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Home > Flood Insurance | Outer Banks & Greenville, NC

Flood Insurance


Flood Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.

Flood Quote Form

Flood Insurance Customer Service Options

Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.

Flood Property Loss Claim Form
Request Declaration and Coverages Page for Existing Flood Insurance Coverage

Flood Insurance Information

Coastal North Carolina is home to numerous, bays, inlets, ports and thousands of miles of waterways and coastlines. Since this is a flat region located near multiple bodies of water, there are plenty of flood risks in nearly any community. That’s why you need flood insurance on your home or business. However, you can’t receive this benefit from your standard property insurance. You must get separate flood insurance.

Flood insurance is a unique and heavily regulated insurance market. Therefore, North Carolina residents who need a policy will benefit from the expert assistance that Weatherly Insurance can provide. We offer flood insurance options that we can customize to meet your needs for your property.

Don’t hesitate to contact us for a flood insurance quote now.

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Common Home Insurance Questions

Why Do I Need Flood Insurance?

Standard homeowners insurance will not cover flooding from heavy rain, storm surge or other weather events. When water levels rise, a home without flood insurance won’t have the dwelling and contents protection that the owner might need to be able to rebuild. Therefore, it’s imperative to have this coverage, particularly if you live in an area with high flooding risks.

What Does Flood Insurance Cover?

Most flood insurance policies are underwritten by the National Flood Insurance Program (NFIP), which helps support the coverage offered by numerous private insurers throughout the nation. Because the NFIP is a government program, most policies must meet strict regulations as defined by federal law.

NFIP-backed policies offer the following coverage:

  • Structure Insurance: This coverage will pay for damage the flood does to your property itself. It can pay for requisite repairs up to a policy limit of $250,000 for properties with four or fewer dwelling units, and $500,000 for properties with five or more dwellings. The maximum structure coverage limit for commercial properties is $500,000.
  • Contents Insurance: In private homes, the maximum coverage limits for flood-damaged belongings are $100,000. There will be an extra limit of $2,500 for the combined losses of fine art, collectibles, furs and jewelry. The limit of commercial contents insurance is $500,000.

Keep in mind, these policies will include deductibles and exclusions that could limit how much compensation you can receive for a given claim. Policies will not cover extra living expenses you might sustain if you must vacate the property following flood damage, either.

If you are concerned that the limits of the standard NFIP policy will not adequately protect your property value, then don’t hesitate to contact your Weatherly Insurance agent. We can help you fully understand the benefits of NFIP flood plans and can investigate private flood insurance options that might help you expand your coverage.

Where Is Flood Insurance Required?

Countless communities across the United States participate in the National Flood Insurance Program, which qualifies their residents to receive flood insurance. These communities work with the NFIP to analyze flood data and map the flood risks in different areas.

In communities with the highest flood risks, residents with mortgages will probably have to buy a flood insurance policy through the NFIP. When you take out a mortgage, and the lender sees that you live in a high-risk flood zone, they are likely required by law to ensure that you buy flood insurance.

Residents of low- or medium-risk flood zones also have the option to buy this coverage, and we highly recommend that you do so.

For more information on which North Carolina communities participate in the NFIP, click here.

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Contact us Kill Devil Hills Location
2810 N. Croatan Hwy.
PO Box 3426
Kill Devil Hills, NC 27948

O: (252) 480-1284
Fx: (252) 480-1071
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