Flood Tips and Information

Know Local Flood Hazards

The Town of Cape Carteret has more than 6 miles of waterfront shoreline along Bogue Sound, Deer Creek, and adjacent canals, and another 1.5 miles of waterfront shoreline along Pettiford Creek and adjacent canals.  Flash flooding can occur when a large amount of rain falls in an area over a short period of time. Hurricanes, tropical storms, and thunderstorms can produce flash flooding. For more information, visit Severe Weather 101 - Floods   


Cape Carteret property owners should be aware of how they may be impacted by flooding and what they can do to protect themselves, their families and their property from potential flood damage. The Flooding in Carteret County brochure provides helpful information regarding flood safety preparedness.  For further information on floods and how you can protect yourself and your property, visit  Ready.gov.


Additional Flood Resources


Insure Your Property

Homeowner's insurance does NOT cover losses due to flooding. The Town of Cape Carteret has participated in the National Flood Insurance Program (NFIP) since 1977. For properties located in the Town of Cape Carteret, flood insurance is available for almost any enclosed building and its contents.   

Flood insurance is mandatory for all federally related financial assistance for loans to purchase, construct, repair or improve any building in Special Flood Hazard Areas.  All lending agencies, real estate offices and title companies are aware of these Federal requirements. Ask your insurance agent about flood insurance coverage and be aware of the 30-day waiting period before flood policies become active. For more information, visit Floodsmart.gov 


Flood Insurance Resources


Protect Your Property

Cape Carteret has many miles of estuarine shoreline and low-lying properties subject to flooding from rain events as well as extreme high tides, tropical storms and hurricanes.  Various techniques can be used to floodproof existing structures and reduce or eliminate potential future flood damage. This floodproofing process is known as "retrofitting". 


Retrofitting Resources


Substantial Improvement Requirements

The National Flood Insurance Program requires that, if a building is damaged by any means (fire, wind, flood, etc.) and the cost of reconstruction, rehabilitation, addition or other improvements equals or exceeds 50% of the building's market value, then the building must meet the same construction requirements as a new building.  


In summary, the building must:

  • Be elevated above the base flood elevation;
  • Be adequately anchored to prevent flotation, collapse or lateral movement;
  • Be constructed with material resistant to flood damage; and
  • Be constructed with all utilities designed to prevent water from entering or accumulating within the components during flooding. 


Substantial improvements such as these will likely require Zoning and Building Permits.  Contact the Town of Cape Carteret and Carteret County Planning and Inspections to determine what permits will be required.


Substantial Improvement Resources


New Construction 

All new construction and most renovation projects require Town of Cape Carteret Zoning Permit and Carteret County Building Permits.  Depending on the type and location of the project, various state permits may also be required. Always check with the local building inspector, a local engineer or land surveyor before purchasing a property to determine what regulations are in effect to include Special Flood Hazard Areas. 


Finding your Flood Zone Resources


New Construction Resources