Flood Damage Prevention

During a major rainstorm, some areas of Burgaw can experience flooding.  To mitigate the damage such events can cause, the town has adopted a Flood Damage Prevention Ordinance and participates in the National Flood Insurance Program.   

Background:

The Town of Burgaw is located within the Cape Fear River Basin.  Burgaw Creek and Osgood Canal are the two major water courses that run through town.  Both flow to the north where the Osgood Canal flows into Burgaw Creek at the municipal limits.  Burgaw Creek continues east just north of Hwy 53 crossing under I-40 before turning south and running along Stag Park Road and into the Northeast Cape Fear River.  

The Special Flood Hazard Area (SFHA) is adjacent to these major water courses.  The SFHA consists of the floodway and the 100-year flood zone and make up 14.5% of Burgaw's Municipal and Extra Territorial Jurisdiction or roughly 1,432 acres.  

National Flood Insurance Program (NFIP)

The National Flood Insurance Program (NFIP) is administered by the Federal Emergency Management Agency (FEMA).  Community participation in the program is voluntary.  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.  

Your homeowner's insurance policy will not cover losses due to flooding.  It is recommended that you purchase flood insurance to protect yourself from devastating losses due to flooding.  Information about flood insurance can be obtained from your insurance agent.  You do not have to live in the floodplain to qualify for flood insurance.  Property owners can insure their buildings and contents and renters can insure their possessions.  Just because your house has not flooded in the recent past does not mean that you are safe.

Do not wait for a flooding event to purchase flood insurance.  There is a mandatory 30 day waiting period for new flood insurance policies.  

The 100-Year Floodplain:

The term "100-year flood" is misleading because it leads people to believe that it happens only once every 100 years.  The truth is that an uncommonly big flood can happen any year.  The term "100-year flood" is really a statistical designation, and there is a 1-in-100 chance (or 1%) that a flood this size will happen during any year.  Over the course of a 30 year mortgage, there is a 26% chance of flooding within the 100-year flood zone.

Flood Mapping Program:

North Carolina Flood Risk Information System

North Carolina Floodplain Mapping Program

Are you in a Floodzone?

The Town of Burgaw's Planning Department can provide Map Information Service, giving flood zone determinations, maps and related information to insurance agents, developers, citizens, and any inquirer.  The office and provide site-specific information including basic Flood Insurance Rate Map information (FIRM), Additional FIRM information (Floodways, etc), Base Flood Elevation information, etc. 

The Planning and Inspections Departments also provide Flood Protection Assistance: one-on-one technical advice and/or assistance through phone calls and site visits about property protection from flooding and drainage issues.  

Elevation Certificate copies are available upon request for many properties located within the Town's jurisdiction.  

Town of Burgaw's Floodplain Ordinance:

The Town of Burgaw's Flood Damage Prevention Ordinance can be found in Article 14 of the Unified Development Ordinance.  Flood Development Permits are required for all development within the Special Flood Hazard Area.  Development activities include construction of buildings, mining, dredging, filling, grading, paving, excavating or drilling operations.  

Flood Protection Library:

The following publications are available both here online and in the Planning office located at 109 N Walker Street:

Above the Flood: Elevating Your Floodprone House, FEMA-347 (2000)

Answers to Questions About the National Flood Insurance Program, F-084 (2011)

Coastal Construction Manual, FEMA-P-55 (2011)

Elevated Residential Structures, FEMA-54 (1984)

Protecting Manufactured Homes from Floods and Other Hazards, FEMA P-85 (2009)

Mitigation of Flood and Erosion Damage to Residential Buildings in Coastal Areas, FEMA-2574 (1994)

Protecting Building Utilities From Flood Damage, FEMA -P-348 (1999)

Protecting Floodplain Resources, FEMA-268 (1996)

Reducing Damage from Localized Flooding, FEMA 511 (2005)

Additional Resources:

National Flood Insurance Program (NFIP)

Flood Insurance Library

FloodSmart

NFIP Community Rating System

Elevation Certificate

Northeast Cape Fear River Gages

River Gage near Burgaw

River Gage near Chinquapin