Engineering Questions Texas Owners Actually Search
Every answer starts with the direct response, links the official government source so you can verify it yourself, and explains what the result means for your project — no contact forms required to read the answer.
Wind Speed, TDI Windstorm & Structural Questions
Design wind speed, ASCE 7 parameters, TDI catastrophe areas, and product approvals — how to look them up and when a structural engineer is required.
What is the wind speed for my property?
Your property's design wind speed is determined by the ASCE 7 standard and varies by location and building Risk Category. The ASCE Hazard Tool returns the official design wind speed for any address — the same values structural engineers use for design.
Official resource: ASCE Hazard Tool & wind speed guideImportant: The wind speed alone doesn't determine design — Exposure category, building height, and Risk Category also apply.
Related service: Structural Engineering Design
How do I find ASCE 7 design wind speed by address?
Enter your address in the ASCE Hazard Tool, select the code edition and Risk Category applicable to your building, and the tool returns the ultimate design wind speed, tornado speed (ASCE 7-22 and later), and related parameters.
Official resource: Hazard Assessment Tools GuideImportant: Risk Category II applies to most homes; assembly, essential-facility, and high-occupancy buildings use higher categories with higher wind speeds.
Related service: Structural Engineering Design
What ASCE 7 design parameters apply to my building?
Beyond wind speed, the governing parameters include Risk Category, Exposure Category (B, C, or D based on surrounding terrain), topographic effects, internal pressure, and the applicable code edition adopted by your jurisdiction. A licensed engineer confirms which combination governs your design.
Official resource: TDI Adopted Building Codes (windstorm areas)Important: Different jurisdictions adopt different code editions — the year matters for both wind and tornado provisions.
Related service: Structural Engineering Design
Is my property in a TDI catastrophe area?
The Texas Department of Insurance publishes the map of Designated Catastrophe Areas — the coastal and near-coastal counties where windstorm inspections and TDI certification apply to applicable construction. Check your county against the official TDI map.
Official resource: TDI Designated Catastrophe AreasImportant: Catastrophe-area requirements depend on the county, the construction type, and the scope of work — not every project in these counties requires TDI inspection.
Related service: Windstorm & TDI Inspection
Is this window, door, or roof product acceptable for a TDI windstorm project?
TDI maintains product evaluations and evaluation reports listing windows, doors, roofing, and other products that are acceptable for windstorm certification when installed per the manufacturer's instructions and the applicable TDI requirements. Search the product by manufacturer or approval number before you buy.
Official resource: TDI Product EvaluationsImportant: Product approval does not guarantee certification — installation, fastening, and the applicable code edition must also match.
Related service: Windstorm & TDI Inspection
Can my roof support a new HVAC unit?
Only a structural load analysis can answer this. An engineer checks the existing framing against the added dead load and wind uplift of the rooftop unit and designs curb, support, or reinforcement details if needed — most jurisdictions require PE-stamped calculations for the permit.
Important: Manufacturer equipment weights, curb details, and existing framing capacity all affect the answer.
Related service: Structural Engineering Design
Can I remove a load-bearing wall?
Yes — but only with a structural analysis and usually a permit. A licensed engineer evaluates the load path and designs the replacement beam, posts, connections, and any foundation support. Removing a load-bearing wall without engineering can cause serious structural damage.
Important: Some walls also carry plumbing, electrical, or HVAC routing that must be relocated.
Related service: Structural Engineering Design
Do I need a structural engineer for my permit?
Most Texas jurisdictions require PE-stamped structural drawings and calculations for commercial construction, additions, load-bearing modifications, and many foundation designs. Residential-only work is sometimes exempt — the permitting authority's requirements control.
Official resource: Smart Permit AssistantImportant: Requirements vary by city and county — confirm with the responsible jurisdiction before submitting.
Related service: Permit Support Services
Do I need structural calculations?
If your project involves structural framing, load changes, additions, or commercial construction, the permitting authority will almost certainly require structural calculations stamped by a licensed Professional Engineer as part of the permit submittal.
Important: Calculations must match the submitted drawings and the applicable code edition.
Related service: Structural Engineering Design
FEMA Flood Zone, BFE & Floodplain Questions
Flood zones, Base Flood Elevation, floodways, and FEMA map changes — the official lookups and when engineering analysis is required.
Is my property in a FEMA flood zone?
