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Morehead City, NC Flood Information

Flood Information

Flood Mitigation Plan Kickoff Meeting

Morehead City Planning and Inspections Department will be holding a Flood Mitigation Plan kickoff meeting in the Municipal Chambers located at 202 South 8th Street on Thursday, January 12th, starting at 5:30 p.m.  A Flood Mitigation Plan evaluates ways to mitigate risks from future flooding and serves to enhance a local community’s floodplain management program.  Morehead City’s goal in the development of the plan is to maintain or enhance Morehead City’s rating in the Community Rating System, a national program which provides local communities an opportunity to reduce individual flood insurance premiums through participation in and development of a variety of flood-related activities. The kickoff meeting on January 12th will provide attendees information on the planning process, as well as provide an opportunity for individuals to find out how they can become involved. For answers to questions about the upcoming meeting, contact the Morehead City Planning and Inspections Office at (252) 726-6848 x140.

Upcoming Flood Map Update Meeting

Carteret County Press Release: “On Wednesday, January 11, 2017, residents and business leaders in Carteret County communities will be able to review and discuss the latest flood hazard and flood risk data. Now available digitally, preliminary flood hazard information can be layered on top of the county’s parcel data so property owners can better determine potential risks to their structures. On Wednesday, January 11th, the digital flood hazard data will be shown during a public open house at the Crystal Coast Civic Center located at 3505 Arendell St, Morehead City, North Carolina from 5:00 pm to 7:00 pm. Residents also can access the flood hazard data online at http://fris.nc.gov/fris/. Digital flood hazard data also can be viewed by calling the Carteret County Planning Department at 252-728-8545 or the North Carolina Floodplain Mapping Program (NCFMP) at 919-715-5711. The January 11th public meeting provides an opportunity for residents to see the results of the revised studies and new flood hazard areas.” Morehead City residents may also contact the Morehead City Planning and Inspections Department at (252) 726-6848 x125 to obtain flood information.

Flood Map Study Update

Flood Risk Information System

The State of North Carolina provides this website as a public service to the citizens of North Carolina. The Flood Risk Information System (FRIS) contains digitally accessible flood hazard data, models, maps, risk assessments and reports that are database driven. [Note: To switch between the current “Effective” map, and the “Preliminary” map, click the “Effective” drop down button in the top right corner of the screen.]

Carteret County Flood Map Changes Map

This map includes preliminary flood hazard data and provides a look at the community‘s projected risk to flood hazards and the newly revised Flood Risk Areas. [The revised boundaries are still under review.]

NCEM Flood Study Update

Provides a general overview of the process and changes proposed to impact Carteret County and the jurisdictions within Carteret County.

FEMA Map Changes Publication

Provides an overview of the impacts that flood map changes can have on flood insurance premiums.

Appeal Information

Flood Information

Historically, Morehead City has experienced flooding from tidal changes, excessive rainfall, storm surge and an inadequate drainage system. Areas of town which are prone to flooding include the waterfronts of Bogue Sound, Newport River, Calico Creek, Dill Creek, and their tributaries. Typically, Morehead City experiences flooding during extreme high tides on low-lying streets along Calico Creek. Although the depth of the water is less than one foot, the water can cover as much as sixty to one hundred feet of land. It is important to remember that areas along Calico Creek, the Newport River, and the Bogue Sound waterfront can experience flood conditions from surge surges associates with hurricanes. If you are required to evacuate or find yourself in a flooded area:

  • Don’t walk through flowing waters. Drowning is the #1 cause of flood deaths.
  • Don’t drive through a flooded area. More people drown in their cars than anywhere else.
  • Stay away from power lines and electrical wires. The #2 flood killer is electrocution.
  • Look out for animals, especially snakes. Use a pole or stick to poke and turn things over.
  • Look before you step. After a flood, the ground and floors are covered with debris.
  • Be alert for gas leaks.

Flood Warning System

NOAA, the US Commerce Department’s National Oceanic and Atmospheric Administration, keeps round-the-clock surveillance on the nation’s coastal areas and is prepared to issue warnings when the threat of flooding occurs. The National Weather Service Southeast River Forecast Center produces flood forecasts for major river systems and flash flood guidance for smaller streams and headwater regions. The National Weather Service uses this information to issue flood warnings and flash flood watches to the public. Flash flood warnings are issued by the local Weather Service Office located in Newport, North Carolina. Flood warnings are forecasts of impending floods and are distributed to the public by the NOAA Weather Radio, commercial radio and TV and through local emergency agencies. The warning message tells the expected degree of flooding, the affected water body, when and where flooding will begin and the expected maximum river level at specific forecast points during flood crest. Local TV stations and local radio stations report flood watches and warnings.

