Nags Head has been a participant in the National Flood Insurance Program (NFIP) since 1978. This program allows property owners in Nags Head to be eligible for federally-backed flood insurance. This insurance is required for property owners who are located in a designated Special Flood Hazard Area (SFHA) and have a federally-backed mortgage.
The FNIP publishes Flood Insurance Rate Maps (FIRMs) which establish Special Flood Hazard Areas within Nags Head. Property owners in these areas who have a building that is partially or wholly located in the SFHA are subject to regulations and insurance requirements of the NFIP. The Planning Department administers the regulatory requirements of the NFIP for the Town. Buildings within the SFHA must meet minimum elevation requirements established by the FIRMs and must also adhere to specific construction requirements. As part of the permitting and inspections process, staff will ensure that each building subject to these regulations meets the minimum requirements through the issuance of a floodplain development permit. For more information on the requirements of the NFIP, contact Planning and Development staff. There are multiple staff members who can assists you with the requirements of this program.
Check out the current flood maps online or view them at Nags Head's Town Hall. Staff can assist you in determining your flood zone and any associated regulatory requirements.
Community Rating System
The Town of Nags Head also participates in FEMA's Community Rating System which is a voluntary program associated with the NFIP. Communities can conduct activities beyond the minimum requirements of the NFIP to provide property owners with reduced flood insurance premiums. Nags Head is very active in this program and, as a result, the town's property owners receive a 20% reduction in flood insurance premiums. These activities include:
- adopting higher regulatory standards
- providing educational and outreach programs to the community
- preserving open spaces and limiting development density
- conducting capital and maintenance project activities which reduce the impacts of storms and flooding.
For more information on the Town's CRS program, contact Principal Planner Holly White at Holly.White@nagsheadnc.gov or at 252-449-6041.
Flood Mapping Changes
In 2016 the Town and Dare County received preliminary flood maps from the North Carolina Floodplain Mapping Program which will eventually replace the currently effective maps which were adopted in 2006. More information on this process can be found here.