Flood Zones: Apex vs Cary

Is my Apex property in a flood zone?

Check the effective FEMA FIRM through the North Carolina Flood Risk Information System at fris.nc.gov, the Town of Apex Flood page at apexnc.org/285/Flood, or by calling the Apex Planning Department at (919) 249-3426. Properties along Beaver Creek, Middle Creek, and the unnamed tributaries draining to Jordan Lake (Upper New Hope arm) are most commonly mapped inside Special Flood Hazard Areas. North Carolina's regulatory flood protection elevation is generally 2 feet above the Base Flood Elevation for non-coastal communities, including Apex.

What permits do I need to build in an Apex flood zone?

A Floodplain Development Permit under Section 6.2.7 of the Apex Unified Development Ordinance for any development inside a FEMA Special Flood Hazard Area — that includes new construction, additions, substantial improvements, grading, filling, and accessory structures. The lowest floor of any new or substantially improved residential structure must sit at or above the regulatory flood protection elevation (typically BFE plus 2 feet of freeboard in non-coastal NC). Substantial improvement or substantial damage equal to 50% or more of the pre-improvement market value triggers full-compliance reconstruction. Apply through the Apex Planning Department at (919) 249-3426.

Is my property in a flood zone in Cary, NC?

Check FEMA's Flood Map Service Center or contact Cary's Engineering Department. Areas along Swift Creek and Crabtree Creek are common flood zones.

Do I need flood insurance in Cary?

If your property is in a Special Flood Hazard Area with a federally-backed mortgage, flood insurance is required. Cary's CRS participation may reduce premiums.