Takoma Park, MD Environmental Rules: Flood Zones (2026)

Takoma Park has significant FEMA-designated Special Flood Hazard Areas (Zone AE) along Sligo Creek, Long Branch, and several smaller tributaries. Montgomery County administers floodplain regulations under Chapter 19 of the county code, implementing the National Flood Insurance Program. All new construction and substantial improvements in the floodplain must have the lowest floor elevated at least one foot above the base flood elevation (BFE) as shown on FEMA Flood Insurance Rate Maps. Substantial improvement is defined as any repair or reconstruction costing 50 percent or more of the structure's pre-improvement market value. Basements in the floodplain are generally prohibited unless designed to meet specific flood-proofing standards. Fill in the floodplain requires a floodplain permit and must be compensated with equivalent flood storage elsewhere on the site to prevent increased flooding on neighboring properties. Montgomery County maintains a floodplain overlay zone that restricts development density and requires enhanced setbacks from waterways. Flood insurance is required by federal law for properties with federally backed mortgages located in Special Flood Hazard Areas. Property owners outside mapped flood zones may still purchase flood insurance at preferred rates. The city has experienced flooding along Sligo Creek during major storms and actively promotes flood preparedness. Contact Montgomery County DPS Floodplain Program at 240-777-0311 for floodplain determinations and permit requirements.