Enter your address in FEMA's Flood Map Service Center — it returns your official FIRM panel, flood zone (AE, X, VE, etc.), and the map's effective date. Zone X shaded/unshaded areas have lower risk; Special Flood Hazard Areas like AE carry mandatory purchase and construction requirements.
Official resource: FEMA Flood Map Service CenterImportant: The map shows the zone boundary at map scale — a professional floodplain determination may be needed for properties near a boundary.
Related service: Floodplain Engineering & FEMA Compliance
What is the Base Flood Elevation for my property?
The Base Flood Elevation (BFE) — the 1% annual chance flood level — is printed on your FIRM panel and viewable in FEMA's flood hazard layers. For construction, a surveyor or engineer locates the BFE relative to your site and, for loans or insurance, an Elevation Certificate documents it.
Official resource: FEMA Flood Map Service CenterImportant: BFE varies along a floodplain — never assume a neighbor's BFE applies to your lot.
Related service: Floodplain Engineering & FEMA Compliance
Can I build in a floodplain?
Yes, with a floodplain development permit from the local floodplain administrator. The structure must comply with NFIP and local ordinance requirements — typically elevating the lowest floor above the BFE or floodproofing for non-residential buildings.
Official resource: TWDB Flood Mapping ResourcesImportant: Local ordinances can be stricter than the minimum NFIP requirements — check the city or county ordinance, not just the FEMA map.
Related service: Floodplain Engineering & FEMA Compliance
Can I place fill in Zone AE?
Only with a floodplain development permit, and the fill must not raise flood levels on other properties and must be compacted and protected per the local ordinance. If the fill changes the flood zone for the structure, a LOMR based on fill is needed to reflect the change on the FEMA map.
Official resource: FEMA Letter of Map Change ProcessImportant: Placing fill without a permit can result in enforcement action and loss of insurance eligibility.
Related service: Floodplain Engineering & FEMA Compliance
Is my property in a floodway?
The regulatory floodway — the channel and adjacent land that must carry the 1% flood — is shown on FEMA's flood hazard layers and FIRM panels. Development in a floodway requires an engineering analysis demonstrating no rise in flood levels.
Official resource: HCFCD Interactive Mapping ToolsImportant: Floodway boundaries are not always intuitive — a small portion of a lot can fall inside one.
Related service: Floodplain Engineering & FEMA Compliance
Do I need a no-rise study?
If you build, fill, or place structures in a regulatory floodway, yes — the community requires an engineering no-rise analysis (typically HEC-RAS modeling) demonstrating the project causes no increase in base flood elevations before issuing a floodplain development permit.
Important: Encroachments that cause any rise are not permittable without a map revision.
Related service: Hydrology & Hydraulic Analysis
Do I need a CLOMR?
A Conditional Letter of Map Revision is FEMA's pre-construction review of a proposed project that would change the floodplain — new channels, large fill, or bridge/culvert modifications in a Special Flood Hazard Area. Many communities require the CLOMR before issuing the floodplain development permit.
Official resource: FEMA Letter of Map Change ProcessImportant: The CLOMR is conditional — after construction, a final LOMR updates the map.
Related service: Floodplain Engineering & FEMA Compliance
Do I need a LOMR?
A Letter of Map Revision officially changes an effective FEMA map — floodplain boundaries, BFEs, or floodways — based on constructed conditions. You need one after completing a project that modified the floodplain, or when better data shows the map is in error for your property.
Official resource: HCFCD LOMR Delegation ResourcesImportant: In Harris County, LOMR processing is delegated to the Flood Control District — the submittal requirements differ from a direct FEMA submittal.
Related service: Floodplain Engineering & FEMA Compliance
How do I change a FEMA flood map?
Through a Letter of Map Change: a LOMA (amendment using better elevation data) or a LOMR (revision based on fill or development). The FEMA Letter of Map Change process page explains forms, submittals, and fees for each path.
Official resource: FEMA Letter of Map Change ProcessImportant: A LOMA requires certified survey data; a LOMR requires engineering modeling and construction documentation.
Related service: Floodplain Engineering & FEMA Compliance
What flood data should I check before buying or developing land?
Check the FEMA flood zone and BFE, whether any part of the tract is in the floodway, local drainage patterns, and the community's floodplain ordinance. Texas' flood planning data hub provides statewide flood risk datasets beyond the FEMA maps.
