FEMA flood zone rules in Waco, TX β also called floodplain regulations or special flood hazard area (SFHA) rules β determine flood insurance requirements and elevation standards for new construction.
Waco participates in the National Flood Insurance Program and regulates development in FEMA-designated flood zones. Properties in the floodplain must meet elevation and construction requirements.
Waco's floodplain management ordinance regulates construction and development in FEMA-designated Special Flood Hazard Areas (SFHAs). New construction and substantial improvements in flood zones must be elevated to or above the base flood elevation (BFE). The city requires floodplain development permits for all work in designated flood zones. Fill material in the floodway is restricted. Substantially damaged structures must be brought into compliance when rebuilt. Waco's primary flood risks are along the Brazos River, Bosque River, and their tributaries. Flood insurance is required for federally-backed mortgages on properties in SFHAs. The city's Development Services Department administers the floodplain ordinance.
Development without floodplain permits results in fines and stop-work orders. Non-compliant structures may be ordered removed or elevated.
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See how Waco's flood zones rules stack up against other locations.
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