Flood Insurance

Flood insurance covers all surface floods. Homeowners insurance policies do not cover damage from floods. Since Morehead City participates in the National Flood Insurance Program (NFIP), property owners can purchase a separate flood insurance policy. This insurance is backed by the Federal government and is available for most properties, even for previously flooded properties. Some people have purchase flood insurance because it was required as a condition of a mortgage or home improvement loan. Usually, these policies cover only the structure and not the contents. If you have flood insurance, check the amount or speak with your insurance provider to verify that contents are covered in the event of a flood. If you do not have flood insurance, speak with your insurance provider.

Drainage System Maintenance

Streams, retention/detention basins, and channels can lose their carrying capacities as a result of dumping, debris, sedimentation, and growth of vegetation. When a drainage system loses its carrying or storage capacity, overbank flooding occurs more frequently and floods reach higher elevations. If your property located near a ditch or stream, the banks should be kept clear of brush and debris. The City’s ditch maintenance program can help remove major blockages such as downed trees in ditches on public property in the City Limits. Dumping in ditches and streams is a violation of regulations and should be reported to the Public Services Department at (252) 726-6848 x122 or x132.

Substantial Improvement

The National Flood Insurance Program (NFIP) requires that if the cost of reconstruction, addition, rehabilitation or other improvements to a building located within the special flood hazard area (SFHA) exceed 50% of the building’s market value, then the building must meet the same flood construction requirements as a new building (e.g. must be elevated above base flood elevation). Substantially damaged buildings must be brought up to the same standards. For further information, contact a Morehead City Building Inspector.

Property Protection Measures

There are several things that you can do to protect yourself and your property. The first and most important property protection measure is the purchase of flood insurance.

  • Temporary Property Protection Measures: Temporary/emergency measures include relocating your possessions to the highest floor or placing sandbags or similar barriers between floodwaters and your structure. (Note: Sandbags should not be stacked directly against the outer walls of a structure, since, when wet, the bags may create added pressure on the foundation.)
  • Permanent Property Protection Measures: A more permanent means of protecting your structure (known as retrofitting) would be elevation of a flood prone residential structure above the Base Flood Elevation (BFE) so that floodwaters do not reach any damageable area or floodproofing of a commercial structure to make the structure water tight below the Base Flood Elevation (BFE).
  • The Homeowners Guide to Retrofitting can be ordered from FEMA at http://www.fema.gov/media-library/assets/documents/480. The publication provides guidance for readers with little to no experience dealing with flood protection methods or building construction techniques.
  • Additional Information about floodproofing can be found at: http://www.fema.gov/plan/prevent/floodplain/nfipkeywords/floodproofing.shtm.

Community Rating System

The Town of Morehead City participates in the National Flood Insurance Program’s (NFIP) Community Rating System (CRS). The CRS is a voluntary incentive program that recognizes and encourages community floodplain management activities that exceed the minimum NFIP requirements.

Morehead City currently maintains copies of elevation certificates for new construction and substantial improvement within the Special Flood Hazard Area (SFHA), provides flood protection information, requires higher regulatory standards, requires open space preservation for new development, and provides drainage system maintenance.

As a result of Morehead City’s implementation of these activities and participation in the CRS, flood insurance premium rates are discounted to 10% for properties within the special flood hazard area and to 5% for properties located outside of the special flood hazard area.

Contact staff to determine whether or not your property is located within the special flood hazard area or to receive technical advice on how to protect your buildings from flooding. To see a flood map of your home, go to http://fris.nc.gov/fris/Home.aspx?ST=NC.

The Homeowner Flood Insurance Affordability Act of 2014

The Homeowner Flood Insurance Affordability Act of 2014 was signed into law on March 21, 2014. It repealed and modified certain provisions of the Biggert-Waters Flood Insurance Reform Act of 2012 and made program changes to other aspects of the National Flood Insurance Program. As of April 1, FEMA began phasing in increases to flood insurance premiums for subsidized properties by no less than 5% and typically no more than 18% per year until the class premium reaches its full risk-rate. According to FEMA, 80% of NFIP policyholders already pay a full-risk rate and will be minimally impacted by the change. An annual surcharge will be added to all policies to offset the subsidized policies at a rate of $25 for a primary residence and $250 for all other policies. A full description of the changes is available on the Homeowner Flood Insurance Affordability Act FEMA fact sheet.


Morehead City Flood Tips Brochure

Web Links

Pamlico Sound Regional Hazard Mitigation Plan

North Carolina Floodplain Mapping Program

National Flood Insurance Program

Federal Emergency Management Agency

Carteret County Emergency Services

Carteret County Flood Tips Brochure

Carteret County Evacuation Information

National Weather Service Flood Forecast

National Weather Service Local Weather Forecast

Free online FEMA Elevation Certificate Training – EC Made EZ