The main watercourses within the Town of Maggie Valley are Jonathan Creek and Campbell Creek. If you live or own property near one of these waterways, you may be in the floodplain. FEMA produces a Flood Insurance Rate map (FIRM), which is available for review at Town Hall. To find out where your property is in relation to the floodplain, contact the Floodplain Administrator at 828.926.0866 x 104.
The Town of Maggie Valley participates in the National Flood Insurance Program, which assures that flood insurance is available to everyone in the Town. This program is set up to help reduce the flood hazard and lower the cost of flood insurance within the city. If you live in the floodplain and do not have flood insurance, check with your insurance agent. A standard homeowner’s insurance policy does not provide flood damage coverage. According to most insurance carriers in the area, a 30-day waiting period exists for flood insurance to be effective, so if you feel flooding in your neighborhood may impact you make sure that you have your flood insurance in place ahead of time.
FLOODPLAIN DEVELOPMENT REGULATIONS
The Town of Maggie Valley regulates activities which occur within the Flood Hazard Overlay District outlined in Section 154 of the Zoning Ordinance. A Floodplain Development Permit is required prior to any development within the 100-year floodplain. This includes additions to existing buildings, any excavation or grading, the construction of new structures and stream alteration. If you are uncertain if your project would require a permit and/or prior approval, please contact the Floodplain Administrator prior to the commencement of any work.
IMPORTANCE OF PROTECTING FLOODPLAIN RESOURCES
Floodplains provide many benefits and functions, which are valuable to our community. Simply put, a properly functioning floodplain helps reduce flood losses and erosion, improves water quality and wildlife habitat, and provides recreational and educational opportunities.
It is important to remember that even if you are not directly adjacent to the river or creek, your actions could impact the quality of the water. Storm water drains to the waterways and carries with it any pollutants it encounters along the way. Common pollutants, which seriously impact the water quality, include fertilizer, pesticides and oils.