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Fencing near the Wissahickon, Sandy Run and Tookany: floodplains, Ida and what’s allowed

If your yard runs down to a creek, the fence question isn’t only how tall. It’s whether the township allows a fence there at all, and what the water will do to it when it comes up.

Updated · Reviewed by 76 Fence MontCo

Short answer

Most municipalities along the Wissahickon, Sandy Run and Tookany Creek restrict fences in the floodplain. Lansdale bans them outright, Cheltenham and Upper Moreland bar them from floodplains, swales and watercourses, Horsham and North Wales bar them from the floodway, and Lower Gwynedd’s floodplain district doesn’t list fences as a permitted use. Where a fence is possible, it should be open enough to pass water and debris. In Ida, the Wissahickon at Fort Washington reached 17.74 ft; it leaves its banks at about 12 ft.

Open split-rail fence running parallel to a wooded creek bank in a suburban backyard after a rain
Open split-rail fence running parallel to a wooded creek bank in a suburban backyard after a rain. AI-generated illustration

How high do these creeks actually get?

The Wissahickon watershed covers about 64 square miles. Its headwaters are in the Lansdale and Montgomery Township area, and it takes in North Wales, Ambler, Upper Dublin, Whitemarsh and about a dozen other municipalities before the creek reaches Philadelphia. The USGS gauge at Fort Washington State Park (01473900) is the number everyone along the creek watches. The creek leaves its banks at about 12 ft on that gauge, and roads start flooding at 12.9 ft.

StormWissahickon at Fort Washington
Tropical Storm Isaias, Aug. 4, 202015 ft
Remnants of Ida, Sept. 1, 202117.74 ft, near the gauge’s 18 ft maximum
Out of its banksAbout 12 ft
Roads floodAbout 12.9 ft

Wissahickon Trails, reporting the USGS Fort Washington gauge.

County officials put Ida’s rainfall at 8.25 in on average across Montgomery County. On that kind of day a backyard fence near the creek isn’t a privacy screen. It’s something in the current.

Sandy Run

Sandy Run rises in Dresher and Roslyn and runs about 6 miles through Abington, Upper Dublin, Springfield and Whitemarsh before joining the Wissahickon at Fort Washington State Park. After Ida, Upper Dublin’s township manager credited two dams built on Sandy Run about eight years earlier with likely preventing significant property loss. Downstream, Fort Washington Office Park is low enough to need vehicle rescues in floods; a $500,000 state grant in 2022 paid to replace the Bodenstein Channel culvert under Commerce Drive, which drains to Sandy Run.

Tookany Creek

Tookany Creek flows through Cheltenham into Philadelphia, and the township has a long history of flooding along it. A 2015 Army Corps of Engineers report blamed urbanization for more runoff and less creek capacity. Some Elkins Park residents built stone walls after repeated floods.

Can I put a fence in the floodplain? Township by township

Floodplain rules are written into each municipality’s zoning code, and they differ. Here is what we found for the creekside municipalities we serve:

MunicipalityFences in flood areas
Lansdale Borough (Wissahickon headwaters)No fences in the floodplain district, not even by special exception (§ 405-2604A)
North Wales BoroughNo permanent structures, fences included, in the floodway
Montgomery TownshipNo fences in floodplains or wetlands, or that interfere with stormwater flow
Lower Gwynedd (Gwynedd, Spring House, Penllyn)Floodplain Conservation District doesn’t list fences as a permitted use and prohibits freestanding structures; no tree or vegetation removal within 20 ft of a stream bank; DEP permit for work within 50 ft of the top of bank
HorshamNo permanent structures, fences included, in the floodway (§ 115-12A)
Ambler BoroughFences of materials that won’t impede floodwater are listed as special-exception uses in the FP district (§ 382-106), meaning a Zoning Hearing Board hearing
WhitemarshPermanent structures, fences included, prohibited in the Riparian Corridor Overlay except as needed for certain permitted uses (§ 116-260)
Cheltenham (Tookany)No fences in floodplains, swales or watercourses, and no fence may block stormwater flow from the site or a neighbor’s
Upper MorelandNo fence in a floodplain, swale or other watercourse, and none that blocks stormwater flow
TowamencinNo fence in an easement or a retention or detention basin
Upper Dublin (Sandy Run)We didn’t find a fence-specific floodplain provision in the sections we read; confirm with the township
Whitpain (Blue Bell)In the Floodplain Conservation District, fences parallel to the water flow are permitted; fences across the flow must be open post-and-two- or three-rail (PVC-coated welded wire no smaller than 2 x 4 in allowed), with plans approved by the Zoning Officer first (§ 160-171H)

