Flood Insurance

Here’s the fact every North Carolina homeowner should know: standard home insurance does not cover flood damage. From hurricane storm surge on the coast to flash flooding inland, rising water is one of the most common — and most excluded — disasters in our state.

Prefer to talk it through with a real person? Call us at 919-341-0606 — we answer Monday through Friday, 8:30 am to 5:30 pm, right here in Garner.

Why Flood Insurance Matters in North Carolina

North Carolina sees flooding from hurricanes, tropical storms, and ordinary heavy rain — and not just at the beach. Storms like Matthew and Florence flooded homes far inland, many owned by families who never thought they needed coverage. A significant share of flood claims come from properties outside high-risk flood zones.

What a Flood Policy Covers

• Building coverage — the structure, foundation, electrical and plumbing systems, HVAC, and built-in appliances.
• Contents coverage — furniture, clothing, electronics, and other belongings.
• NFIP or private market — we can quote both the National Flood Insurance Program and private flood carriers, which sometimes offer higher limits or better pricing.

Do You Need It If You’re Not in a Flood Zone?

Lower-risk zones mean lower premiums — which makes coverage surprisingly affordable exactly where people assume they don’t need it. If your home sits near a creek, at the bottom of a hill, or anywhere water collects, it’s worth pricing. Pair it with your homeowners policy for complete protection.

Frequently Asked Questions

Doesn’t my homeowners insurance cover flooding?

No. Flood damage from rising water is excluded from standard home policies. Only a dedicated flood policy covers it.

Is there a waiting period?

Yes — NFIP policies typically have a 30-day waiting period, so don’t wait for a storm in the forecast. Some private carriers offer shorter waits.

Will my lender require flood insurance?

If your home is in a high-risk flood zone with a federally backed mortgage, yes. We’ll help you meet the requirement at the best available rate.

Don’t Let Rising Water Sink Your Finances

Find out what flood coverage costs for your address — the answer is often pleasantly surprising. Insure with You!