Official resource: TWDB State Flood Planning Data HubImportant: Model-based local data (like HCFCD studies) can be more current than the effective FEMA panel.
Related service: Civil Engineering Consulting
Drainage Studies, Detention & Civil Permit Questions
Drainage studies, detention sizing, Atlas 14 rainfall, grading and site plan requirements — what triggers each and where the official criteria live.
Do I need a drainage study?
Most Texas jurisdictions require a drainage study when development increases impervious cover, changes site grades, or modifies runoff to a public system. The study demonstrates how stormwater is collected, conveyed, and mitigated per the local drainage criteria.
Official resource: Permit & Engineering Resource SearchImportant: Thresholds vary widely by jurisdiction — some trigger at any new impervious area, others at one acre.
Related service: Drainage Design & Stormwater Engineering
Do I need detention?
In most Texas cities and counties, yes — development that increases peak runoff must detain stormwater so post-development discharge does not exceed pre-development rates. The exact requirement is set by the local drainage criteria manual.
Official resource: HCFCD Hydrology & Hydraulics Guidance ManualImportant: Some jurisdictions waive detention for small sites or when an adequate regional facility exists.
Related service: Detention Pond Design
How much detention does my project need?
Detention is sized by hydrologic analysis: rainfall data, runoff coefficients, and routing through the proposed basin verify that the peak outflow meets the jurisdiction's allowable release rate. There is no universal size — the local criteria and your site's drainage area control.
Official resource: HCFCD Hydrology & Hydraulics Guidance ManualImportant: Atlas 14 rainfall depths have significantly increased detention volumes in much of Texas — older studies may under-size basins.
Related service: Hydrology & Hydraulic Analysis
What is Atlas 14 rainfall for my property?
NOAA's Precipitation Frequency Data Server returns the official point rainfall depths and intensities for your location — the data Texas agencies and local flood control districts now require for drainage design. In Harris County, HCFCD's Atlas 14 policy manual governs how the data is applied.
Official resource: NOAA Precipitation Frequency Data ServerImportant: Different jurisdictions adopted Atlas 14 on different schedules — confirm which rainfall standard your city applies.
Related service: Hydrology & Hydraulic Analysis
Where does stormwater from my property drain?
Your site drains to a watershed and an outfall — a ditch, channel, storm sewer, or bayou. Local flood control mapping tools show watershed boundaries, trunk systems, and where your runoff goes, which determines the drainage criteria that apply.
Official resource: HCFCD Interactive Mapping ToolsImportant: Drainage crossing property lines is a legal issue as well as an engineering one — diverted runoff can create liability.
Related service: Drainage Design & Stormwater Engineering
Do I need a grading permit?
Many Texas jurisdictions require a fill-and-grade or land disturbance permit for changing site grades, importing fill, or disturbing vegetation beyond a threshold. The permit reviews grading for drainage, erosion, and floodplain impacts.
Official resource: Houston Fill & Grade RequirementsImportant: This example is Houston-specific — each jurisdiction's fill-and-grade ordinance differs.
Related service: Grading & Drainage Plans
Do I need a site plan?
Commercial construction, additions, and most development projects require an engineered site plan showing layout, parking, access, drainage, and utility connections. Single-family homes on platted lots typically do not need a separate site plan.
Official resource: Smart Permit AssistantImportant: The site plan is usually the first permit document reviewed — errors there delay the whole permit set.
Related service: Site Plan Engineering & Permit Plans
What civil drawings are required for my permit?
A typical civil permit set includes a site plan, grading plan, drainage plan (with detention calculations if required), erosion control plan, utility plan, and profiles/details — all per the jurisdiction's design criteria. Our Guided Permit Finder lists what your specific jurisdiction commonly requires.
Official resource: Guided Permit FinderImportant: Civil plans must be sealed by a licensed Professional Engineer for submittal.
Related service: Construction Documents & Engineering Drawings
SWPPP, TCEQ Permits & Stormwater Quality Questions
Construction and industrial stormwater permits, SWPPP requirements, and the annual certifications that keep properties compliant.
Do I need an SWPPP (SWP3)?
Construction sites that disturb one or more acres (or are part of a larger common plan of development) must prepare a Stormwater Pollution Prevention Plan and obtain TCEQ Construction General Permit coverage before earthwork begins. The SWPPP documents your site's erosion and sediment controls and inspection program.
