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West Des Moines, IA Environmental Rules: Flood Zones (2026)

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

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

Key Facts

Permit required for
Any development in FW/FF/FP overlay districts
Administrator
City Building Official
Appeals/variances
Board of Adjustment
Elevation datum used
NAVD 1988
Violation classification
Municipal infraction, civil penalty
Continuing violation
Each day is a separate offense
Chapter amendments
Require prior Iowa DNR approval

Summary

In the City of West Des Moines, a floodplain development permit from the Building Official is required before any grading, filling, construction or placement of a factory-built home in the Floodway, Floodway Fringe or General Floodplain overlay districts. Skipping the permit is a municipal infraction with a civil penalty, and each day of noncompliance counts as a separate offense.

B. Floodplain Development Permit: ... 1. Permit Required: A floodplain development permit issued by the Administrator shall be secured prior to any floodplain development (any man-made change to improved and unimproved real estate, including but not limited to buildings or other structures, mining, filling, grading, paving, excavation or drilling operations), including the placement of factory-built homes. ... Violations of the provisions of this chapter or failure to comply with any of the requirements (including violations of conditions and safeguards established in connection with grants of conditional uses or variances) shall constitute a Municipal infraction as provided by title 1, chapter 4 of this Code. Any person who violates this chapter or fails to comply with any of its requirements shall be subject to the maximum civil penalty as provided by title 1, chapter 4 of this Code and State law. Each day such violation continues shall be considered a separate offense.

Full Breakdown

City Code chapter 8-8, Floodplain Management, adopted the Flood Insurance Rate Maps for Polk County and West Des Moines (panels including 19153C0295F through 0476F, dated February 1, 2019) as the Official Floodplain Zoning Map and divided the mapped area into three overlay districts under section 8-8-4: the Floodway (FW), Floodway Fringe (FF), and General Floodplain (FP) districts. Under section 8-8-8, the Building Official, acting as Administrator, must review every floodplain development permit application, confirm any required state or federal approvals (including from the Iowa Department of Natural Resources), record the elevation of the lowest floor of new or substantially improved structures in relation to the North American Vertical Datum of 1988, and inspect sites for compliance.

An application must describe the work, the land, the intended use, the base flood elevation, the lowest-floor or floodproofed elevation, and, for improved or rebuilt buildings, the estimated cost of the work against the building's pre-improvement market value. Uses within the mapped districts that are not permitted or permitted conditionally are prohibited unless the Board of Adjustment grants a variance. Amendments to the chapter cannot be undertaken without prior approval from the Iowa DNR (section 8-8-11). Section 8-8-10 makes any violation, including breach of a conditional use or variance safeguard, a municipal infraction under title 1, chapter 4 of the City Code, subjecting the violator to the maximum civil penalty allowed by that title and state law, with each day of continuing violation treated as its own offense.

Violations & Fines

Building or filling without a floodplain development permit, or breaching a conditional use or variance condition, is a municipal infraction under title 1, chapter 4 of the City Code. The Building Official can pursue the maximum civil penalty allowed under that title and state law, and each day the violation continues is a separate offense; the City may also pursue any other lawful remedy to stop or correct the work.

Frequently Asked Questions

Do I need a permit to build in a West Des Moines floodplain?
Yes. Section 8-8-8 requires a floodplain development permit from the Building Official before any man-made change to land in the mapped Floodway, Floodway Fringe or General Floodplain overlay district, including grading, filling, paving, excavation or placing a factory-built home.
What information does the permit application need?
Under section 8-8-8, applicants must describe the work and the land, state the intended use, and provide the base flood elevation plus the elevation of the lowest floor or floodproofed level measured to the North American Vertical Datum of 1988, along with cost estimates for any rebuild or improvement.
What happens if I develop in the floodplain without a permit?
Section 8-8-10 makes the violation a municipal infraction carrying the maximum civil penalty allowed under title 1, chapter 4 of the City Code and state law, with each day the violation continues counted as a separate offense.
Can I get an exception to build in a restricted floodplain district?
Only through a variance from the Board of Adjustment. Section 8-8-4 prohibits any use in the Floodway, Floodway Fringe or General Floodplain district that is not listed as permitted or permitted conditionally, unless the Board grants a variance.

Sources & Official References

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