If you’re a homeowner in North Carolina, you might be wondering if flood insurance is really necessary, especially if you don’t live near the coast. The short answer? Yes, you probably do. Many people assume their standard homeowners policy covers flood damage, but it doesn’t. Flood insurance is a separate policy, and if you don’t have it, you’re left unprotected when the unexpected happens.
Recent flooding in parts of North Carolina, like what we saw during Hurricane Helene, shows how unpredictable flood risk can be. Heavy rains, hurricanes, and even new construction altering drainage patterns can cause flooding where you least expect it. In fact, about 25% of all flood insurance claims come from areas outside high-risk flood zones. Just because you don’t live in a FEMA-designated flood zone doesn’t mean you’re safe from water damage.
So why can’t your homeowners insurance handle it? Regular home insurance covers a lot, but flooding is specifically excluded. Without a flood policy, even a few inches of water in your home can lead to tens of thousands of dollars in repair costs—and you’ll be paying that out of pocket.
Flood insurance is more affordable than you might think, especially compared to the cost of recovering from flood damage on your own. Plus, you don’t have to live in a high-risk area to get it. Policies are available through the National Flood Insurance Program (NFIP) and private insurers, and they cover both the structure of your home and your belongings.
At Agape Insurance Group, we’ve seen firsthand how having the right coverage can make a huge difference when disaster strikes. Protect your home and your peace of mind by getting a free flood insurance quote. We’ll walk you through the options and make sure you understand how simple and affordable it can be to stay covered.
Don’t wait for the next storm. Reach out to us today and get the protection you need before you need it.