Ensuring That Structures Built on Fill In or Near Special Flood Hazard Areas Are Reasonably Safe From Flooding in Accordance with the National Flood Insurance Program [open pdf - 846KB]
"For the purpose of administering the National Flood Insurance Program (NFIP), FEMA identifies and maps flood hazard areas nationwide by conducting flood hazard studies and publishing Flood Insurance Rate Maps (FIRMs). These flood hazard areas, referred to as Special Flood Hazard Areas (SFHAs), are based on a flood having a 1-percent probability of being equaled or exceeded in any given year (also referred to as the 100-year flood or Base Flood). Structures within the SFHA in a community participating in the NFIP are subject to floodplain management regulations that impact building standards and are designed to minimize flood risk. For example, Title 44, Part 60, Section 3(c)(2) of the Code of Federal Regulations--abbreviated as 44 CFR 60.3(c)(2)--requires that the lowest floor of a residential structure, including basement, built within the SFHA be at or above the Base Flood Elevation (BFE). In addition, flood insurance must be purchased for these structures if they are used as collateral to secure a loan provided by a federally regulated lender. Flood insurance coverage may be purchased for all eligible structures within a participating community. Insurance rates for structures located within the SFHA differ from the rates for structures located outside the SFHA. […]. This bulletin provides guidance on the construction of buildings on land elevated above the BFE through the placement of fill. Several methods of construction are discussed, and the most prudent-- those that result in the entire building being above the BFE--are recommended."
Technical Bulletin 10-01
Federal Emergency Management Agency: http://www.fema.gov/