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
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:

Flood Hazards
Flood Safety
Flood Insurance
Property Protection Measures
Natural and Beneficial Functions of Floodplains
Flood Warning System
Floodplain Permit Requirements
Substantial Improvement Requirements
Drainage System Maintenance
Map of Flood Hazards


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.

City Floodplain Map (pdf)

North Carolina Floodplain Mapping Information System

Download flood map data


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.

Volume 1 (pdf)
Volume 2 (pdf) 
Volume 3 (pdf)



National Flood Insurance Program (NFIP)

Flood Elevation Certificate (typically completed by a Registered Land Surveyor)

Top Ten Facts for Consumers

Flood Insurance Library


National Flood Insurance Programs's Community Rating System


Children's Resources: 

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

Sam the Disaster Horse

The Great Storm and Flood Recovery (with Parent Guide)



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

Answers to Questions about the National Flood Insurance Program

Mandatory Purchase of Flood Insurance Guidelines

Guide to Flood Maps

Above the Flood:  Elevating Your Floodprone House

Protecting Floodplain Resources:  A Guidebook for Communities

Floodproofing Non-residential Structures

Answers to Questions About Substantially Damaged Buildings

Elevated Residential Structures

Homeowner's Guide to Retrofitting:  Six Ways to Protect Your House From Flooding


Other Agencies:

North Carolina Floodplain Mapping Program

Federal Emergency Management Agency (FEMA)