Click to Call
Lee Insurance Agency LLC

119 W South Railroad St, PO Box 1212
Four Oaks, NC 27524

What North Carolina residents need to know about flood insurance policy

North Carolina does not require homeowners to buy flood insurance, but those residents who own houses in flood-prone areas may be required to buy coverage to qualify for a mortgage. It is also wise for residents who do not reside in high-risk flood areas to consider buying flood insurance because standard homeowners policy does not cover damages related to flooding.

The price of flood damage can easily reach tens of thousands of dollars, even with a few inches of water. Studies reveal that North Carolina is susceptible to many flood-related disasters, including seasonal heavy rains and hurricanes annually. It is vital to understand that NFIP(National Flood Insurance Program) does not cover some events such as loss of income. Therefore it’s prudent to consider buying some policies from authorized private insurance companies in the state of North Carolina.

The private flood insurance companies provide a wide range of policies, and there is the likelihood of meeting your needs. Contact our agents at Lee Insurance Agency LLC in North Carolina and acquire an outstanding insurance policy that will guarantee your protection if flood-related damages occur unexpectedly.

What is covered under the flood insurance policy offered at Lee Insurance Agency LLC?

We have two coverages as prescribed by NFIP:

  • Structure(dwelling)
  • Content(property)

Structure coverage covers:

  • Standard home systems like central AC, furnace, and electrical wiring.
  • Wall, windows, doors, and roof.
  • Built-in appliances such as refrigerators.
  • Permanent carpeting.
  • Detached garages.
  • Debris removal.

Property coverage covers:

  • Furniture and movable -floor covering like rugs.
  • Electronics.
  • Clothing.
  • Curtains.
  • Portable appliances such as window air conditioners and microwaves.
  • Frozen food but not refrigerated.

What is not covered under flood insurance.

  • Decks.
  • Fences.
  • Trees and plants.
  • Hot tubs and pools.
  • Precious metals.
  • Cash and stock certificates.
  • Landscaping.
  • Outdoor paths.

Flooding is an imminent natural calamity in the entire United States, costing billions annually. Contact us or visit our Lee Insurance Agency LLC in North Carolina to avert financial ruin associated with inefficient flood insurance coverage.


Partner Carriers

  • AAA
  • American Modern
  • ASI
  • Cabrillo Coastal
  • Dairyland
  • Foremost
  • Hagerty
  • Kemper
  • MetLife
  • monthly payment plan
  • National General
  • NC Grange
  • Progressive
  • RLI
  • Safeco
  • The Hartford
  • Tower Hill
  • Travelers
  • Universal Property & Casualty
  • UPC
  • Wright Flood