Purchasing Flood Insurance

Flood Insurance Overview

Homeowners and business insurance policies DO NOT cover losses from floods or flood damage. Flood insurance policies must be purchased separately to protect valuable assets, such as a home, business, and possessions. There is a 30-day waiting period for a policy to become effective.

Flood insurance policies are based on the flood zone of the property.

• Properties in Flood Zone X are highly recommended to carry flood insurance. Residents who are insured in Zone X roughly file 40 percent (%) flood insurance claims and receive 33 percent (%) of the financial disaster assistance.
• Properties in Flood Zone AE must carry flood insurance if they have a federally-backed mortgage.
• Renters are encouraged to purchase flood policies to protect personal property with contents coverage.

Find Your Flood Zone

For flood insurance advice or to find your flood zone determination, call the Raleigh Floodplain Team at (919) 996-3777, email floodplain@raleighnc.gov, or visit floodsmart.gov.

Tips and Best Practice

When flood insurance is purchased, keep a record of the policy and an itemized list of furnishings, clothing, and valuables in a safe place, such as a safe deposit box. Take photos and and document receipts of your items. 

Call your agent or broker immediately if you suffer flood damage.