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Can I build in a floodplain or renovate existing structures in a floodplain?

There is no simple, single answer that applies to all property in or near a floodplain. 

Whether you can build or renovate in the floodplain depends on:

     1) Where the property is in the floodplain
     2) If the building's floor is above the required elevation
     3) The cost of the renovation compared to the value of the existing structure.

Home construction in floodplain.

Keep in mind:

  • Building Codes are different in the floodplain than outside of the floodplain.
  • A special permit is required before any floodplain construction takes place to make sure it complies with the additional regulations.
  • Floodplain development restrictions apply to grading, new construction and some renovations for floodplain property.

To get approval to renovate or repair a structure in a floodplain, you need to know:

1) What is the required elevation for a building in that part of the flood zone?
2) Is the floor of my building below this required elevation?

For buildings below the required elevation and therefore are at a higher risk of flood damage, there are restrictions on renovations.

If the cost of repair or construction is greater than 50% of the value of the structure, then the entire building must be elevated above the projected flood level or otherwise modified to meet current flood code.

If a number of renovations or construction activities are done over time, the value of that work must be counted together over a ten year period. When you add together the value of various smaller construction projects done over time, the sum must be below 50% of the current building's value. If not, the entire building must be elevated or changed to meet current flood code.

What is defined as the lowest floor elevation depends on the foundation type.

After elevating or otherwise modifying the building to meet flood code, an Elevation Certificate must be completed and submitted by an engineer, architect or surveyor registered in the State of North Carolina. The FEMA Elevation Certificate must be submitted and approved before electrical power can be turned on.

A flooded residence.
Flooded Mecklenburg County house
A flooded house after reconstruction.
The damaged house could not simply be repaired. To meet current flood code, the living area of the house also had to be elevated.

Check with Storm Water Services before you grade, renovate or build in a FEMA Floodplain or Community (Future) Floodplain. Contact Associate Engineer Tim Ruane, Certified Floodplain Manager, at 704-336-4237 or Tim.Ruane@MecklenburgCountyNC.gov.