Low Risk is Not No Risk
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The State of North Carolina and FEMA have released updated flood maps for all of Dare County. Flood maps serve as the cornerstone for floodplain management. The current flood maps for Dare County were adopted in 2006. Flood maps are generally updated every 10 years or so by FEMA. It is a lengthy process that takes months - sometimes years - to complete.  This process is set by federal law and Dare County does not have input or control of how long the process takes to complete.

The updated flood maps feature significant changes from the 2006 flood maps.

  • Many properties will be re-classified as Shaded X or X zone properties, which are considered low-risk zones.
  • Other properties that remain in a flood zone, such as the AE flood zone, may have a lower base flood elevation.

For example, a property designated AE8 on the 2006 maps may be designated as AE4 on the updated maps.

What does this mean for you?

Potential cost savings on your flood insurance policy. Talk to your insurance agent about how your flood insurance rate is set and what savings you may realize once the updated maps are adopted.     

What does this mean for the community? 

Flood maps only depict those areas subject to a 1% annual chance of flooding and do not reflect other flooding sources such as heavy rainfall or elevated groundwater levels. Floods can happen anywhere. Natural hazards and storms are a part of living on the Outer Banks and the sustainability of our community depends on managing flood hazards from all sources.  Dare County and its Towns recognize the importance of protecting our infrastructure, our homes and our businesses. We have joined efforts to educate the public on how to protect your home from flooding, to raise awareness on the importance of flood insurance, and to develop local elevation standards to protect our community for future generations.   

1 inch of Water Damage Equals 21,000 in Property Damage