North Carolina
Flood Insurance Products

We Can Provide the Coverage You Need, No Matter your Flood Zone

It doesn’t matter who you are
or where in North Carolina you live…

Our experienced flood insurance agents will assist you in finding and selecting the right flood insurance coverage for your home or business.

As a general agent, we provide several coverage options when it comes to protecting your home and assets from flood damage in North Carolina. A flood is when two or more acres or two or more properties are affected by water from the ground up and isn’t typically covered under a standard homeowner insurance policy. Whether you want private carrier options or coverage through the government backed NFIP, are in a low-risk zone and want additional protection, are in a high-risk zone and flood insurance is required through your lender, are a tenant looking for content only coverage, or you have a high-value home and need additional, higher-limit coverage –
North Carolina Flood Insurance provides multiple options for a flood insurance policy that will work for you.

Private Market Coverage

(Available For All Zones)

Enhanced flood insurance options for better coverage

Conditions that cause flooding in North Carolina – such as heavy rain, hurricanes and tropical storms, and snow melt – can happen anywhere throughout the state given its extended coastline and mountainous typography. This means inland cities such as Raleigh or Charlotte can experience substantial flood damage in the event of a heavy storm or river overflow.

As a leading general agent, North Carolina Flood Insurance can offer you the same basic policy as the government backed NFIP, but with more coverage options and more competitive yearly rates through one of our many private carriers. Why choose North Carolina Flood Insurance for your flood insurance policy?

    • Higher limits with coverages up to $10MM
    • Lower premiums tailored to your exact area
    • Faster, more efficient claim response
    • Same coverage options as FEMA’s NFIP policies
    • Direct access to experienced agents to answer your questions
    • Enhanced coverage options for damages not offered by homeowners policies including:
      • Replacement cost (replacement cost is the cost to repair or replace damaged possessions at today’s market-value prices)
      • Loss of use (loss of use is the cost you will incur to live elsewhere if your home is damaged in a flood)

National Flood Insurance Program (NFIP)

(Available For All Zones)

One price, no matter where it’s from

With one in five flood insurance claims coming from a moderate- to low-risk area, we believe everyone should be able to get flood insurance that is dependable, affordable and easily accessible.

As a leading general agent, North Carolina Flood Insurance can write your flood insurance policy through the government backed National Flood Insurance Program (NFIP). Unlike other insurance policies you might have (i.e. car, homeowner, etc.), flood insurance offered through the NFIP will cost the same no matter where you get it. This means that even though the government determines your coverage and premium, we can still write your policy for you. Why choose North Carolina Flood Insurance for your NFIP policy?

  • Coverages up to $250K
  • Excess coverage options available
  • Statewide claim support with fast turn-around
  • Fully backed by the Federal Government
  • Low cost preferred risk policies for properties in low-risk flood zones
  • Fast, easy and free online quoting process

Excess Flood Insurance

When your basic flood insurance policy isn’t enough

Excess flood insurance provides insurance limits above and beyond a primary policy – whether written through the NFIP or a private carrier. Most homeowners that need flood insurance are in moderate- to low-risk areas and write their flood insurance policies through the government backed NFIP. However, it is important to note that NFIP policies only offer a maximum coverage of $250,000.

If it costs more than $250,000 to replace or repair your home, a standard NFIP flood policy won’t be enough. Having excess flood insurance would increase your standard coverage up to an additional $10MM.

That means buying:

  • A federal or private policy worth $250,000 plus
  • An excess flood insurance policy for the additional coverage needed

Excess Flood limits vary based on the state you’re in, so ask your North Carolina Flood Insurance agent for more details.

Get a Free Online Quote in Minutes
Whether through our online quoting process that can return an actual yearly premium amount for some flood zones or through one of our expert flood agents, our team is happy to assist you with all your flood insurance needs.