Charlotte, North Carolina Flood Zones
Charlotte faces flash flooding from numerous urban creeks including Little Sugar Creek, Briar Creek, and McAlpine Creek. Rapid growth has increased impervious surfaces, and the city has experienced multiple deadly flash flood events.
Common Flood Zones in Charlotte
Properties in Charlotte, NC are commonly designated in these FEMA flood zones:
Check Your Charlotte Address
Enter any Charlotte, NC address to instantly see its FEMA flood zone, risk level, and whether flood insurance is required.
Free Flood Zone LookupWhat Your Flood Zone Means in Charlotte
FEMA assigns flood zone designations to every property in the United States based on flood risk assessments. In Charlotte, the most common designations are Zone AE, Zone X.
Properties in Special Flood Hazard Areas (SFHAs) - zones starting with A or V - are required to carry flood insurance if they have a federally-backed mortgage. Properties in Zone X are outside the SFHA and flood insurance is typically optional but often recommended.
Flood zone designations can change over time through Letters of Map Amendment (LOMA) or Letters of Map Revision (LOMR). Use our free lookup tool to check the current flood zone for any Charlotte address.