Official resource: TCEQ Stormwater General Permit for ConstructionImportant: Small sites under one acre can still be regulated when part of a common development plan.
Related service: SWPPP Preparation & Management
Does my industrial property need TXR050000 coverage?
Facilities with industrial activity exposed to stormwater may need coverage under TCEQ's Multi-Sector General Permit (TXR050000). TCEQ's 'Am I Regulated?' tool and sector guidance identify whether your SIC code and activities trigger coverage.
Official resource: TCEQ: Am I Regulated? (Industrial Stormwater)Important: No-exposure exclusions exist for facilities where industrial materials are fully protected from rainfall.
Related service: Stormwater Quality Inspection
What stormwater permit applies to my project?
It depends on the activity: construction requires Construction General Permit coverage, regulated industrial facilities need Multi-Sector General Permit coverage, and municipalities and large institutions operate under MS4 permits that impose requirements on developments within their boundaries.
Official resource: TCEQ Stormwater PermitsImportant: A project can be subject to a TCEQ permit and a local MS4 ordinance at the same time.
Related service: Stormwater Management Services
What is stormwater quality renewal?
Many jurisdictions require stormwater quality facilities — detention and water quality ponds, filters, and swales — to be inspected and re-certified annually. The renewal typically requires a PE-stamped certification that the facility still functions as designed.
Official resource: Houston Annual Engineer's Certification (SWQ)Important: This example is Houston's requirement — other cities have their own annual renewal forms and deadlines.
Related service: Stormwater Quality Permit Renewal
Do I need an engineer for annual SWQ certification?
Where jurisdictions require annual stormwater quality certification — such as the City of Houston — the certification must be signed and sealed by a licensed Professional Engineer who inspected the facility. The engineer documents deficiencies and required maintenance.
Official resource: Houston Annual Engineer's Certification (SWQ)Important: Missed renewals can trigger municipal violations and enforcement.
Related service: Stormwater Quality Inspection
MUD Districts, Water & Wastewater Questions
Which utility serves your property, when public sewer is required, and what engineering a water or wastewater extension takes.
Which MUD serves my property?
TCEQ's water district map viewer identifies the Municipal Utility District (MUD) serving any Texas address. The district determines your water and sewer provider, tap fees, and utility standards for development.
Official resource: TCEQ Water Districts Map ViewerImportant: MUD boundaries do not follow city limits — an address inside a city can still be served by a MUD.
Related service: Utility Design Engineering
Who provides water and sewer service to my property?
Service comes from a city utility, a MUD or other special district, or a private provider. The TCEQ water district viewer plus a call to the identified utility confirms who serves your address and whether capacity exists for your project.
Official resource: TCEQ Water Districts Map ViewerImportant: Some districts have moratoriums or limited plant capacity — confirm before closing on land.
Related service: Civil Engineering Consulting
Is public sewer available at my property?
Availability depends on the nearest gravity main, its capacity, and the utility's extension policy. The serving utility or MUD can confirm whether a connection is available or whether an extension — engineered and funded by the owner — is required.
Important: Availability letters from the utility are often required with development applications.
Related service: Sanitary Sewer Design
Do I need a lift station?
When gravity flow to the receiving sewer isn't feasible due to elevation or distance, a lift station and force main convey wastewater to the system. A hydraulic analysis by an engineer determines whether gravity service is possible and designs the pumping system when it is not.
Important: Lift stations add long-term maintenance and power costs — gravity alternatives are evaluated first.
Related service: Sanitary Sewer Design
Can I use septic instead of public sewer?
Where public sewer is available, most jurisdictions require connection rather than on-site septic (OSSF). Where OSSF is allowed, TCEQ rules govern authorized systems, site and soil evaluation, sizing, and licensing of the installer.
Official resource: TCEQ Wastewater System Design RulesImportant: County authorized OSSF programs administer permits and inspections.
Related service: Sanitary Sewer Design
What engineering is required for a water or wastewater extension?
Extensions require PE-designed plans meeting the TCEQ design rules and the owning utility's standards — mains, valves, hydrants, service connections, lift stations where needed — plus construction phase inspection and acceptance testing before the utility takes ownership.
Official resource: TCEQ Wastewater System Design RulesImportant: Each utility has its own design manual and review process on top of the state rules.
