Save 20% to 50% on your North Carolina flood insurance!
When water rises you NEED Flood Insurance and there are two types of coverage to choose from!
When it comes to flood insurance in North Carolina, homeowners have two primary options: NFIP flood insurance through the National Flood Insurance Program (NFIP), which is managed by FEMA, and private flood insurance.
Recent flooding in Brunswick County, New Hanover County, and communities across North Carolina is an important reminder that flooding can happen both inside and outside high-risk flood zones. A standard homeowners insurance policy typically does not cover flood damage, making a separate flood insurance policy an important consideration for protecting your home and belongings.
At Cold Mountain Insurance, we help homeowners compare NFIP and private flood insurance options to find coverage that fits their property and budget. Whether you need flood insurance in Bolivia, NC, Brunswick County, New Hanover County, or anywhere in North Carolina, we can help you compare available coverage and pricing.
PRIVATE FLOOD
Private flood insurance policies start as low as $286.93 per year and provide excellent protection for a wide range of homes. Unlike NFIP, private flood is simple, customizable, and designed to fit your needs.
With flexible payment options, lender acceptance, and little to no waiting period, private flood makes getting coverage easy.
It can also offer benefits NFIP doesn’t, including:
- Loss of Use coverage
- Replacement cost protection for contents
- Only a 7 to 10 day waiting period (vs. 30 days with NFIP)
Depending on where you live, you can have coverage in place in about a week, helping you secure peace of mind quickly and affordably.
NFIP FLOOD
The National Flood Insurance Program (NFIP) provides essential protection for homeowners, renters, and businesses, helping them rebuild and recover more quickly after a flood. With nearly 23,000 participating communities, coverage is widely available and ensures financial stability when disaster strikes. Flood insurance through NFIP offers key advantages:
- Nationwide availability, protecting both coastal and inland properties.
- Affordable, government-backed rates, ensuring fairness and consistency across communities.
- Community resilience benefits, since NFIP participation supports local floodplain management and can reduce future risks.
Even if you’re outside a high-risk zone, NFIP flood insurance is available and affordable, providing valuable protection against the unexpected.
