Fort McCoy

Marion County regulates accessory dwelling units on parcels in the unincorporated county through the Marion County Land Development Code (LDC), which addresses 'guest houses,' 'mother-in-law suites,' and 'farm labor housing / farm worker quarters' rather than 'accessory dwelling unit' by that precise term. Florida does not impose mandatory statewide ADU preemption — § 163.31771 Fla. Stat. is permissive only — so Marion County's framework is a genuine policy choice. As of 2026-04-20, Marion County permits a single accessory unit (guest house, mother-in-law suite, or farm-worker quarters) on single-family parcels subject to zoning-district-specific size caps (typically 750-1,500 sqft depending on parcel size and zoning class), setback conformance to the base zone, and utility-sharing requirements in R-1 / R-4 suburban districts. Marion County is Florida's horse country ('Horse Capital of the World' around Ocala) with extensive Agricultural (A-1) and Rural Residential (RR-1) zoning on parcels 5 acres and larger, where accessory farm-worker housing is treated more permissively than in suburban single-family districts. On A-1 parcels over 10 acres, multiple accessory dwellings tied to bona fide agricultural operation (horse farm labor, cattle operation, citrus grove workers) are permitted as an accessory agricultural use without counting against standard residential density. This agricultural-worker housing provision is the single most distinctive feature of Marion County's ADU landscape and drives substantially more total accessory-unit construction than the suburban guest-house provisions. Pending 2026 state legislation (SB 48 / HB 313) would preempt local bans of ADUs in single-family zones and cap local size limits at no less than 1,000 sqft if enacted; Marion County's framework is already largely conforming but its 750-sqft cap in some suburban districts would need to adjust upward.

• Marion County Land Development Code — zoning and accessory-structure provisions
• Marion County Comprehensive Plan — Future Land Use Element and Rural Lands policies
• Marion County Board of County Commissioners — agenda archive

State-floor overlay: Florida has no mandatory statewide ADU preemption. § 163.31771 Fla. Stat. is a permissive authorization only. Pending 2026-session bills SB 48 and HB 313 would preempt local bans of ADUs in single-family zones, preempt sub-1,000-sqft maximum caps, and preempt blanket owner-occupancy requirements if enacted by December 1, 2026; their 2025 predecessor cleared the Senate 37-0 and the House 97-10 before dying on a procedural dispute. For Marion County, enactment would push the county to revise the 750-sqft cap in R-1 suburban districts upward to at least 1,000 sqft; the A-1 and RR-1 provisions are already far more permissive than the pending state floor. The Live Local Act (SB 102 2023 / SB 328 2024) applies to commercial / industrial / mixed-use, not single-family ADUs. Florida HOA, condominium, and cooperative statutes (Ch. 718, 719, 720) do NOT preempt association-level ADU restrictions — and Marion County has several large master-planned communities (On Top of the World, Stone Creek, Oak Run, Del Webb Spruce Creek, World Equestrian Center residential) where HOA covenants are the binding constraint regardless of county zoning.

Marion County administers or co-administers several overlay regimes that materially affect ADU siting on unincorporated parcels: (1) the county's Farmland Preservation Area (FPA) overlay covering the core horse-farm corridor south and west of Ocala (approximately 140,000 acres), which caps density at 1 DU per 10 acres and strongly constrains subdivision of horse-farm parcels — accessory farm-worker housing is permitted but residential intensification beyond farm-labor needs is restricted; (2) FEMA Special Flood Hazard Areas (SFHA) along the Ocklawaha River, Withlacoochee River, Silver River, Rainbow River corridors and numerous sinkhole-lake perimeters (Marion County is in a karst-topography zone with thousands of sinkhole features); (3) Ocala National Forest Wildland-Urban Interface — the ONF occupies 673 square miles in eastern Marion County and the interface drives elevated wildfire-risk insurance treatment for homes along the forest fringe (though Florida Building Code does not have a California-Chapter-7A-equivalent WUI construction requirement); (4) Karst / sinkhole overlay requiring geotechnical investigation on parcels in identified high-risk zones; and (5) Florida Forest Service / Florida Aquifer Protection overlays for the Silver Springs / Rainbow Springs recharge areas (critical-recharge designations under the St. Johns River Water Management District and Southwest Florida Water Management District jurisdictions). Marion County is NOT a coastal county (no Gulf frontage, despite Dunnellon's Rainbow River proximity) so Wind Borne Debris Region and 170-mph-ultimate wind-load do NOT apply; 140-mph-ultimate is the standard basis.

