Looking for answers from people building foundations near (not in) the 100 year floodplain. Does this trigger a floodplain build permitting process? Am I basically pigeonholed into a monolithic pour to avoid this? No one working on my foundation (excavators, concrete company etc) seems to know the answer or they think I should just "not worry about it".
My question is 100% a FEMA rules / what is allowed question. Not at ALL interested in whether I "should" or not. To dissuade your fears: This is a field in Montana near a creek that hasn't flooded the site in the last 100 years. I have some control over the flow in the creek. There are hundreds of houses around me, (many lower) which have never flooded (in 100 years). Even if this is all a terrible idea, I simply think it's worth the risk.
I DO care about the county or FEMA saying I did something wrong / making me change it. And, I DO care about a mortgage company forcing flood insurance (showing I am somehow in a floodplain) - pretty sure that won't happen however.
A picture says a thousand words:
Floor joists and the entire home and all electrical, 100% of everything is above the flood plain elevation.
I must: Apply for a permit for any modification or even moving a rock inside the 100 year floodplain. Does this count since I'm digging beneath it? The county did not specify and there no building permits in this county. They were adamant on proving my site is outside the 100 year floodplain (unless flood plain permitted).