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Cumberland County, NC Environmental Rules: Flood Zones (2026)

Some Restrictions
Compiled from the official code textEditor Martyn O'NeillLast verified September 2026

FEMA flood zone rules in Cumberland County, NC, also called floodplain regulations or special flood hazard area (SFHA) rules, determine flood insurance requirements and elevation standards for new construction.

Key Facts

Permit required for
Any development in a special flood hazard area
Governing FIS date
December 18, 2007 flood insurance study
Enforcing official
County floodplain administrator (county engineer)
Floodway rule
No fill or construction absent no-rise study
Barred uses
New hazardous waste, salvage, chemical storage sites
Penalty
Misdemeanor, up to $500 fine, 30 days

Summary

Any development, including grading, filling, new structures or substantial improvements, located within a mapped special flood hazard area of unincorporated Cumberland County needs a floodplain development permit before work begins. The county floodplain administrator reviews the application against FEMA's flood insurance study and the county's flood insurance rate maps before issuing it.

City-specific rules exist: Fayetteville has its own flood zones rules that differ from Cumberland County's county-level regulations. If you live in Fayetteville, check the city-specific page instead.

A floodplain development permit shall be required in conformance with the provisions of this chapter prior to the commencement of any development activities within special flood hazard areas determined in accordance with the provisions of article III, section 6.5-22 of this chapter.

View official code

Official source re-checked September 7, 2026: no newer edition of the code had been published (publisher’s edition: Code of Ordinances: Supplement 8).

Full Breakdown

Cumberland County's flood damage prevention chapter applies to every special flood hazard area within the unincorporated county's jurisdiction, based on the flood insurance study FEMA and the state prepared for the county, dated December 18, 2007, and the county's initial flood insurance rate map for the unincorporated area, dated February 17, 1982 (Sec. 5-21; Sec. 5-22). No structure or land may be located, extended, converted, altered or developed in a special flood hazard area without a floodplain development permit issued in conformance with the chapter, obtained before any development activity begins (Sec.

5-23; Sec. 5-24). General standards require all new construction and substantial improvements to be anchored against flotation and lateral movement, built of flood-resistant materials, and designed so mechanical, electrical and plumbing equipment stays dry up to the regulatory flood protection elevation (Sec. 5-51(1)-(4)). New solid waste disposal facilities, hazardous waste management facilities, salvage yards and chemical storage facilities are barred outright from special flood hazard areas except by variance (Sec. 5-51(10)). Inside a mapped floodway or non-encroachment area, no fill, construction or other development is allowed unless an engineering study proves it will not raise flood levels during the base flood, or FEMA has approved a conditional letter of map revision, and manufactured homes are barred there except as replacements in an existing manufactured home park or subdivision (Sec. 5-56).

Violations & Fines

Locating, extending or developing a structure in a special flood hazard area without the required floodplain development permit is a misdemeanor, punishable by a fine of up to $500.00, up to 30 days in jail, or both, with each day a separate offense (Sec. 6.5-28). The floodplain administrator can also order corrective action, up to alteration, vacating or demolition of a noncompliant building, following a hearing before the administrator and an appeal to the county's governing board (Sec. 6.5-44).

Frequently Asked Questions

Does Cumberland County require a permit for any building in a flood zone?
Yes. Sec. 6.5-23 requires a floodplain development permit for any development activity, not just new houses, undertaken within a special flood hazard area mapped on the county's FEMA flood insurance rate maps, and Sec. 6.5-24 bars locating, altering or extending any structure or land use there without full compliance with the chapter first.
Can I build in a mapped floodway?
Only if you can show no rise in flood levels. Sec. 6.5-56 bars fill, construction and other development in a floodway or non-encroachment area unless a hydrologic and hydraulic study proves no increase in base flood levels, or FEMA issues a conditional letter of map revision, and it also bars new manufactured homes there outside an existing manufactured home park.
What uses are permanently barred from Cumberland County's flood hazard areas?
New solid waste disposal facilities and sites, hazardous waste management facilities, salvage yards, and chemical storage facilities. Sec. 6.5-51(10) prohibits siting these uses in a special flood hazard area at all, except by variance under Sec. 6.5-45(j), which additionally requires proof that no feasible location exists outside the flood hazard area.

Sources & Official References

Other rules in Cumberland County

All Cumberland County rules

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