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Tarheel Insurance Group

201 N Front St
Suite 915
Wilmington, NC 28401

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Flood Insurance in North Carolina


Floods can devastate entire homes in North Carolina and elsewhere. In such natural disasters, the content of the homes and the structure itself can undergo damages. Someone has to pay for it. A lot of Americans assume that their state will help if they become flood victims. There is only limited help from this organization. When it comes to flood insurance, you are on your own. Tarheel Insurance Group in Wilmington, NC is here to help answer your questions.

Securing Flood Insurance

Bear in mind that if you want to secure flood insurance in the state of North Carolina, you are not allowed to purchase it yourself from the National Flood Insurance Program or FEMA. You have to first go through a licensed agent. Your agent, in turn, will act as the general agent and process your flood insurance policy from the National Flood Insurance Program. The agent can also use a private insurance carrier and get you the most affordable quote.

The Insurers and The Risk Zones

Insurers design their policies in risk zones into which all residential areas n the state of North Carolina are classified. The hazard class depends on the immediate proximity to a body of water, which quickly rises over its banks in heavy rain. Even if you are in a low-risk area, you should still consider flood insurance since it only takes one major storm to cause flooding and everyone would be affected. Insurance agents and brokers have access to the system, which informs them of these risk zones. With this information, the agent can calculate your monthly premium.

Acquiring At Affordable Costs

People who live in a higher risk zone may have to pay a little more, but the premiums could still be affordable and if you want to protect your home from the higher replacement costs associated with floods and other natural disasters, it is best to pay for the necessary protection.

Contact Us

If you are ready to acquire flood insurance at the most affordable rates, please contact Tarheel Insurance Group in Wilmington, NC and we will guide you and provide the information needed to make the ideal decision that will meet your personal needs.

Partner Carriers


  • Allstate
  • Attune
  • Cabrillo Coastal
  • Chubb
  • Dairyland
  • Foremost
  • Geovera
  • Grange
  • Guard Insurance Group
  • Hagerty
  • Heritage
  • Kemper
  • Liberty Mutual
  • Lighthouse
  • National General
  • Nationwide
  • North Carolina Joint Underwriting Association (NCJUA)
  • Progressive