Find Out if You Need Flood Insurance

Before buying, you should be aware of other factors that accompany the pleasures of owning property in Pender County. The County is a diverse area with beautiful beaches and scenic rivers, streams and creeks. Living near the Northeast Cape Fear, Cape Fear and the Black river or at the beach means being knowledgeable about the possibility of flooding and flash flooding (Link to “How to Prepare for A Flood). Regulated floodplains are illustrated on maps called Flood Insurance Rate Maps (FIRM). It is the official map for a community on which FEMA has defined both the Special Flood Hazard Areas (SFHAs) and the risk premium zones applicable to the community. SFHAs represent the areas subject to flooding by the 1-percent-annual chance flood event. Structures located in the SFHA have a 26-percent chance of flooding during the life of a standard 30-year mortgage. FEMA FIRM maps are available for viewing online at FEMA Flood Maps. You can also contact the Pender County Floodplain Administrator at (910) 259-0231 or view maps online at http://gis.pendercountync.gov/maps for to determine which flood zone your property is located in.

 

  • To determine your flood risk, visit FloodSmart.gov or call 1-800-358-9616 (FEMA “Know Your Risks” brochure).
  • For information about FEMA’s Flood Insurance Rate Map (FIRM) and floodplain management questions, contact the Planning Department at (910) 259-0231.
  • For a copy of FEMA Elevation Certificates that are on file with Pender County, contact the Permitting Dept at (910) 259-1202.Historical Flood Insurance Rate Maps (FIRM)LiMwa Educational Video: https://www.fema.gov/media-library/assets/videos/82399
  • Coastal Flood Zones and LiMwa. There are three basic coastal zones and one new zone in the new NFIP maps. The flood zone X is considered to be a low risk of flooding. VE zones or Coastal High Hazard Areas are zones where high velocity wave action accompanies the storm surge and can cause severe damage to buildings. AE zones are areas affected by storm surge but where wave action is diminished or absent. For the first time FEMA has established another area within the AE zone called the Limit of Moderate Wave Action or LIMWA. These moderate waves can cause damage to buildings, though they are not as damaging as the waves expected in the VE zone.
  • Flood Inundation Map. Know the effect of potential flooding due to each category of a hurricane.
  • Visit FIMAN to see river gage information for Black River and North East Cape Fear River

Historical Flood Insurance Rate Maps (FIRM)

Coastal Flood Zones and LiMwa. There are three basic coastal zones and one new zone in the new NFIP maps. The flood zone X is considered to be a low risk of flooding. VE zones or Coastal High Hazard Areas are zones where high velocity wave action accompanies the storm surge and can cause severe damage to buildings. AE zones are areas affected by storm surge but where wave action is diminished or absent. For the first time FEMA has established another area within the AE zone called the Limit of Moderate Wave Action or LIMWA. These moderate waves can cause damage to buildings, though they are not as damaging as the waves expected in the VE zone.

LiMwa Educational Video: https://www.fema.gov/media-library/assets/videos/82399

Information to help be prepared for hurricanes:

Post Hurricane Florence

Following a federally declared disaster such as Hurricane Florence local governments are eligible to apply for Hazard Mitigation Grant Programs (HMGP) that will reduce or eliminate the loses from future disasters. Projects must provide a long-term solution to a problem, for example elevation of a home to reduce the risk of flood damage as opposed to buying sandbags and pumps to fight the flood. In addition, a project’s potential savings must be more then the cost of implementing the project. These activities may include elevating structures in the regulatory  floodplain, acquiring  (“buy-out”) property to prevent losses, or retrofitting structures to minimize future damages.

These activities have not been activated by FEMA or the State of North Carolina and therefore Pender County is unaware of any potential funding amounts or timing of HMGP funding. Projects such as these have taken years to receive funding and are not designed to provide immediate relief from the devastating effects of natural disasters.  To be eligible to apply for HMGP, an applicant must be the homeowner and the damaged home must be their primary residence. Additionally the applicants home must be in the 100 year floodplain.  Homes that are out of the floodplain or are in the 500 year designated areas are not eligible to apply.

Pender County is creating a list of potential applicants when and if HMGP funding applications are made available.  Applying is not a guarantee of being approved. If your home meets the above criteria and you would like to be added to Pender County’s list please complete the attached form (http://www.pendercountync.gov/pcd/documents-base/property-site-inventory-form) and take 4 photos of your home (front left, rear and right) and send these to charris@pendercountync.gov.

 

 

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