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Ocala, FL Hurricane Preparedness: Flood Elevation (2026)

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

Key Facts

Base standard
BFE plus 1 foot or ASCE 24
Critical facilities
BFE plus 2 feet minimum
Adopted under
F.S. § 553.73(5)
Enclosed areas
No finished rooms below design flood elevation
Residential floor
Same plus-1-foot rule, FBC R322.2.1

Summary

Ocala amends the Florida Building Code's flood provisions under City Code § 82-33, adopted under F.S. § 553.73(5). New buildings must be elevated to the base flood elevation plus 1 foot or the ASCE 24 standard, whichever is higher; new critical facilities like schools and hospitals need base flood elevation plus 2 feet. The Residential code sets the same plus-1-foot floor for lowest floors in flood hazard areas.

(a)This section is adopted pursuant to F.S. § 553.73(5) that authorizes technical amendments to the Florida Building Code relating to flood resistance in order to implement the National Flood Insurance Program or incentives. ... 1612.4.2 Elevation requirements. The minimum elevation requirements shall be as specified in ASCE 24 or the base flood elevation plus 1 foot (305 mm), whichever is higher. The minimum elevation requirements for new critical facilities, as defined in Chapter 90. Code of Ordinances of the City of Ocala. shall be the base flood elevation plus 2 feet (610 mm) or the elevation required by ASCE 24, whichever is higher. ... R322.2.1 Elevation requirements. 1.Buildings and structures in flood hazard areas not designated as Coastal A Zones shall have the lowest floors elevated to or above the base flood elevation plus 1 foot or the design flood elevation, whichever is higher.

Full Breakdown

Section 82-33 is the city's local amendment to the Florida Building Code's flood-resistance provisions, adopted under the authority the state grants municipalities in F.S. § 553.73(5) to implement or add incentives under the National Flood Insurance Program. The amendment rewrites Building Code Section 1612.4.2: the minimum elevation for a new building or structure is whichever is higher of the base flood elevation plus 1 foot (305 mm) or the elevation required by the referenced engineering standard, ASCE 24. New critical facilities, defined by reference to Chapter 90 and covering uses like schools, hospitals, police and fire stations, and hazardous-material sites, get a stricter floor: base flood elevation plus 2 feet (610 mm) or the ASCE 24 elevation, whichever is higher.

Section 82-33(b) also amends Section 1612.4.3 so that enclosed areas below the design flood elevation cannot be partitioned or finished into separate rooms, aside from stairwells, ramps and elevators, keeping those spaces limited to parking, storage or building access rather than livable space. The parallel amendment to the Florida Building Code, Residential, Section R322.2.1, sets the same plus-1-foot floor for the lowest floor of houses and other residential structures in flood hazard areas outside Coastal A Zones, with Coastal A Zone structures held to the same base-flood-plus-1-foot or design-flood-elevation standard.

Shallow-flooding AO Zones instead use the depth number on the FIRM plus 1 foot, or at least 3 feet if no depth number is specified. These elevation floors work alongside, not instead of, the floodplain permit process in Chapter 90, since a floodplain development permit is still required before any elevated construction can begin.

Violations & Fines

Building below the base-flood-plus-1-foot floor set by § 82-33's amendment to Section 1612.4.2, or below the plus-2-foot floor for critical facilities, is a Florida Building Code violation the city building official enforces alongside the floodplain administrator. Finishing an enclosed area below the design flood elevation into a livable room, rather than leaving it for parking, storage or access, breaches the amended Section 1612.4.3 and can hold up a certificate of occupancy.

Frequently Asked Questions

How high above flood level must a new Ocala building be built?
Section 82-33's amendment to Florida Building Code Section 1612.4.2 sets the minimum at the base flood elevation plus 1 foot, or the elevation required by ASCE 24, whichever is higher. The city's floodplain administrator and building official both check this figure during plan review.
Are hospitals and schools held to a stricter flood elevation standard in Ocala?
Yes. New critical facilities, defined by reference to Chapter 90 and including schools, hospitals, and police and fire stations, must be elevated to the base flood elevation plus 2 feet or the ASCE 24 elevation, whichever is higher, under § 82-33(b).
Can I finish the ground-floor garage under my elevated Ocala home?
No. Section 82-33's amendment to Section 1612.4.3 bars partitioning or finishing enclosed areas below the design flood elevation into separate rooms, other than stairwells, ramps and elevators, so the space has to stay limited to parking, storage or building access.
Does this elevation rule apply to my house differently than a commercial building?
The Florida Building Code, Residential amendment in the same ordinance, Section R322.2.1, sets the same base-flood-plus-1-foot floor for houses outside Coastal A Zones, with AO Zone homes instead using the map's depth number plus 1 foot or at least 3 feet if none is specified.

Sources & Official References

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