Flood Insurance in North Carolina-Don't Wait for the Next Storm

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Homeowners Insurance Doesn't Cover Flood Damage-Flood Insurance Does

Many North Carolina homeowners are surprised to learn that standard policies won't pay for flood damage. For protection from hurricanes, heavy rains, and rising water, you need a separate flood insurance policy-whether you live on the coast or inland.

Why Flood Risk Is Everywhere

Not Just Coastal-Flooding Can Strike Anywhere

Nearly 25% of all flood claims come from properties outside high-risk zones. Even if you're not near water, North Carolina's heavy rains, flash floods, and hurricanes have caused major flooding far from the coast. Just 1 inch of water can cause $25,000+ in damage-flooring, walls, furniture, and more.

NFIP & Private Flood Insurance-What's Available?

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National Flood Insurance Program (NFIP):

  • Up to $250,000 building, $100,000 contents
  • Available in most NC communities
  • 30-day waiting period (unless required for a new loan)
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Private Flood Insurance:

  • Higher limits available for high-value homes
  • May offer better pricing or broader coverage

We'll help you compare NFIP and private options, check your home's risk, and find a policy that fits your needs.

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Flooding Happens Where You Least Expect

  • If you have a mortgage in a high-risk area, your lender likely requires flood insurance.
  • Even in low-risk zones, it's smart, affordable protection-often a few hundred dollars a year for preferred-risk homes.
  • Flood insurance is available anywhere in North Carolina, not just in mapped "flood zones."

Flood Insurance Is Cheaper Than You Think-But Don't Wait

  • Policies for many homes start at a few hundred dollars per year.
  • Premiums depend on zone, elevation, and home features.
  • Most policies have a 30-day waiting period-don't wait for the next storm to act.
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Your Flood Insurance Questions, Answered

  • Does homeowners insurance cover flooding?

    No.

  • Can I buy flood insurance if I'm not in a floodplain?

    Yes, anyone in North Carolina can get a policy.

  • How long before it takes effect?

    Usually 30 days unless required for a loan.

  • How much does it cost?

    Varies-starting as low as a few hundred dollars a year in low-risk zones.

Protect Your Home

Get a Flood Insurance Quote Today

Don't wait for hurricane season or the next flash flood-secure your coverage now so you're protected when the waters rise.