FEMA flood zone rules in St. Johns County, FL — also called floodplain regulations or special flood hazard area (SFHA) rules — determine flood insurance requirements and elevation standards for new construction.
Much of coastal St. Johns County lies in FEMA flood zones with hurricane storm-surge exposure. The county's floodplain management ordinance enforces National Flood Insurance Program standards, requiring new coastal homes to be elevated above base flood elevation.
St. Johns County participates in the National Flood Insurance Program, and its floodplain management ordinance, part of the land development code, governs building in special flood hazard areas mapped by FEMA. Along the Atlantic beaches, the Intracoastal Waterway, and the Matanzas and Guana rivers, new and substantially improved structures must have their lowest floor elevated to or above the base flood elevation, with coastal V-zones requiring open pilings and breakaway walls. The county adds freeboard above FEMA minimums. Fill, development, and substantial improvements in the floodplain require a floodplain development permit, and repetitive-loss rules apply after storm damage.
Building below base flood elevation or developing in the floodplain without a floodplain development permit violates the county ordinance and NFIP rules, bringing penalties, corrective elevation orders, and loss of flood-insurance eligibility.
Other ordinances people look up for this city. Green dot = verified primary-source excerpt.
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See how St. Johns County's flood zones rules stack up against other locations.
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