Land Use & Zoning

In Montana, a 'floodplain overlay zone' in a local zoning ordinance typically:

AEncourages development in flood-prone areas
BImposes additional restrictions on development in FEMA-designated flood hazard areas to minimize flood damage✓ Correct
COnly applies to commercial properties near rivers
DEliminates the need for flood insurance

Explanation

Floodplain overlay zones impose additional development restrictions (elevation requirements, flood-proofing, and limitations on certain uses) on properties in FEMA-designated Special Flood Hazard Areas (SFHAs), typically shown as Zone A or AE on FEMA flood maps.

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