FEMA flood zone rules in Cary, NC — also called floodplain regulations or special flood hazard area (SFHA) rules — determine flood insurance requirements and elevation standards for new construction.
Cary regulates development in FEMA flood zones through its flood damage prevention ordinance. Properties in Special Flood Hazard Areas must comply with elevation requirements and obtain flood insurance.
Cary participates in FEMA's National Flood Insurance Program (NFIP) and regulates development in flood hazard areas. Special Flood Hazard Areas (SFHAs) are mapped along Swift Creek, Crabtree Creek, and other waterways. New construction must elevate the lowest floor at least one foot above the Base Flood Elevation (BFE). Substantial improvements (exceeding 50% of market value) must also comply with elevation requirements. No new development is permitted in the regulatory floodway. Flood insurance is required for properties in SFHAs with federally-backed mortgages. Cary participates in the Community Rating System (CRS) which may provide insurance premium discounts.
Building in flood zones without proper permits results in stop work orders, fines, and potential loss of NFIP participation benefits.
Cary, NC
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Cary, NC
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Cary, NC
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Side-by-side rule comparisons with other cities in Wake County.
See how other cities in Wake County handle flood zones.
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