North Carolina Flood insurance coverage

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Flood Insurance

North Carolina and South Carolina are struck by periodic flooding, which can wreck havoc on communities, properties, and homes. Unfortunately, standard homeowners insurance usually does not cover floods. Fortunately, the Pentagon Group provides high-quality flood insurance at a reasonable price.

The North Carolina and South Carolina governments do not require homeowners to purchase flood insurance. That said, it’s still a wise idea for homeowners to buy flood insurance. Even if your home is not located in a flood-prone area, purchasing flood insurance is a smart and prudent choice.

When Should I Purchase Flood Insurance for My North Carolina and South Carolina Home?

Any home located in a flood plain, or is otherwise at risk of flooding, should be protected by flood insurance. If your home is located in a FEMA-designated flood zone that begins with an “A” or “V,” you will need to purchase flood insurance if you want to obtain a mortgage. That’s because homes in these areas are at a 1% or greater risk of being damaged by floods.

Often, homes located at a low elevation, near a lagoon-like the Palmco Sound, or by a river, such as the Neuse River, are at high risk of flooding. The North Carolina Flood Risk Information System provides a tool that you can use to check your home’s flood risks. Even if you're in a low-risk area, purchasing flood insurance is still a wise idea.

What Are the Most Common Causes of Flooding in North Carolina and South Carolina?

Many different events and conditions can result in flooding. Let’s look at some of the most common causes:

  • Heavy seasonal rains
  • Hurricanes and tropical storms
  • Large snow melts
  • Storm surges

Other events may also cause flooding. Given the nature of flooding, it’s hard to predict if or when a flood could occur.

Get a Flood Insurance Quote

Contact the Pentagon Group today, and our experts will help you understand the risks of flooding and provide a quote!

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