• Marion County Farmland Preservation Area (FPA) Overlay — The Farmland Preservation Area covers approximately 140,000 acres in the core horse-farm corridor south and west of Ocala (essentially the I-75 corridor from SR 200 south through SR 484, and west toward Dunnellon). The FPA overlay caps residential density at 1 DU per 10 acres with strong design guidelines preserving agricultural character (no subdivision of horse farms into conventional residential lots). Farm-worker accessory dwellings tied to bona fide operations are permitted as an accessory agricultural use; residential guest houses unrelated to farm operation face tighter scrutiny. The FPA exists precisely because the Ocala horse industry is economically significant to Florida and to central Marion County; the overlay reflects a local policy consensus to resist developer pressure to fragment horse farms into residential subdivisions.
• FEMA Special Flood Hazard Areas (SFHA) — karst-country flood overlay — Marion County's SFHA coverage is dominated by sinkhole-lake perimeters, karst-feature depressional areas, and the Ocklawaha / Withlacoochee / Silver / Rainbow river floodplains. Unlike coastal counties, most SFHA-in-Marion is AE or shaded-X rather than VE. An accessory dwelling in an SFHA requires lowest-floor elevation to BFE plus Marion County's freeboard requirement, flood vents on enclosures, and anchoring. Marion County is a CRS Class 6 community. Karst-driven flooding is harder to predict than riverine flooding because sinkhole features can suddenly change local drainage — geotechnical review is often more consequential than SFHA review for parcels near identified karst risk.
• Ocala National Forest Wildland-Urban Interface (ONF WUI) — The Ocala National Forest covers 673 square miles of eastern Marion County. The WUI along the forest boundary runs through Salt Springs, Silver Springs Shores eastern fringe, Lynne, Fort McCoy, Ocklawaha, and into the Lake County line. Florida Building Code lacks a California-Chapter-7A-equivalent WUI construction chapter, so accessory dwellings in ONF-adjacent parcels are not forced to use ignition-resistant materials, boxed eaves, or Class A roofing by county code — but Florida Forest Service Firewise USA voluntary certifications and insurance carrier inspections increasingly look for defensible space (30-foot Zone 1, 100-foot Zone 2) on forest-fringe parcels. The 2025 spring wildfire season in Florida drove insurer focus here. Expect insurance-driven rather than code-driven WUI adaptations on forest-fringe accessory dwellings.
• Karst / Sinkhole Risk Overlay and Geotechnical Review — Marion County sits on the Eocene Ocala Limestone with extensive karst topography. Sinkholes, spring openings, and solution-cavity features cover thousands of parcels. The county's LDC requires geotechnical evaluation for new construction on parcels in identified karst-risk zones, and accessory dwellings are subject to this requirement. Typical geotechnical reports run $1,500-$5,000 for a residential accessory structure; a parcel with a confirmed sinkhole feature may require foundation modifications (compaction grouting, pier-and-grade-beam foundations, or specific setbacks from the feature). Florida statute § 627.706 requires insurers to offer sinkhole-loss coverage; Citizens Property Insurance Corporation's treatment of sinkhole claims in Marion County has been a persistent policy-market friction point.
• Silver Springs / Rainbow Springs Aquifer Recharge Overlays (SJRWMD / SWFWMD) — Marion County straddles the boundary between the St. Johns River Water Management District (east) and the Southwest Florida Water Management District (west). Both districts designate critical aquifer recharge areas around Silver Springs (Marion County's iconic first-magnitude spring) and Rainbow Springs (Dunnellon area). Accessory dwellings on recharge-area parcels face tighter septic-system standards, reduced-irrigation design expectations, and in some cases denial of new consumptive-use permits for irrigation wells. For accessory dwellings relying on on-site septic (most of rural unincorporated Marion County), Florida Department of Health septic permit gating is the practical constraint — recharge-area soil / setback requirements can foreclose some parcels from adding a second dwelling unit.

Marion County Building Safety Department (building plan review, inspections, CO issuance) and Marion County Growth Services Department (planning, zoning, development review) jointly serve as the ADU permit authority for parcels in the unincorporated county. Unincorporated Marion County covers approximately 1,520 square miles (about 95% of the county's 1,652 sqmi total land area), with only five small incorporated municipalities (Ocala — the county seat and largest, Belleview, Dunnellon, McIntosh, and Reddick) permitting their own ADUs independently. The unincorporated land area is dominated by large-parcel agricultural and rural-residential uses — horse farms south and west of Ocala, timber and cattle operations in the Ocala National Forest surround, and growing exurban subdivisions along US-27, US-441, and the I-75 corridor. Marion County is a CRS Class 6 community for NFIP purposes. The Building Safety Department administers Florida Building Code 8th Edition as amended, and the 170-mph-ultimate wind-load design basis of coastal Florida does NOT apply here — Marion County is an inland county with 140-mph-ultimate design (ASCE 7-22), dropping the impact-glazing and wind-mitigation construction premium significantly. Ocala's position as the nation's premier horse-breeding region drives a steady pipeline of farm-worker housing permits that is larger than the conventional suburban ADU pipeline.