Planning & Neighborhood Development
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Flood Plains

National Flood Insurance Program:

The National Flood Insurance Program (NFIP) is administered by the Federal Emergency Management Agency (FEMA), which is part of the Department of Homeland Security.  Community participation in the program is voluntary.  A community is an incorportated city, town, or part of a county that has a floodplain management ordinance and enforces the ordinance.  When a community participates in the NFIP, flood insurance is made available from the NFIP.  In addition, if the President declares a disaster as a result of flooding, federal financial assistance is made available for the permanent repair or reconstruction of insurable buildings.  For proof that Concord participates in the National Flood Insurance Program, please see the National Flood Insurance Program Community Status Book.


Understanding the Basics



The City of Concord is located in the Yadkin River Basin and is bisected by a river (Rocky River) and four major creeks and streams that all flow in a southeasterly direction. The major creeks are: Coddle Creek, Irish Buffalo Creek, Three Mile Branch and Cold Water Creek. In addition to these creeks there are several smaller creeks and bodies of water that feed into them. The four major creeks converge into Rocky River, south of the city limits.

The floodways and floodplains in Concord are all adjacent to these major streams. Concord contains 5.576 square miles of floodplain, which is 9.28% of the total city area of 60.056 square miles. Of this floodplain area, 2.053 square miles is in the unbuildable floodway, which leaves only 3.523 square miles (5.86% of the total city’s area) in the remaining floodplain. 

Based on the City’s FEMA Floodplain Biennial Report of 2009, 33 structures are located inside flood hazard areas, of which 13 are single-family up to four-family structures (i.e. 1-4 family structures). The population of these 13 structures is estimated to be 34. In total, the City contains 22,986 structures that are one-to-four person family dwellings.  Therefore, approximately 0.05% of family structures are located in flood hazard areas. The City of Concord’s Planning Department implements the ordinances and regulations of the floodway and flood plain.

Flooding can present a serious threat to properties located in and along the flood hazard areas. Flood incidents generally affect road crossings that are subject to high water levels, and occasionally some structures are affected. According to FEMA records, Concord does not have any repetitive loss structures. 


Community Rating System (CRS):

FEMA has assigned the City of Concord as a Class 8 community in the National Flood Insurance Program's Community Rating System (CRS).  This qualifies flood insurance policy holders within the City of Concord for a 10 percent discount in the premium costs for NFIP policies issued or renewed in Special Flood Hazard Areas.  It also allows for a five percent discount in flood insurance policies in non-Special Flood Hazard Areas.  Concord's participation in the Community Rating System involves a rigorous review process every five years.  The CRS classes for local communities are based on 18 creditable activities, organized under four categories:

  1. Public Information,
  2. Mapping and Regulations,
  3. Flood Damage Reduction, and
  4. Flood Preparedness.



A Citizen's Guide to Flood Awareness

Flood Preparedness - Are you Ready for a Flood or Flash Flood?


Flood Safety Slide Presentation


Flood Information Booklet:

The Flood Information Booklet (Adobe pdf format) contains information about:


Concord's Floodplain Ordinance:

The City of Concord's floodplain management ordinance is located in Article 4 of the Concord Development Ordinance


Floodplain Maps:

Flood Insurance Rate Maps (FIRMs) are on file and may be viewed at the City's GIS office at the Planning Department.  They are also available in the reference section at the Downtown Concord Branch of the Cabarrus County Public Library.

Flood Insurance Study:

The Flood Insurance Study contains the description of the flood study, a description of the hydraulic model, and the flood profile charts.


Children's Resources: 

The following educational coloring books may be downloaded and/or printed:


The following books are available at the local Cabarrus County Library:


Other Agencies:


Planning and Neighorhoood Development Department
City Hall Annex
66 Union Street, South
PO Box 308
Concord, NC 28026-0308
704-920-5152 (office)
704-786-1212 (fax)

Office hours: 8:00 a.m. to 5:00 p.m. Monday through Friday

Floodplain Management Team:

Margaret Pearson, Planning Director
(Certified Floodplain Manager)
704-920-5151 (office)
704-786-1212 (fax)


Kevin Ashley, AICP, Planning & Development Manager
704-920-5149 (office)
704-786-1212 (fax)

  • flood ordinance
  • elevation certificates 
  • stream buffer regulations

David Whitley, GIS Manager
704-920-5140 (office)
704-795-0983 (fax)

  • copies of flood maps
  • properties in flood plain
  • copies of LOMRs

Jim Sells, Emergency Management Coordinator
704-920-5528 (office)
704-782-3488 (fax)

  • flooding incidents
  • local knowledge of flood-prone areas
  • civic education

Jeff Corley, Stormwater Engineer
704-920-5372 (office)
704-795-0404 (fax)

  • drainage problems 
  • clogged city stormwater drains