FEMA flood zone rules in Wright County, MN — also called floodplain regulations or special flood hazard area (SFHA) rules — determine flood insurance requirements and elevation standards for new construction.
The Mississippi River floodplain and lakeshore flood zones fall under Wright County and city floodplain ordinances and the NFIP. Structures must sit above the base flood elevation, with one foot of freeboard.
Wright County and its cities participate in the National Flood Insurance Program and enforce floodplain ordinances built on Minnesota's model rules (MN Rules Ch. 6120). The Mississippi River corridor along the county's north edge at Monticello, Otsego, and Clearwater carries the widest Special Flood Hazard Area, and lakes such as Pelican, Buffalo, and Sugar have mapped flood zones. New and substantially improved structures must have their lowest floor at least one foot above the base flood elevation — Minnesota's required freeboard. Fill and structures are barred in the floodway. Flood insurance is required for federally backed mortgages in the flood zone.
Building below the required flood elevation or filling the floodway forces retroactive compliance, removal, and fines. Losing NFIP compliance can trigger higher lender-placed flood insurance.
Other ordinances people look up for this city. Green dot = verified primary-source excerpt.
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See how Wright County's flood zones rules stack up against other locations.
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