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

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

FEMA flood zone rules in Catawba 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

Governing section
Sec. 44-429.04, general provisions
Permit required
floodplain development permit before any activity
Map basis
FEMA FIS/FIRM dated September 5, 2007
Administering official
county planning director
Appeals body
board of adjustment (variances)

Summary

Any development in a Catawba County special flood hazard area needs a floodplain development permit before work starts, under Sec. 44-429.04. The county maps those areas from FEMA's September 5, 2007 flood insurance study and rate maps, adopted by reference into Sec. 44-429.04(b), and Sec. 44-429.04(d) bars locating, extending, converting, altering or developing any structure or land there without full compliance with the chapter.

These county ordinances apply to unincorporated areas of Catawba County. Incorporated cities within the county may have their own rules that take precedence over county-level regulations.

(a)Lands to which this chapter applies. This chapter shall apply to all special flood hazard areas (SFHA) within the jurisdiction of the county.(b)Basis for establishing the special flood hazard areas. The special flood hazard areas are those identified under the cooperating technical state (CTS) agreement between the state and FEMA in its flood insurance study (FIS) and its accompanying flood insurance rate maps (FIRM) for the county dated September 5, 2007, which are adopted by reference and declared to be a part of this chapter. ... (c)Establishment of floodplain development permit. 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 as determined in subsection 44-429.04(b).(d)Compliance. No structure or land shall be located, extended, converted, altered, or developed in any way without full compliance with the terms of this chapter and other applicable regulations.

Full Breakdown

Sec. § 160D-923 under Sec. 01. Sec. 04(a) applies the chapter to 'all special flood hazard areas (SFHA) within the jurisdiction of the county,' and subsection (b) bases those areas on the flood insurance study and flood insurance rate maps FEMA issued for the county 'dated September 5, 2007,' which the ordinance adopts by reference; the initial map for the unincorporated county dates to September 3, 1980. ' The planning director administers permits, certifications and corrective action under Secs. 11, and the board of adjustment hears variance requests under Sec.

12. Sec. 02 carries forward the county's flood damage prevention ordinance first enacted September 3, 1980, so any new construction, substantial improvement or change of use after passage of the current chapter must meet the current standards, including the general construction standards of Sec. 14 and the elevation standards of Sec. 15.

Violations & Fines

Developing in a special flood hazard area without the required permit, or in violation of the chapter's terms, is enforced under Sec. 44-429.11's corrective procedures and the general chapter 44 violation powers of Sec. 44-369: the county can issue a notice of violation, order a stop-work order, and pursue any remedy under G.S. 153A-123, including an injunction, while variances go to the board of adjustment under Sec. 44-429.12.

Frequently Asked Questions

Do I need a permit to build in a Catawba County flood zone?
Yes. Sec. 44-429.04(c) requires 'a floodplain development permit...prior to the commencement of any development activities within special flood hazard areas,' issued by the planning director before grading, filling or construction begins.
What maps define the flood hazard areas?
Sec. 44-429.04(b) bases the special flood hazard areas on FEMA's flood insurance study and flood insurance rate maps 'for the county dated September 5, 2007,' which the ordinance adopts by reference as part of chapter 44.
Can I alter an existing structure in the floodplain without a permit?
No. Sec. 44-429.04(d) states 'no structure or land shall be located, extended, converted, altered, or developed in any way without full compliance with the terms of this chapter,' so additions and substantial improvements trigger the same permitting requirements as new construction.

Sources & Official References

Other rules in Catawba County

All Catawba County rules

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