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Westminster, CO Environmental Rules: Flood Zones (2026)

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

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

Key Facts

Governing section
W.M.C. Section 11-8-13
Permit trigger
Any construction in 100-year floodplain
New residential lots
Barred entirely within floodplain
Prohibited materials
Buoyant, flammable, explosive materials
Enforcing official
Floodplain Administrator
Variance body
Director of Community Services / City Council

Summary

Westminster requires a floodplain development permit for any construction in a special flood hazard area, bars storage of flammable or buoyant materials in a floodplain, and prohibits new residential lots platted entirely within the 100-year floodplain, under Section 11-8-13.

(2)No development, use, fill, construction or alteration on or over any portion of a designated floodplain shall be permitted that would cause or result in any of the following:(a)The storage or processing of materials that in times of flooding are buoyant, flammable, explosive or otherwise potentially injurious to human, animal or plant life...(5)No new residential lot shall be platted if located entirely within the 100-year floodplain...(I)Establishment of Floodplain Development Permit: A floodplain development permit shall be obtained before construction or development begins within any 100-year floodplain area as established in the FIS.

View official code

Official source re-checked September 7, 2026: no newer edition of the code had been published (publisher’s edition: Code of Ordinances: Supplement 12).

Full Breakdown

S. Under Subsection (A), no development, fill, construction, or alteration on a designated floodplain may cause storage of materials that are "buoyant, flammable, explosive or otherwise potentially injurious to human, animal or plant life," disposal of solid waste, downstream debris hazards, or any obstruction that impairs flow capacity. Subsection (B)(5) bars platting any new residential lot located entirely within the 100-year floodplain, and any partial-floodplain lot must still meet every requirement of the chapter. Subsection (I) establishes the permit itself: it "shall be obtained before construction or development begins within any 100-year floodplain area as established in the FIS," and the application must include elevation certifications, flood-proofing engineering, and, where a watercourse or floodway would be altered, an analysis by a registered professional engineer.

The City reviews applications under Subsection (J) to confirm compliance, check for required federal and state permits such as a 404 permit or FEMA approvals, and, for floodway locations, confirm compliance with the additional floodway standards in Section 11-8-14. Subsection (K) further bars issuing a permit for new construction on land removed from the floodplain by a FEMA LOMR-F unless the lowest floor sits one foot above the prior BFE.

Violations & Fines

Building or filling within a designated floodplain without first obtaining a floodplain development permit, or in violation of the material-storage and lot-platting restrictions of Section 11-8-13, is enforced by the Floodplain Administrator; appeals or variance requests go to the Director of Community Services and ultimately the City Council under Section 11-8-18, which requires a showing of good and sufficient cause and exceptional hardship before any variance can be granted.

Frequently Asked Questions

Do I need a permit to build in a Westminster floodplain?
Yes. Section 11-8-13(I) requires a floodplain development permit before construction or development begins within any 100-year floodplain area established in the flood insurance study, including elevation and flood-proofing documentation.
Can I subdivide land for a new house entirely inside a Westminster floodplain?
No. Section 11-8-13(B)(5) states no new residential lot shall be platted if located entirely within the 100-year floodplain; a lot only partially inside the floodplain must still meet all chapter requirements.
Who enforces Westminster's floodplain development rules?
The Floodplain Administrator reviews and enforces permit applications under Section 11-8-13(J), and appeals or hardship variances go to the Director of Community Services and City Council under Section 11-8-18.

Sources & Official References

Other rules in Westminster

All Westminster rules

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