FEMA flood zone rules in Fayetteville, NC — also called floodplain regulations or special flood hazard area (SFHA) rules — determine flood insurance requirements and elevation standards for new construction.
Fayetteville has significant flood risk along the Cape Fear River, Cross Creek, and numerous streams. The city participates in the NFIP. Floodplain development permits are required for construction in flood hazard areas.
Fayetteville has substantial flood hazard areas along the Cape Fear River, Little River, Cross Creek, and numerous smaller streams and tributaries. The city participates in the National Flood Insurance Program (NFIP), making flood insurance available to all property owners. FEMA Flood Insurance Rate Maps identify Special Flood Hazard Areas (SFHAs). Any development in the SFHA — including construction, fill, grading, or substantial improvement — requires a floodplain development permit in addition to standard building permits. New construction must be elevated above the Base Flood Elevation (BFE). The Cape Fear River is the primary waterway, and flooding from tropical systems and hurricanes is a significant concern. Cumberland County and Fayetteville coordinate on flood management through the Development Services department.
Building in the floodplain without permits: significant fines. Non-compliant structures may require elevation or removal. NFIP compliance required.
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See how Fayetteville's flood zones rules stack up against other locations.
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