Heavy Rain Happens. Be Ready When It Does.
Flood Insurance
When the Waters Rise, Coverage Matters
Flooding isn’t just a coastal problem—and it’s rarely covered by homeowners insurance. From mountain runoff to hurricanes in the east, North Carolina has seen it all. We’ll help you understand your property’s flood risk, explore private & FEMA-backed options, and get the protection you need to avoid major out-of-pocket costs down the line.
What’s Protected with Flood Insurance?
Building Structure
Helps cover foundation, walls, floors, HVAC systems, and more—whether you own a home, rental, or Airbnb property.
Personal Belongings
Covers the contents of your home, including appliances, furniture, electronics, and clothing damaged by floodwater.
Cleanup & Restoration
Assists with debris removal, damaged surfaces, and drying costs after the flood recedes.
Loss Documentation
Many policies help with damage assessments and claims documentation—especially important for FEMA-related support.
Flood Coverage: What You Need to Know
Isn’t flood damage covered by my homeowners policy?
No. Most standard homeowners insurance policies exclude flood damage. You’ll need separate flood insurance to be protected in case of rising water, storm surges, or heavy rain-related flooding.
Who actually needs flood insurance in North Carolina?
Anyone near creeks, rivers, mountains, or low-lying land. Even areas outside FEMA-designated flood zones are at risk. We’ll help assess your property’s exposure and find the right level of coverage.
How do I know if I’m in a flood zone?
We can look up your flood zone classification, explain what it means, and walk you through the coverage options—whether your lender requires it or not.
Can renters or landlords get flood insurance?
Yes! Both can (and should) get flood insurance. Renters can cover their personal belongings, and landlords can protect the structure of the property.
Is there a waiting period before flood coverage kicks in?
Typically, yes—most flood insurance policies have a 30-day waiting period. Don’t wait until storm season to get covered. Let’s start today.
Don’t Wait for the Forecast
Flood insurance is one of the most overlooked (and most important) parts of a full coverage plan. Let’s get you protected before the next big storm rolls through.