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Tempe, AZ Environmental Rules: Flood Zones (2026)

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

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

Key Facts

Permit needed
Before any SFHA construction or fill (§12-27)
Floodplain Administrator
City Engineer (Tempe City Code §12-18)
Effective flood maps
FIRM panels dated September 18, 2020
Correction window
30 days after written notice of violation
Penalty
Misdemeanor prosecution under Code §1-7
Unpermitted development status
Declared a public nuisance per se

Summary

Any grading, construction, fill, or manufactured-home placement inside a Special Flood Hazard Area shown on Tempe's FEMA flood maps needs a floodplain permit from the City Engineer before Community Development issues a building permit. Tempe City Code § 12-16 frames flood-loss prevention as the article's purpose, and § 12-27 spells out what the permit application must show, including lowest-floor elevation and floodproofing certification for non-residential buildings.

A floodplain permit shall be obtained before construction or development begins, including placement of manufactured homes, within any Special Flood Hazard Area established in Section 12-20. Application for a floodplain permit shall be made on forms furnished by the Floodplain Administrator and may include, but not be limited to, plans, in duplicate, drawn to scale, showing the nature, location, dimensions and elevation of the area in question; existing or proposed structures, fill, storage of materials, drainage facilities; and the location of the foregoing.

View official code

Official source re-checked September 7, 2026: no newer edition of the code had been published (publisher’s edition: City Code: Supplement 33 Update 4 | Zoning and Development Code: Supplement 11 Update 2).

Full Breakdown

§ 48-3609 and § 48-3610, general code Chapter 12, Article II. Section 12-16 declares that Special Flood Hazard Areas (SFHAs) in Tempe are subject to periodic inundation and states the article's purpose is to protect life, minimize public flood-control expenditures, and keep the City eligible for the National Flood Insurance Program. Section 12-20 adopts by reference FEMA's Flood Insurance Study for Maricopa County dated July 19, 2001 (revised February 8, 2024) and the FIRM panels dated September 18, 2020, both on file at City Hall, 31 E.

Fifth Street. Under § 12-27, a floodplain permit is required before construction, filling, grading, or manufactured-home placement begins anywhere in an SFHA; the application must show the proposed lowest-floor elevation relative to mean sea level, floodproofing certification from a registered engineer or architect for non-residential structures, and base flood elevation data for any subdivision over fifty lots or five acres. Section 12-19 bars Community Development from issuing a building permit or certificate of occupancy in an SFHA until the Floodplain Administrator, who under § 12-18 is the City Engineer, confirms the plans and finished construction conform to the article.

The Floodplain Board, meaning the City Council sitting in its enforcement capacity, hears appeals of the Administrator's interpretations and hardship variance requests, which § 12-18's hardship definition says cannot rest on mere economic inconvenience or a neighbor's disapproval. S. Title 48, Chapter 21.

Violations & Fines

Development in an SFHA without the written authorization required by A.R.S. § 48-3613 is unlawful under § 12-25. The City Engineer must notify violators by certified mail or personal service, and an uncorrected violation after thirty days is referred to the City Attorney for prosecution as a misdemeanor under § 1-7. Unpermitted flood-hazard-area development is also declared a public nuisance per se that the City can abate, and the Floodplain Administrator may ask FEMA to deny federal flood insurance on the property.

Frequently Asked Questions

Do I need a permit to build in a Tempe flood zone?
Yes. Tempe City Code § 12-27 requires a floodplain permit before any construction, fill, grading, or manufactured-home placement inside a Special Flood Hazard Area on the City's FIRM maps. The application goes to the Floodplain Administrator, who is the City Engineer, and must show the proposed lowest-floor elevation and, for non-residential buildings, floodproofing certification from a registered engineer or architect.
What happens if I build in a Tempe floodplain without a permit?
The City Engineer sends written notice by certified mail describing the violation under § 12-25. If it isn't corrected within thirty days, the case goes to the City Attorney for misdemeanor prosecution under § 1-7, and the unpermitted work is treated as a public nuisance per se that the City can abate. Tempe can also ask FEMA to deny flood insurance on the property.
Which flood maps does Tempe use to define Special Flood Hazard Areas?
Section 12-20 adopts FEMA's Flood Insurance Study for Maricopa County, dated July 19, 2001 and revised February 8, 2024, along with the Flood Insurance Rate Maps dated September 18, 2020. Both documents are on file at Tempe City Hall, 31 E. Fifth Street, and govern which parcels fall inside a Special Flood Hazard Area subject to the permit requirement.

Sources & Official References

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