Related service: Utility Design Engineering
Soils, Wetlands, Jurisdiction & Land-Buying Questions
The checks that determine what a site can support — soils, wetlands, jurisdiction, TxDOT right-of-way — before you buy or build.
What soil type is on my property?
USDA's Web Soil Survey maps your tract's soil series — including expansive clays that drive Texas foundation design, drainage characteristics, and suitability for septic fields. Enter your address and draw the parcel boundary to see the soil report.
Official resource: USDA NRCS Web Soil SurveyImportant: Published soil maps are regional — a project-specific geotechnical boring program is required for foundation and pavement design.
Related service: Foundation Engineering Design
Is there a wetland on my property?
The USFWS National Wetlands Inventory mapper shows mapped wetlands near your site as a screening tool. Only a formal wetland delineation — performed by a qualified specialist and verified by the Army Corps — determines the actual jurisdictional boundary.
Official resource: USFWS National Wetlands Inventory MapperImportant: Mapped wetlands can be outdated, and unmapped wetlands can still exist — screening is not a determination.
Related service: Civil Engineering Consulting
What can I build on my property?
That depends on zoning or plat restrictions, setbacks, impervious cover limits, floodplain, easements, utility availability, and driveway access. A feasibility review combines these constraints into a buildable envelope before you commit to a design.
Official resource: Smart Permit AssistantImportant: Jurisdiction rules can conflict — the strictest applicable requirement governs.
Related service: Land Development Engineering
Which city or county has jurisdiction over my project?
Properties inside city limits are regulated by the city; unincorporated areas fall to the county, except inside a city's ETJ where the city's subdivision rules typically apply. The Smart Permit Assistant identifies the responsible permitting authority for an address.
Official resource: Smart Permit AssistantImportant: Annexations change jurisdiction over time — verify current boundaries, not old maps.
Related service: Permit Support Services
Is my property inside city limits or the ETJ?
The city limits / ETJ distinction determines which building code, permit process, and utility rules apply. City ETJ areas generally receive county permits until annexation, while the city's platting rules still apply to subdivisions there.
Official resource: Smart Permit AssistantImportant: Some developments request annexation or disannexation agreements for utility service — a long lead-time process.
Related service: Land Development Engineering
Is my property affected by TxDOT right-of-way?
TxDOT right-of-way maps show state highway corridors and planned expansions that can affect setbacks, access, and buildable area. Work within state ROW — including driveways and drainage outfalls — requires TxDOT permits.
Official resource: TxDOT Right-of-Way MapsImportant: Planned but unbuilt ROW expansions can restrict building even before acquisition.
Related service: Permit Support Services
What engineering should I check before buying commercial land?
Flood zone and BFE, drainage and detention obligations, utility capacity and extension costs, geotechnical conditions, wetlands and environmental constraints, ROW and access, and the permitting timeline. A due-diligence review identifies deal-breakers before closing.
Official resource: Site Feasibility Resource HubImportant: Utility capacity and drainage obligations are the two most common sources of surprise cost.
Related service: Civil Engineering Consulting
Architects, Commercial Permits & Accessibility Questions
Who can design your project, what a commercial permit set includes, and when TDLR accessibility review applies.
Do I need an architect?
Texas requires a licensed architect for most non-exempt commercial building design; single-family residences and certain agricultural or industrial buildings are generally exempt. Engineering components — structural, civil, MEP — are designed and sealed by Professional Engineers, coordinated with the architectural scope.
Official resource: Guided Permit FinderImportant: The exemption rules are scope- and occupancy-based — confirm before proceeding without an architect.
Related service: Permit Support Services
What drawings are required for a commercial permit?
A commercial permit set typically includes architectural plans, structural drawings and calculations, MEP plans, and civil plans (site, grading, drainage, erosion control) — each sealed by the appropriate licensed professional. The jurisdiction's submittal checklist lists the exact sheets.
Official resource: Guided Permit FinderImportant: Incomplete sets are the leading cause of plan-review delays.
Related service: Construction Documents & Engineering Drawings
What is required for a tenant build-out?
Interior build-outs usually need a building permit with architectural and MEP plans, and often structural details where framing changes. If the occupancy classification changes, a change-of-use review — including parking and accessibility recalculation — applies.
