

Violations & Fines

Bernalillo County Code § 38-33 makes any violation of the floodplain article punishable under the Code's general penalty, § 1-6: a fine of up to $300.00, imprisonment up to 90 days, or both, and continuing violations can also be abated as a public nuisance through injunctive relief. Building without the required development permit, or without the elevation and floodproofing documentation § 38-72 requires, is presumed a violation until the owner produces it.

Frequently Asked Questions

Do I need a permit to build in a Bernalillo County flood zone?
Yes. Bernalillo County Code § 38-72 requires a development permit before construction, filling, grading or storage begins in any area of special flood hazard shown on the FEMA flood insurance rate map for the county, and the application goes to the county building section.
How much does the floodplain development permit cost?
The filing fee is $20.00 for a new building or addition of 1,000 square feet or more, and $10.00 for smaller buildings, additions or non-building structures, under § 38-72(d).
What if the floodplain administrator denies my permit?
You can request a variance or appeal under § 38-73. The floodplain administrator weighs the flood danger, whether alternative building sites exist, and the cost of providing emergency services during flooding before deciding.
What happens if I build without the permit?
The structure is presumed to be in violation under § 38-72 until you provide the missing elevation or floodproofing documents, and the violation itself is punishable under § 38-33 by up to a $300.00 fine, 90 days in jail, or both.

Sources & Official References

Other rules in Bernalillo County

All Bernalillo County rules

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