Federal Floodplain Regulations
In 1973, Congress passed the National Disaster Protection Act which prohibited most types of Federal assistance for acquisition or construction of buildings in the floodplains to communities that did not join the National Flood Insurance Program (NFIP). It required buildings located in identified floodplains to have flood insurance coverage as a condition for receiving Federal financial assistance (mortgages, loans) from federally insured or regulated lenders. It also made it a mandatory requirement for communities to join the NFIP if they wanted to receive federal disaster assistance.
According to the NFIP, communities must adopt and enforce floodplain management regulations that meet or exceed the minimum NFIP building and development requirements. These are found in Chapter 44 of the Code of Federal Regulations (44 CFR). Most of the building and development requirements are in Sections 59 and 60. Federal levee certification requirements can be found in Section 65.10.
County of Ventura (Unincorporated) Floodplain management Ordinance 4521, and amendments thereto
The purpose of Floodplain Management Ordinance 4521 is to promote the public health, safety and general welfare, and to minimize public and private losses due to flood conditions within Special Flood Hazard Areas, also referred to as the 1% annual chance floodplain (formerly referred to as the 100-year floodplain). The Ordinance is intended to achieve the following:
(a) To restrict or prohibit land uses and activities which are dangerous to health, safety and property due to water or erosion or flood height, or velocities;
(b) To require land uses and activities that are vulnerable to floods, including facilities that serve such uses and activities, to be protected against flood damage at the time of initial construction;
(c) To control the alteration of natural floodplains, stream channels, and natural protective barriers which help accommodate or channel flood waters; and
(d) To control filling, grading, dredging, and other types of development in order to prevent increasing the risk of flooding to other areas within and outside of the floodplain.