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What Is a Floodway?

The floodway is the most restricted part of the floodplain. Understanding what it is, where it is, and how it affects your property is essential for anyone in or near a riverine flood zone.

Last updated: February 2026

What Is a Regulatory Floodway?

A regulatory floodway is the channel of a river or stream plus any adjacent floodplain areas that must remain open to carry floodwater. Under NFIP regulations (44 CFR 60.3), communities must designate and regulate floodways to ensure that the 1% annual chance flood (the base flood) can pass through without increasing the water surface elevation by more than a designated height. In most states, that limit is 1 foot.

The floodway is determined through hydraulic modeling. Engineers calculate the width of channel and floodplain needed to convey the base flood discharge. Any remaining area within the floodplain but outside the floodway is called the flood fringe.

Floodways are shown on FEMA Flood Insurance Rate Maps (FIRMs) as hatched or shaded areas along rivers and streams. On newer maps, the floodway is shown directly on the FIRM. On pre-1986 maps, floodways were shown on a separate document called the Flood Boundary and Floodway Map (FBFM).

Floodway vs. Flood Fringe

Floodway

  • Core channel that actively conveys floodwater
  • Higher water velocity and depth during floods
  • Development is effectively prohibited
  • No encroachment that would raise flood levels
  • Most dangerous area during a flood event

Flood Fringe

  • Floodplain area outside the floodway
  • Lower velocity, shallower flooding
  • Development is allowed with restrictions
  • Buildings must be elevated to or above the BFE
  • Still within the SFHA (insurance required)

Both the floodway and the flood fringe are within the Special Flood Hazard Area (SFHA). Flood insurance is required for federally-backed mortgages in both areas. The key difference is what you can build.

Development Restrictions in the Floodway

The NFIP imposes strict development restrictions in the floodway (44 CFR 60.3(d)). The fundamental rule is that no encroachment (including fill, new construction, substantial improvements, and other development) is permitted within the floodway if it would cause any increase in the base flood elevation.

In practice, this means almost all new construction in the floodway is prohibited. Even small structures or additions must be accompanied by a "no-rise certification" from a licensed engineer demonstrating that the proposed development will not raise flood levels at all. This is a high bar that most projects cannot meet.

Many communities adopt floodway regulations that are stricter than the federal minimum. Some prohibit all development in the floodway regardless of engineering analysis. Check with your local floodplain administrator for the specific rules in your community.

Where Floodways Are Mapped

Floodways are only designated in riverine flood zones where detailed engineering studies have been conducted. Not every flood zone has a floodway.

  • Zone AE: Floodways are typically designated along studied streams and rivers in Zone AE areas. This is the most common zone where you will see floodway boundaries on the FIRM.
  • Zone A: Because Zone A is studied by approximate methods only, no floodway is designated. However, communities must still review proposed development for potential flood elevation impacts.
  • Coastal zones (V, VE): Floodways do not apply to coastal areas. Coastal flooding is driven by storm surge and wave action, not channelized flow.
  • Zone X: Floodways are not designated outside the SFHA.

Where BFEs have been established but no floodway has been designated, communities must review all proposed development to determine whether it would cause increases in the BFE. The absence of a designated floodway does not mean the area is free from floodway-like restrictions.

What the Floodway Means for Property Owners

Property in the Floodway

If your property is in a designated floodway, new construction and substantial improvements are effectively prohibited unless a no-rise certification can be obtained. Existing structures can remain, but renovations that exceed 50% of the building's market value trigger compliance requirements. Flood insurance is required for federally-backed mortgages, and premiums tend to be higher due to the elevated risk.

Property in the Flood Fringe

If your property is in the flood fringe (SFHA but outside the floodway), you can build with restrictions. New construction must have the lowest floor at or above the BFE, use flood-resistant materials, and include flood openings below the BFE. Flood insurance is still required for federally-backed mortgages.

Buying Property Near a Floodway

Before purchasing property near a floodway, check the FIRM to determine whether any portion of the lot or structure falls within the floodway boundary. Remember: if any part of a building is in the higher-hazard area, the entire building is regulated under the more restrictive rules. Contact the local floodplain administrator for specific development constraints.

Related Resources

Sources

This page summarizes information from FEMA and other official resources in plain language. For full technical details, see the links below.

Sources last verified: February 2026

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