Unincorporated Story County, Iowa requires a zoning permit for all new construction and any change in use of land or a building1. The county zones all unincorporated land, with allowable uses set by district23. Septic systems and private wells go through the Story County Environmental Health Department45.
At a glance
- Building/zoning permit
- Required for all new construction and changes in use in unincorporated Story County1
- Zoning
- All unincorporated land is zoned; allowed uses depend on the zoning district23
- Septic
- Story County Environmental Health oversees domestic and commercial onsite wastewater4
- Wells
- A site review, construction permit and inspections are required for new private or geothermal wells5
- Owner-builder exemption
- Yes for contractor registration - working on your own property isn't 'contracting' under Iowa law, but permits and inspections still apply67
- Manufactured homes
- Allowed; must meet the same foundation, setback and minimum-size standards as a site-built home8
- RV or tiny-home living
- Private-land occupancy rules could not be confirmed; ask Planning and Development before relying on either use2
- Floodplain development
- A county permit is required in mapped special flood hazard areas9
Who to call
Building permits
Story County Planning and Development Department
Zoning permits, site plans, floodplain permits and inspections for unincorporated Story County
900 Sixth St., Nevada, IA 50201
Building permits
Story County Planning and Development Department - Applications and Permits
Explains which projects need a zoning permit and how to apply
Building permits
Story County Planning and Development Fee Schedule
Published fee schedule for zoning, subdivision, floodplain and other Planning and Development permits
Septic permits
Story County Environmental Health Department
Septic (onsite wastewater) permits, private well and geothermal well permits, site evaluations and time-of-transfer inspection report reviews
900 6th Street, Nevada, IA 50201
Septic permits
Story County Environmental Health Department - Wastewater/Septic Information
Explains state and county rules for private sewage disposal systems
Contact details are copied from each office’s official page and were checked against it on September 29, 2026.
Do you need a building permit in Story County, Iowa?
Unincorporated Story County requires a zoning permit for all new construction and any change in use of land or a building1. Most structures need permits, including dwellings, pole buildings, fences, decks and signs2. Even a portable structure needs a permit and must meet the setbacks that apply to its property lines10. Iowa does not impose one universal residential building-permit rule on every county; state-code coverage depends on the building and whether a local government has adopted the code11. We could not confirm that Story County has adopted a general building construction code, a general building-inspection requirement or a certificate-of-occupancy requirement, so ask Planning and Development which reviews apply to the proposed structure. Electrical permits and inspections are handled by the State of Iowa, not Story County12.
Who issues building permits in Story County, Iowa?
The Story County Planning and Development Department handles county zoning permits for unincorporated land13. Reach the department at 900 Sixth St. in Nevada, IA 50201, by phone at (515) 382-7245, or by email at [email protected]14. The county's online portal accepts commercial and residential zoning permits, floodplain permits, property-research requests, changes in use, sign permits and special-event permits13. Contact the department by phone or email for an application not offered through the portal13. The county publishes its zoning fees and fines in schedules identified as effective August 18, 202615. Because the county permit is a zoning approval, ask the department at the outset whether the particular project also needs any separate state review or trade permit.
Does Story County have zoning?
All of unincorporated Story County is zoned, and the county combines its zoning and subdivision rules in the Story County Land Development Regulations216. Those regulations divide land into districts and identify the uses allowed in each district, so a rural address alone does not establish that a house, tiny home or other use is allowed3. Required setbacks also vary by district and use10. Iowa law generally removes qualifying agricultural land and structures from county zoning while they remain used for agricultural purposes, but floodplain controls can still apply17. In the A-1 Agricultural District, a single-family lot may qualify for a one-net-acre exception to the usual 35-acre minimum only after a favorable Land Evaluation Site Assessment and, in the Ames Fringe Area, the required plan designation18. Land divisions are regulated too, so confirm subdivision status before assuming a larger parcel can be split19.
How do septic and well permits work in Story County?
The Story County Environmental Health Department has jurisdiction over domestic and commercial wastewater treatment for homes, small businesses and nonresidential outbuildings4. Iowa law also gives the Department of Natural Resources concurrent authority and requires county standards to be at least as stringent as state standards20. Only about 29% of Story County soils avoid severe limits for a conventional drain field, so obtain the site evaluation before budgeting for a standard system21. For a new installation, the contractor must give Environmental Health eight hours' notice before the final inspection, and the system cannot be covered until the department has inspected it and documented major components22. For many sales of properties served by private septic, Iowa requires a certified inspection before transfer; the inspection remains valid for two years, subject to statutory exceptions23.
