The Town of Greeneville Floodplain Ordinance
& Floodplain Development Permit Application
can be located under Forms & Downloads
In the face of mounting flood losses and escalating costs of disaster relief to U.S. taxpayers, Congress established the National Flood Insurance Program (NFIP)
in 1968. The goals of the program are to reduce future flood damage through floodplain management and to provide people with flood insurance. Federal Emergency Management Agency (FEMA)
operates the NFIP for communities to establish floodplain areas and qualify for reduced flood insurance rates.
Community participation in the NFIP is voluntary although some states require NFIP partnership as part of their floodplain management programs. The Town of Greeneville participates in the National Flood Insurance Program (NFIP).
There are nearly 400 communities in Tennessee that participate in the NFIP. FEMA guidelines strictly regulate any form of construction or development within a regulatory floodplain. A developer must demonstrate that there are no impacts to the flood water surface elevations using FEMA application forms and analysis requirements as shown on the FEMA website. For this reason, it is very difficult and costly to develop within or near a floodplain. In addition to FEMA requirements, any proposed work within a stream typically requires permits from TDEC and the U.S Army Corps of Engineers.
Flood Zones are land areas identified by FEMA. Each flood zone describes that land area in terms of its risk of flooding. Everyone lives in a flood zone. It's just a question of whether you live in a low, moderate, or high risk area.
Land areas that are at high risk for flooding are called Special Flood Hazard Areas (SFHAs), or floodplain. These areas are indicated on Flood Insurance Rate Maps (FIRMS). A home located within an SFHA has a 26% chance of suffering flood damage during the term of a 30-year mortgage. In high risk areas determined by FEMA and communities participating in the NFIP, mandatory flood insurance purchase requirements apply to all A Zones.What are the different zones located on FEMA maps?ZONE A
Areas with a 1% annual chance of flooding and a 26% chance of flooding over the life of a 30-year mortgage. Because detailed analyses have not been performed in zone A, no depths or base flood elevations are shown within these zones.ZONE AO
River or stream flood hazards areas, and areas with a 1% or greater chance of shallow flooding each year, usually in the form of sheet flow, with an average depth ranging from 1 to 3 feet. These areas have a 26% chance of flooding over the life of a 30-year mortgage. Average flood depths derived from detailed analyses are shown within these zones.ZONE AE & A1-A30
Areas with a 1% annual chance of flooding and a 26% chance of flooding over the life of a 30-year mortgage. In most instances, base flood elevations derived from detailed analyses are shown at selected intervals within these zones.ZONE AR
Areas with temporarily increased flood risk due to the building or restoration of a flood control system (such as a levee or dam). Mandatory flood insurance purchase requirements will apply, but rates will not exceed the rates for unnumbered A zones if the structure is built or restored in compliance with AR floodplain management regulations.ZONE AH
Areas with a 1% annual chance of shallow flooding, usually in the form of a pond, with an average depth ranging from 1 to 3 feet. These areas have a 26% chance of flooding over the life of a 30-year mortgage. Base flood elevations derived from detailed analyses are shown at selected intervals within these zones. ZONE A99
Areas with a 1% annual chance of flooding that will be protected by a Federal flood control system where construction has reached specified legal requirements. No depths or base flood elevations are shown within these zones.Non-Special Flood Hazard Area (NSFHA)
Non-Special Flood Hazard Area (NSFHA) is an area that is in a low-to moderate-risk flood zone (ZONES B, C, X Pre- and Post FIRM). An NSFHA is not in any immediate danger from flooding caused by overflowing rivers or hard rains.Moderate to Low Risk Areas
In Communities that participate in the NFIP, flood insurance is available to all property owners and renters with moderate to low risk.ZONES B, C, X
Areas outside the 1% annual chance floodplain, areas of 1% annual chance sheet flow flooding where average depths are less than 1 foot, areas of 1% annual chance stream flooding where the contributing drainage area is less than 1 square mile, or areas protected from the 1% annual chance flood by levees. No Base Flood Elevations or depths are shown within this zone. Insurance purchase is not required in these zones.