Wisconsin FEMA Flood Zone Rules (2026)

Key Facts

Code: NR 116 / Wis. Stat. 87.30
Floodway homes: Prohibited
Freeboard: 2 feet above BFE
Substantial improvement: 50% market value

Full Breakdown

Under Wis. Stat. section 87.30 and Wis. Admin. Code NR 116, all communities with FEMA-mapped floodplains must adopt and enforce floodplain zoning ordinances. New residential structures are prohibited in floodways, and structures in flood fringe areas must have lowest floors elevated at least two feet above the base flood elevation. Substantial improvements (50 percent or more of market value) trigger full code compliance. The DNR reviews and approves all local floodplain ordinances and amendments. Failure to adopt compliant zoning can result in suspension from the National Flood Insurance Program, eliminating federally backed flood insurance for residents.

Violations & Penalties

Unpermitted construction in a floodplain may require removal, daily forfeitures, NFIP suspension for the community, and personal liability for damages caused to neighboring properties.

Frequently Asked Questions

Can I build a house in a Wisconsin floodway?

No. NR 116 prohibits new residential structures in mapped floodways. Limited accessory and water-dependent uses may be allowed with strict conditions.

How high must my home be in the flood fringe?

The lowest floor, including basement, must be at least two feet above the base flood elevation. Fill placement and openings must also meet NR 116 requirements.

What is a substantial improvement?

Any repair, reconstruction, or addition costing 50 percent or more of the structure's market value. It triggers full floodplain code compliance for the entire structure.

Wisconsin Floodplain Zoning Mandate Under NR 116

Key Facts

Full Breakdown

Violations & Penalties

Frequently Asked Questions

Sources

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