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Low Risk is Not No Risk
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Check your flood zone designation at NC FRIS:

New flood maps for Dare County become effective on June 19, 2020.  The updated flood maps feature significant changes from the 2006 flood maps. Many properties were 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.

Use this link to compare the 2006 maps to the new 2020 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 your 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.   

In response to the maps, Dare County adopted a local elevation standard to use in conjunction with the flood maps. The local elevation standard (LES) applies additional freeboard amounts in AE flood zones and establishes a regulatory flood elevation level for Shaded X and X zones where the natural grade is below 8 feet. These regulations apply to the unincorporated areas of Dare County which include Martin's Point, Colington, the Mainland villages, Roanoke Island (outside of the Manteo town limits) and Hatteras Island.       

The local towns of Manteo, Nags Head, Kill Devil Hills, Kitty Hawk, Southern Shores and Duck also adopted consider similar regulations.  For information on their regulations, you should contact the town directly. 

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