Can you live in an RV or tiny home on your land in Story County?
We could not confirm a countywide rule allowing an RV or tiny home to be occupied on private land in Story County. All unincorporated land is zoned, allowable uses depend on the district, and even portable structures require permits and setbacks, so get a parcel-specific answer from Planning and Development before buying or moving a unit onto the site2310. Story County's seasonal camping rules apply only to designated Conservation Board campgrounds; they do not answer whether someone may live in an RV on a private parcel24. A manufactured home used as a permanent residence follows a clearer state rule: Story County cannot reject it solely because it is manufactured, but it must meet the foundation, setback and minimum-size standards that apply to a site-built house on the same lot8.
Building a home in Story County, Iowa: the steps, in order
- Ask Planning and Development to confirm the parcel's zoning district, allowed residential use, setbacks and whether a land division is needed31019.
- Check the flood map early; development in an unincorporated special flood hazard area requires a floodplain development permit9.
- Submit the residential zoning-permit application through the county's online portal and check the current published fee schedule1315.
- Apply to Environmental Health for septic approval and, if needed, a private-water or geothermal-well permit; a new well requires a site review, permit and inspections45.
- Arrange electrical permits and inspections through the State of Iowa because Story County does not perform them12.
- Keep a new septic system uncovered until Environmental Health completes its final inspection22.
What should you check before buying land in Story County, Iowa?
Soils and septic: only about 29% of Story County soils avoid severe limits for a conventional drain field, so make septic feasibility a purchase contingency21. Water: a new private or geothermal well requires a county site review, construction permit and inspections; the permit application fee is $1505. Flood: development in mapped special flood hazard areas of unincorporated Story County requires a county floodplain permit9. Access: an entrance onto an Iowa primary highway needs Iowa DOT district approval before work begins25. Lot status: Story County regulates subdivisions, and the A-1 district's one-net-acre residential exception has specific land-assessment conditions1918. Taxes: the effective property-tax rate is about 1.5%, with a median annual bill near $3,5862627.
Watch-outs
- Story County's public-campground season and stay limits do not establish a right to occupy an RV on private land; ask Planning and Development for a parcel-specific answer242.
- A new septic installation must remain uncovered until Story County Environmental Health performs the final inspection22.
- A qualifying agricultural use can be exempt from county zoning, but the A-1 district's smaller residential-lot exception has separate assessment conditions and should not be assumed from an agricultural address alone1718.
Sources
- Applications and Permits, quoted and re-checked
- Applications and Permits, quoted and re-checked
- Development Regulations, quoted and re-checked
- Wastewater/Septic Information, quoted and re-checked
- Installing Private Water Supply and Geothermal Wells, quoted and re-checked
- Iowa Code 2026, Chapter 91C — Construction Contractors (2026 county census)
- Iowa Code 2026, Chapter 91C — Construction Contractors (Iowa statewide rule), quoted and re-checked
- Iowa Code §335.30, Manufactured and modular homes (Iowa statewide rule), quoted and re-checked
- Administrative Procedures for Floodplain Management and Regulation, quoted and re-checked
- Applications and Permits, quoted and re-checked
- Building Code Plan Review (Iowa statewide rule), quoted and re-checked
- Story County Planning and Development Department - Applications and Permits (storycountyiowa.gov)
- Applications and Permits, quoted and re-checked
- Story County Planning and Development Department (storycountyiowa.gov)
- Applications and Permits, quoted and re-checked
- Development Regulations, quoted and re-checked
- Iowa Code 2026, Chapter 335 — County Zoning (Iowa statewide rule), quoted and re-checked
- Land Evaluation Site Assessment, quoted and re-checked
- Development Regulations, quoted and re-checked
- Iowa Code §455B.172, Jurisdiction of department and local boards (Iowa statewide rule), quoted and re-checked
- Share of soils without severe limits for a conventional septic drain field (USDA SSURGO): Bolthole Index county data
- Getting Ready for Your New Septic System, quoted and re-checked
- Iowa Code §455B.172, Jurisdiction of department and local boards (Iowa statewide rule), quoted and re-checked
- Camping, quoted and re-checked
- Access Management (Iowa statewide rule), quoted and re-checked
- Effective property tax rate: Bolthole Index county data
- Median property tax bill: Bolthole Index county data
Written September 29, 2026 from the rules quoted below, each taken from an official source and re-checked by an independent reviewer. This is research, not legal advice: rules change, so confirm with the office before you buy or build.