Local News

Do you need flood insurance?

Posted August 24, 2011

— Living inland doesn't necessarily mean flooding won't be a problem in the wake of a hurricane.

In 2004, for example, torrential rains from Hurricanes Frances and Ivan flooded parts of the North Carolina mountains.

Perhaps even more memorable was flooding from Hurricane Floyd in 1999, after the storm dropped more than a foot of rain on eastern North Carolina, pushing rivers and creeks well over their banks – some past 500-year flood levels – and sending people onto their roofs.

The disaster revealed the limitations of North Carolina's flood plain maps and prompted the state to set up a program and website so that it could update its own flood plain maps and making it easier for people to find out if they live in a flood zone.

The state's flood plain mapping website lets users enter their address and see nearby flood plains.

flooding State maps flood danger areas

Knowing that can help them determine whether they have to buy federal flood insurance. Regular homeowners policies don’t cover damage from rising waters.

People within a 100-year flood zone usually do, but up to 25 percent of flooding claims are from people who live outside the 100-year zones.

A typical flood policy costs a homeowner about $600 a year.


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  • davidkey08 Aug 25, 2011

    Dear pabowens:

    As an Engineer, I disagree with you and would like to correct you on a couple of the points in your post. The www.ncfloodmaps.com site was revamped several years ago to use “Google-type” technology to make it easy for most users familiar with Google maps to navigate. I am not sure how you can possibly compare this website to 1980’s software? And as for Princeville, NC: The majority of the land in Princeville is (in fact) shown in the 500-year floodplain on the site. This is shown with the “green color” on the site. Princeville is shown in the 500-year floodplain and not the 100-year floodplain due to the Corps of Engineers accredited Levee which protects the Town of Princeville from the 100-year flood event. North Carolina has (by far) the most accurate and comprehensive flood maps in the United States and the map products are delivered the Public using State-of-the-Art, 21st Century software and hardware. NC Citizens should be proud of these life-savi

  • Bring on the 4 Dollar Gas Aug 24, 2011

    Oh it's predicted plenty by wral, it just hardly ever comes to pass.

  • jblake1932 Aug 24, 2011

    I agree, never rains in our area! Needless to say, it's never predicted either!

  • pabowens Aug 24, 2011

    Sorry software. Even Princevill, NC which flooded has no color showing on it. Getting the program to work is like working with 1980's programs. Very, very poor

  • Bring on the 4 Dollar Gas Aug 24, 2011

    NO! It hardly ever rains where I live. In the viewing area!