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Flood Insurance

We all know that North Carolina is vulnerable to some of the most extreme flooding. In order to protect your personal belongings, you should carry a flood insurance policy.

Legal Requirements in North Carolina

It is not a legal requirement in the state to carry flood insurance. However, if you are in special hazard areas, you may be required to obtain flood insurance to apply or be approved for a mortgage. Regardless, it is important to consider flood insurance as a standard homeowner's insurance policy will not cover damages due to flooding.


You can choose up to $250,000 of maximum coverage for the structure of your home. You also have the option to choose up to $100,000 for the contents of your home. Make sure you are aware of what is covered and what is not. The walls, windows, and roofs of your home should be taken into consideration when looking for coverage. Dwelling areas usually cover those as well as electrical wires, central AC, and hardwood flooring. Trees, plants, outdoor landscaping, is usually not covered under flood insurance. We can also help you to determine which flood zone your home is in to give you a better idea of what coverage option you should choose.

Choosing the Right Partner

When you are shopping for flood insurance, it is important to speak with someone that you can trust. Our team is here for you every step of the way, and is ready to:

  • Explain your policy so it is easy to understand
  • Identify essential coverage you could be missing
  • Guide you through the process beginning to end
  • Advocate for you throughout your claims process

Ready to get started?

Click below to complete your complimentary, no-obligation flood insurance quote.


Have questions? Click here to send us a message!

Brent Schroyer

Brent Schroyer

Insurance Advisor
Chastity Spofford

Chastity Spofford

Insurance Specialist

Why Partner With Us?

  • Locally owned and operated
  • Compare multiple carriers
  • Combine policies for great rates
  • Print your auto ID cards and access your insurance documents from our Client Service.

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From our Community

Partner Carriers

  • American Modern
  • ASI
  • Bankers
  • Burns & Wilcox
  • Foremost
  • Hagerty
  • Heritage
  • Jackson Sumner
  • Johnson & Johnson
  • Liberty Mutual
  • National General
  • Progressive
  • Safeco
  • Tapco
  • The Hartford
  • Travelers
  • Universal
  • Utica