Floodplain & Drainage
Understanding Floodplain Development
Building near a Hill Country creek or river starts with FEMA's Flood Insurance Rate Map (FIRM) — but flash-flood terrain like ours changes faster than federal maps get updated. The first real step is evaluating current floodplain data against the Special Flood Hazard Area (SFHA) and Base Flood Elevation (BFE) shown for your property, then gathering updated, on-the-ground topographic survey data to see how the site actually behaves in a storm event, not just how an outdated model predicts it will.
From there, development moves through permitting with the local floodplain administrator — the county or city office responsible for enforcing Texas Local Government Code Chapter 232 floodplain regulations. Depending on the site, that can include a Letter of Map Amendment (LOMA) or Conditional/final Letter of Map Revision (CLOMR/LOMR) if grading or fill will change the mapped floodplain. Once construction wraps up, the project closes out with an as-built survey and a FEMA Elevation Certificate — the document your lender, insurer, and building official will all eventually ask for.