Short answer: Wisconsin requires floodplain zoning by state law, not just for NFIP participation. Under Wis. Stat. 87.30, communities must adopt a reasonable and effective floodplain ordinance within one year after adequate hydraulic and engineering data become available. Local ordinances must meet NR 116 minimums, which also reach DNR-mapped flood storage areas, along with federal NFIP rules.
This guide is general information for Wisconsin property owners and renters about flood risk and the National Flood Insurance Program. It isn't a coverage determination. FEMA maps, your community's floodplain ordinance and your policy wording control.
State-mandated floodplain zoning
The Wisconsin DNR's Regulations and ordinances page explains that communities are required under s. 87.30, Wis. Stats. to adopt a reasonable and effective floodplain ordinance within one year after hydraulic and engineering data adequate to formulate it become available. Ordinances must meet ch. NR 116, Wis. Admin. Code and, for NFIP communities, 44 CFR 59-72. DNR publishes a model ordinance.
Flood storage areas
NR 116 and NFIP standards apply both in areas FEMA mapped for the base flood and in areas the DNR mapped for flood storage. Wisconsin communities can adopt higher standards. Before buying or building near a river or lake, ask the county or municipal zoning office whether the lot is in a FEMA zone or a DNR flood storage district.
Coverage
Most Wisconsin property policies exclude flood. Quote NFIP through FloodSmart. Spring snowmelt doesn't wait for the usual 30-day NFIP waiting period, so buy in winter.
Questions? Contact Alishahi Insurance or call (877) 711-4545. See insurance in Wisconsin.
Frequently asked questions
Does Wisconsin require floodplain zoning?
Yes. Wis. Stat. 87.30 requires an ordinance within one year after adequate data are available, meeting NR 116.
What is NR 116?
Wisconsin's floodplain management administrative code setting minimum local ordinance standards.
Do Wisconsin rules cover DNR flood storage areas?
Yes. Areas mapped by DNR for flood storage are regulated along with FEMA-mapped areas.
Alishahi Insurance · 439 N Canon Dr, Penthouse, Beverly Hills, CA 90210 · (877) 711-4545 · CA License #4348151. General information only. This isn't legal, tax or financial advice or a coverage determination. Coverage depends on policy language and underwriting, and rules vary by state.