Storm Water Projects
Drainage & Flooding
Pollution Prevention
Fees & Billing
Storm Water A-Z
Print this PageSite Feedback
City of Charlotte Umbrella Stream and Wetland Mitigation Bank

Stream RestorationIn 2004, the City of Charlotte established the City of Charlotte Umbrella Stream and Wetland Mitigation Bank (Umbrella Bank).  The Umbrella Bank holds “mitigation credits” that are generated when Storm Water Services restores, enhances or preserves streams or wetlands in Mecklenburg County.  Mitigation credits are set aside to be used later or “banked” to compensate for unavoidable impacts to streams and wetlands during the construction of City and County public infrastructure projects.

City and County public infrastructure projects often impact streams and wetlands unavoidably.  Prior to the establishment of the Umbrella Bank, project mitigation requirements were satisfied by purchasing credits from the State without regard for where the money was spent.  Today, City and County public projects can purchase credits from the Umbrella Bank, which allows mitigation dollars to remain local and the benefits of restoration projects to be realized in Charlotte’s watersheds.
Charlotte was the first municipality to establish a mitigation bank in North Carolina, and Charlotte’s Umbrella Bank is the largest municipal program in the State.
Projects chosen for inclusion in the bank were identified by Charlotte-Mecklenburg Storm Water Services (CMSWS) using a Stream Restoration Ranking Protocol (SRRP) which evaluated degraded streams present on public property based on degree of degradation and project feasibility. 
In addition to using the Stream Restoration Ranking Protocol to identify restoration sites, CMSWS takes advantage of opportunities to partner with sister agencies and the private sector on mutually beneficial projects.  Streams within flood control projects, neighborhood improvement projects and private developments are also considered on a case-by-case basis.
Mitigation Projects with Credit Availability
Upper Catawba (03050101)
  • Allenbrook Tributary Stream Restoration
  • McDowell Tributary Stream and Wetland Restoration
  • Torrence Creek Stream Restoration and Wetland Preservation
Lower Catawba (03050103):
  • City View Stream Restoration
  • Dairy and Sedgefield Park Branch Stream Restoration
  • Edwards Branch Stream Restoration and Wetland Preservation
  • Glassy Creek Stream Restoration
  • Muddy Creek Stream Restoration and Wetland Enhancement
  • Robinhood Stream Restoration
Rocky (03040105):
  • Upper Stoney Creek Stream Restoration and Wetland Preservation
Sale of Credits
The City of Charlotte Umbrella Bank is able to sell stream and wetland mitigation credits to units of the City of Charlotte, Mecklenburg County and Charlotte-Mecklenburg Schools.  Credits are sold in linear foot (streams) or ¼ acre (wetland) increments for each USGS 8-digit hydrologic unit (HU).  Credits are sold at cost, based on planning, design, construction and monitoring costs for projects in each HU.  Credits are currently available in the following HUs:
​Upper Catawba (03050101)​Streams:​$397 per linear foot
​Wetlands​$71,201 per acre
​Lower Catawba (03050103)​Streams:​$502 per linear foot
​Wetlands:​$71,201 per acre
​Rocky (03040105)​Streams:​$399 per linear foot
​Wetlands:​$71,201 per acre​
For credit availability, please contact:
Isaac Hinson
Watershed Restoration and 404 Permitting Supervisor
Credit Requests
All credit requests must be submitted in writing, and must include the name of the permit applicant the USACE and NCDWQ projects numbers and the number of stream and wetland credits being requested for each HU.  Credits will be sold on a first come, first served basis as credit availability allows.  If the Umbrella Bank has credits available, a Credit Reservation Letter will be sent to the permit applicant, reserving those credits for the subject project.  All Credit Reservation Letters expire after 180 calendar days.  If payment and supporting documentation is not provided within 180 calendar days, the credits will be released back into the bank for sale to other projects.  If the permitting process takes longer than 180 days, a second Credit Request Form must be submitted in order for the Umbrella Bank to continue to reserve those credits.  Payment may be made through check or Departmental Transfer Invoice (DTI).  Once payment is made, the Compensatory Mitigation Responsibility Transfer Form will be completed and sent to the Corps of Engineers, completing the transfer.
In order to comply with State law, all sales must adhere to Article 12 of Chapter 160A of the North Carolina General Statutes regarding the disposal of surplus property.  This process can take up to 60 days, so it is important for all credit requests to be submitted at least 60 days prior to 401/404 permit submittals. 
For more information about this process or for general questions about purchasing credits from the City of Charlotte Umbrella Bank, please contact:
Isaac Hinson
Watershed Restoration and 404 Permitting Supervisor