Property Insurance
Flood Insurance in North Carolina
Flood insurance for North Carolina homes and rental properties. Standard homeowners insurance does NOT cover flood damage. BlackArrow Insurance writes both NFIP (National Flood Insurance Program) policies and private flood alternatives — often with broader coverage and competitive rates — for properties across Eastern NC, the coastal counties, and the Tar River basin.
What's Covered
Coverage Types
Building Property Coverage
Pays to repair or replace your home's structure after flood damage. NFIP caps building coverage at $250,000; private flood can go higher.
Personal Contents Coverage
Covers furniture, electronics, and personal belongings damaged by flooding. NFIP caps contents at $100,000; private flood often offers higher limits.
Loss-Avoidance Measures
Reimburses costs for protecting your property as a flood is imminent — sandbags, temporary barriers, and removal of contents.
Replacement Cost vs. Actual Cash Value
For your primary residence, NFIP pays replacement cost on the building. Contents are typically actual cash value unless upgraded. Private flood can offer replacement cost on both.
Optional Additional Living Expenses
Private flood policies often include ALE coverage if your home is uninhabitable — NFIP does not.
Who Benefits
Who Needs Flood Insurance in North Carolina?
Flood Insurance in North Carolina is designed for a variety of individuals and organizations. Find out if this coverage is right for you.
Get a Personalized QuoteHomeowners in FEMA Flood Zones
Required by federally-backed lenders for homes in AE, A, V, or VE zones. Coastal NC (Wilmington, New Bern, Carolina Beach) has extensive mapped flood zones.
Properties Near the Tar River or Cape Fear River
Hurricane Florence and Matthew caused widespread inland flooding. Many affected properties were outside mapped zones.
Coastal NC Property Investors
Rental dwellings, vacation homes, and short-term rentals in coastal counties typically need flood coverage independent of dwelling policies.
Pricing Factors
What Affects Your Premium
FEMA flood zone designation (AE, VE, X, etc.)
Elevation of the lowest floor relative to base flood elevation
Building construction type and foundation
Coverage limits and deductible selection
NFIP vs. private flood (private often costs less for high-elevation properties)
FAQs
Frequently Asked Questions
Does my homeowners insurance cover flood damage?
How much is flood insurance in NC?
What's the difference between NFIP and private flood insurance?
Is flood insurance required in NC?
How long does it take for flood insurance to take effect?
We compare Flood rates from leading carriers
Get Your Flood Quote Today
Our licensed agents will help you find the right flood coverage at the best rate. No obligation, no hassle.