Outer Banks Flood Maps
Even X-Flood Zones should refer to OBX Flood Maps
Does my property in a X-Flood Zone need flood insurance? Did you know that 1 in 4 flood losses occur in low-risk x-zones? OBX Flood Maps can give a good understanding as to why certain Outer Banks properties flood. Rainfall, the topography and Outer Banks geology such as The Ever Shifting Outer Banks – The Sands Of 2017’s Shelly Island, and the lay of the land at your Dare County property, all can play a part in flooding coastal areas.
To determine the flood zone of your property or to obtain information on historical flooding in your neighborhood and other hazards affecting the property, contact the Dare County Planning Department.
Flood Insurance Policies
Flood maps only depict those areas subject to a 1% annual chance of flooding and do not reflect other sources of flooding such as rainfall or elevated groundwater levels. Flood maps do not account for all sources of flood risks. It’s important for homeowners to know, that homeowners insurance policies do not cover flooding in any zone. A separate policy for flood is needed. Flood insurance is an important tool to protect your property from flood risks. Coverage may be purchased for building and contents or just contents. Talk to your insurance agent today to find out your options and what works best for you. Business owners and renters can also purchase flood insurance policies.
Outer Banks Flood Insurance
Flood Insurance Costs and Rating Factors
If the property is located in a flood zone, then the cost of flood insurance will reflect the flood zone designation for the property. Properties in low-risk X zones or Shaded X zones generally have lower flood insurance rates. Some X zone properties may qualify for a preferred risk policy (PRP). Properties in AE zones, AO zones and VE zones will be higher in cost due to the higher risk associated with these flood zones. VE zones are the highest risk zones and may have higher flood insurance rates. Check out OBX flood maps at OBXFloodMaps.com
If the flood zone designation for your property has changed, talk to your insurance agent about what impacts the new designation may have on your insurance rate. If your property has changed from a higher risk zone to a lower risk zone, you may experience decreased flood insurance costs. Please contact your insurance agent to discuss your options.
The elevation of the first floor of living area directly impacts the cost of flood insurance. If the first floor is below the base flood elevation, then your insurance rate will be significantly higher. Elevation of structures is the preferred construction technique on the Outer Banks to mitigate flood risks. Older, existing homes can be raised to mitigate flood risks. Equipment, such as the HVAC unit, should also be elevated to the applicable base flood elevation for costs savings.
Flood vents are required for enclosed areas located below the base flood elevation. Proper installation of flood vents will impact your flood insurance rate.
Furthermore, it is important to be aware of drain blockages on your property. Do your best to keep drains clear. Although if you are unable to resolve a problematic drain blockage, please contact Dare County or your town maintenance.