How much is Flood Insurance in North Carolina?

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FloodPrice.com is pleased to work with some of the nation's largest private flood insurers to provide you with coverage you can trust. Our instant quote tool assesses rates from numerous carriers to get you the best coverage for the lowest price. 

How much is Flood Insurance in North Carolina?

The average cost per policy in North Carolina through the NFIP is $715.38. Depending on where you live, this average could vary substantially! Depending on your deductibles, the cost of your home and contents, your premiums can change. The top 10 most populated cities in Colorado are listed below with their average cost per policy through the NFIP. If you're interested in a quote for a private flood insurance policy to compare costs, we offer a 100% online quote process.

Average Costs through the NFIP*

City
Average Cost per Policy
Charlotte
$575.98
Raleigh
$790.78
Greensboro
$767.68
Durham
$742.87
Winston-Salem
$727.19
Fayetteville
$534.24
Cary
$511.27
Wilmington
$569.06
High Point
$865.77
Concord
$455.03

*Prices as of April, 2021.

How do I save money on Flood Insurance in North Carolina?

Get a quote for private flood insurance and compare it to a quote through the NFIP. Getting a quote through FloodPrice.com is an entirely online process, no need to wait for a callback or an email! When comparing your quote to the NFIP, don't just compare the costs, check what's covered by the NFIP so that if you try to submit a claim, you're not caught off-guard by what is, and isn't, covered.

How do I find out if my house is in a FEMA Flood Zone?

If you're wondering if you're in a flood zone, or close to one, enter your address on our FEMA Flood Zone map lookup.

Even if you're not in a flood zone that requires flood insurance, it does not mean that you're free from the risk of flooding. 

Does my homeowner insurance in North Carolina cover flooding?

Typically, your homeowner's insurance will be written through Allstate, Progressive, Farmers or possibly a State Farm agent. Homeowner's insurance generally excludes flood coverage. Obtaining a flood insurance policy is typically left up to the homeowner. If you're looking to get a policy, we offer a 100% online process, you can get a quote started here!

What is not covered by the NFIP?

The NFIP flood insurance does not cover additional living expenses or loss of income. Fences, hot tubs, landscaping, and more*. Visit their website to see everything that is, or isn't, covered by the NFIP. If you'd like to be free from these limitations and have more options for coverage, consider getting flood insurance from a private company,

*information subject to change.

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