Is a Kawartha Lakes address in a regulated flood area, and whose map says so?

Each authority's own pages name the City of Kawartha Lakes: it is one of Kawartha Conservation's six municipal partners and one of Otonabee Conservation's eight member municipalities, and it is among the municipalities the Ganaraska Region Conservation Authority's watersheds cover in whole or in part and the areas the Lake Simcoe Region Conservation Authority's jurisdiction includes. The City's additional units page says the city is covered by more than one authority and points to the CA Maps viewer. Kawartha Conservation's online mapping tool shows whether a property falls in its regulated area, flood plains included, and a property information request names the regulated features on a lot; Otonabee Conservation, the Ganaraska Region authority and the Lake Simcoe Region authority each have their own address lookup.

Kawartha Conservation says a permit is needed for development in its regulated area, that its permit can go to the municipality's building department, and that a project needing its permit most likely needs a permit from the municipality too. A regulated-area result governs permits; it is not a forecast that a home will flood, and a home outside the mapped area can still take water through a basement. Under the Conservation Authorities Act as amended in 2026, Kawartha Conservation, Otonabee Conservation and the Ganaraska Region authority are to join the Eastern Lake Ontario Regional Conservation Authority, and the Lake Simcoe Region authority the Lake Huron Regional Conservation Authority, on 1 February 2027 or a later date set by regulation.

• Kawartha Conservation: property mapping: the authority's online map of its regulated area and flood plains
• Kawartha Conservation: apply for a permit: permits, property information requests and the municipal permit
• Kawartha Conservation: about us: its six municipal partners, the City of Kawartha Lakes among them
• Otonabee Conservation: regulated areas mapping: the authority's address search and what its maps show
• Otonabee Conservation: board and governance: its eight member municipalities, the City of Kawartha Lakes among them
• Ganaraska Region Conservation Authority: the seven municipalities its watersheds cover, the City of Kawartha Lakes among them
• GRCA: search your property: the authority's mapping tool for its regulated areas
• LSRCA: planning: the municipalities the authority's jurisdiction includes
• LSRCA: for realtors: the authority's property lookup and what regulated land means
• Additional residential units: the City's page, which points to conservation authority mapping
• Bill 97, Plan to Protect Ontario Act (Budget Measures), 2026: Schedule 3 amends the Conservation Authorities Act; the transition date is 1 February 2027 or a later date set by regulation
• Regional conservation authority boundaries (ERO 025-1257): the Province's decision of 10 March 2026 on which authority joins which of the nine regional authorities
• Ontario Regulation 41/24: Prohibited Activities, Exemptions and Permits, the regulation behind every conservation authority's regulated area

Conservation-authority regulated-area and flood plain checks are not currently included in our reports, so for a Kawartha Lakes home the authority's own map is the place to look. The full report's water and flooding group does cover past floods seen by satellite, nearby creeks, rivers and ponds, and mapped wetlands for any Kawartha Lakes address.

What we cover, city by city See the sample report