Checked October 2026 from the codes listed under Sources. Floodplain maps and ordinances change; the zoning officer decides whether your lot is in the district.

Two practical points follow from that table. First, being near a creek isn’t the same as being in the floodplain district. The district boundary comes from the township’s flood maps, and the zoning officer can tell you whether your lot is in it. Second, swale and stormwater rules reach well beyond the creeks. In Cheltenham, Upper Moreland and Montgomery Township, a fence that blocks the drainage swale behind a row of houses can be a violation even if the nearest creek is half a mile away.

Lower Gwynedd’s 20 ft stream buffer

Lower Gwynedd deserves its own note because its larger, wooded lots along the Wissahickon and its tributaries often have a stream running through them. The township bars removing trees or vegetation within 20 ft of a stream bank, and work within 50 ft of the top of bank needs a DEP permit. Clearing brush to run a fence line down to the water is exactly what that rule stops. If the fence has to cross the property, we plan it to stay out of the buffer and work with the existing tree line.

If a fence is allowed near water, what kind?

Where the township does allow a fence in a flood-prone area, or where your yard sits just above the line and still takes water in big storms, the design should let water through instead of holding it back.

  • Open styles. Split rail, post-and-rail and aluminum picket fences pass floodwater and give debris fewer places to snag. A solid board or vinyl privacy fence acts like a dam: leaves, branches and trash pile against it, the water pushes harder, and posts fail.
  • Run it with the flow, not across it. A fence parallel to the creek catches less than one strung across the low point of the yard.
  • Keep the bottom open. A gap under the fence lets sheet flow pass during ordinary storms.
  • Plan for repair. Near water, choose a fence you can repair in sections. Rails and aluminum panels can be replaced one bay at a time.

The soil matters too. A post that sits in saturated ground for days loses its grip, especially in the clay and shale soils on the north side of our area. Concrete footings that are crowned at the top to shed water, set to at least the 36 in frost benchmark Montgomery Township uses for footings, hold up better than shallow posts.

A checklist for creekside yards

  1. Ask the zoning office whether your lot is in the floodplain, floodway or a riparian overlay.
  2. Find the swales and easements on your plot plan or deed; Towamencin, Cheltenham and Upper Moreland all restrict fences in them.
  3. Walk the yard after a heavy rain and note where water actually runs.
  4. Choose an open fence style if any part of the line crosses a low spot.
  5. Leave the stream-bank vegetation alone, especially in Lower Gwynedd.
  6. Call PA One Call (811) at least 3 business days before digging. Creekside yards often have sewer and storm lines.

Creekside lots are where we most want to see the yard in person before quoting. Bring up the creek when you book the free estimate and we’ll check the township’s floodplain rules for your address first.

Common questions

Will my homeowners insurance cover a fence lost in a flood?

Fences usually fall under the "other structures" part of a homeowners policy, but flood damage is often handled separately from wind. Read your policy or ask your agent; we can’t tell you what your coverage will pay. This isn’t insurance advice.

Can I replace a fence that was already in the floodplain before the rules changed?

Possibly, but don’t assume it. Replacement can count as new construction under some codes. Ask the zoning officer before removing the old fence.

Does a fence across a swale really matter if the creek is far away?

Yes. Cheltenham, Upper Moreland and Montgomery Township all bar fences that block stormwater flow, and a fence that dams a swale can push water onto a neighbor’s lot.

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