Official resource: Permit & Engineering Resource SearchImportant: Certificate of Occupancy cannot be issued until the build-out passes inspections.
Related service: Permit Support Services
Do I need a Certificate of Occupancy?
Yes — a CO is required before occupying a new building, a change of tenant in some jurisdictions, or any change of use. It confirms the building complies with the approved plans and applicable codes for its occupancy.
Official resource: Guided Permit FinderImportant: Moving in before the CO issues can void insurance and trigger penalties.
Related service: Permit Support Services
What is change of use?
A change of use occurs when a building's occupancy classification changes — for example, retail to assembly or office to medical. It triggers code review of egress, fire ratings, accessibility, parking, and utility capacity for the new occupancy, even with no construction.
Important: Some changes between similar occupancies are minor; others require substantial upgrades.
Related service: Permit Support Services
Does my project require TDLR/TAS review?
Texas projects with an estimated construction cost of $50,000 or more that involve architectural barriers must be reviewed and inspected for compliance with the Texas Accessibility Standards through TDLR's Elimination of Architectural Barriers program.
Official resource: TDLR Elimination of Architectural BarriersImportant: Registered accessibility specialists perform the reviews — plan approvals must be obtained before construction.
Related service: Site Plan Engineering & Permit Plans
What accessible parking and site requirements apply?
The 2012 Texas Accessibility Standards set the accessible parking counts, dimensions, slopes, access aisles, and exterior routes for your project, alongside the federal ADA standards. Site plans must integrate these requirements from the start.
Official resource: 2012 Texas Accessibility Standards (TAS)Important: Both TAS and ADA can apply — design to the stricter applicable provision.
Related service: Site Plan Engineering & Permit Plans
MEP Drawings, COMcheck & Energy Code Questions
Mechanical, electrical, and plumbing documentation and the energy compliance reports Texas permit reviewers require.
Do I need MEP drawings?
Commercial construction in Texas requires MEP permit plans — mechanical layouts, electrical power and lighting, and plumbing — sealed by licensed engineers. Residential projects need load calculations and code-compliant layouts even where full engineered sets are not mandated.
Official resource: Guided Permit FinderImportant: Some jurisdictions require deferred submittals for fire protection and fire alarm systems.
Related service: MEP Engineering Design
Do I need COMcheck?
Yes for most commercial permits — COMcheck is the DOE tool demonstrating envelope, lighting, and mechanical compliance with the adopted energy code (IECC/ASHRAE 90.1). Permit submittals typically include the COMcheck reports with the MEP set.
Official resource: DOE COMcheckImportant: The code edition in COMcheck must match the edition adopted by your jurisdiction.
Related service: MEP Engineering Design
Do I need REScheck?
For residential permits, REScheck demonstrates envelope compliance with the IECC — insulation values, window U-factors, and air sealing. Many Texas jurisdictions require the REScheck report with the building permit application.
Official resource: DOE REScheckImportant: Texas jurisdictions adopt different IECC editions — choose the correct one in the tool.
Related service: MEP Engineering Design
What electrical load calculations are required?
Permit sets include load calculations per the NEC — panel schedules, feeder and service sizing, and for commercial projects the connected vs. demand loads supporting the electrical design. These calculations are reviewed with the electrical sheets.
Important: Service upgrades often dictate construction sequencing — coordinate early with the utility.
Related service: MEP Engineering Design
Do I need HVAC load calculations?
Yes — cooling and heating load calculations (Manual J for residential; engineered load calcs for commercial) are required to size equipment and support the energy code submittal. Oversized equipment wastes energy and fails comfort reviews.
Official resource: DOE Building Energy Code Compliance ToolsImportant: Load calcs must reflect the actual envelope as designed, not defaults.
Related service: MEP Engineering Design
What plumbing drawings are required for a commercial permit?
Commercial permit sets include water supply and distribution, sanitary waste and vent, and where applicable gas, medical gas, and stormwater piping plans with fixture schedules — sealed by a licensed plumbing engineer as part of the MEP package.
Official resource: Guided Permit FinderImportant: Fixture unit counts tie to the water and sewer tap sizes — coordinate with the utility review.
Related service: MEP Engineering Design
Have a question this page didn't answer?
Our licensed Professional Engineers will review your project — floodplain, wind, drainage, stormwater, utilities, and permits — and tell you exactly what applies to your address.