All waterways can flood. Certain rivers and streams flood more often and with more potential damage. These flood hazard areas (regulated Floodplains) typically have at least a 1% chance of flooding in any given year—over a 30-year mortgage, that adds up to a 26% chance of being flooded at least once!
Flood hazard areas are subject to periodic inundation which results in loss of life and property, health and safety hazards, disruption of commerce and governmental services, extraordinary public expenditures for flood protection and relief, and impairment of the tax base, all of which adversely affect the public health, safety and general welfare.
Development:The division of a parcel of land into two or more lots; the construction, reconstruction, conversion, structural alteration, relocation or enlargement of any structure or use; any mining, excavation, landfill or land disturbance; any new use or extension of a permitted use; or the extension or alteration of the scope of a use, as well as the storage of equipment or materials.