FEMA flood zone rules in Spokane, WA — also called floodplain regulations or special flood hazard area (SFHA) rules — determine flood insurance requirements and elevation standards for new construction.
Spokane participates in the National Flood Insurance Program. The Spokane River, Latah Creek (Hangman Creek), and Little Spokane River have mapped FEMA floodplains. SMC 17E.030 (Critical Areas) regulates development in floodways and 100-year floodplains.
Spokane is subject to FEMA Flood Insurance Rate Maps (FIRMs) last comprehensively updated in 2010 with ongoing revisions. The Spokane River (especially downtown and through Peaceful Valley), Latah/Hangman Creek, and the Little Spokane River have significant Special Flood Hazard Areas (Zone AE). Construction in these zones requires a floodplain development permit under Spokane Municipal Code 17E.030 (Critical Areas Ordinance). New residential structures must have the lowest floor elevated at least 2 feet above the base flood elevation (freeboard). Fill in the floodway is prohibited. The Spokane River has had major floods historically, including 1894, 1948, and 1974. Insurance purchase is federally required for federally backed mortgages in Zone AE.
Unpermitted floodplain work: mandatory removal, fines up to $500/day, loss of NFIP community rating, potential insurance non-coverage.
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