Flood Insurance
Protect Your Home and Finances from Costly Flood Damage
Did you know that just one inch of floodwater can cause thousands of dollars in property damage? Standard home insurance does not cover floods, leaving many homeowners vulnerable to costly repairs.
Flood insurance provides essential coverage to protect your home, belongings, and financial stability in case of a natural disaster. At
Insured Carolina, we help homeowners, renters, and business owners find
affordable flood insurance options to ensure they are fully protected.
What Does Flood Insurance Cover?
A standard flood insurance policy includes coverage for:
What Is Flood Insurance?
Flood insurance is a separate policy that covers damage caused by flooding, including rising water from hurricanes, heavy rainfall, storm surges, and overflowing rivers.
- Covers structural damage, personal property, and appliances.
- Required for homes in high-risk flood zones with federally backed mortgages.
- Protects against costly repairs and replacements.
- Backed by the National Flood Insurance Program (NFIP) and private insurers.
Did you know? Floods are
the most common and costly natural disaster in the U.S., affecting
every state.
What’s NOT Covered by Flood Insurance?
Flood insurance does not cover everything. Exclusions typically include:
- Outdoor property (fences, decks, pools, landscaping).
- Temporary housing expenses if your home is uninhabitable.
- Basement improvements (flooring, drywall, carpeting).
- Cars and personal vehicles (covered by auto insurance).
- Damage caused by moisture, mildew, or mold that could have been prevented.
Tip:
To protect cars from flood damage, add comprehensive coverage
to your auto insurance policy.
Who Needs Flood Insurance?
- Homeowners in high-risk flood zones – Federally backed mortgages require flood insurance.
- Renters – Protects personal belongings from flood damage.
- Business owners – Covers commercial buildings, inventory, and equipment.
- Residents outside high-risk areas – 25% of flood claims come from moderate- or low-risk zones.
Even if you’re not in a FEMA-designated flood zone, floods can happen anywhere—and standard home insurance won’t cover it.
How Much Does Flood Insurance Cost?
Flood insurance rates depend on:
- Location & flood risk – High-risk areas cost more.
- Home elevation & structure type – Elevated homes may qualify for lower premiums.
- Coverage amount – Higher limits increase premiums.
- Deductibles – Higher deductibles lower monthly premiums.
Average Flood Insurance Costs:
- National Average: $700 - $1,200 per year.
- High-Risk Areas: $2,000+ per year.
- Low-to-Moderate Risk: As low as $300 per year.
Tip: Private flood insurance may offer lower rates and higher coverage limits than NFIP policies.
How Much Life Insurance Do You Need?
The amount of coverage you need depends on your financial responsibilities and future goals.
General Rule of Thumb:
Most experts recommend 10-15 times your annual income in coverage.
How Much Does Life Insurance Cost?
Life insurance costs depend on:
- Age – The younger you are, the lower your premiums.
- Health Condition – Non-smokers and those in good health qualify for lower rates.
- Coverage Amount – Higher coverage = higher premium.
- Policy Type – Term life insurance costs less than whole life.
Sample Monthly Premiums for a $500,000 Term Life Policy:
| Age | Healthy Non-Smoker | Smoker |
|---|---|---|
| 25 | $20 - $30 | $50 - $70 |
| 35 | $25 - $35 | $60 - $90 |
| 45 | $50 - $75 | $120+ |
| 55 | $90 - $150 | $250+ |
Tip: Buying life insurance at a younger age locks in lower premiums for the long term.
How to Buy Flood Insurance
01
Assess Your Risk
Use FEMA’s
Flood Map Service to check if you live in a high-risk area. Even if your home isn’t in a floodplain,
flood insurance is still a smart investment.
02
Choose NFIP or Private Flood Insurance
- NFIP Policies – Required for federally backed mortgages in high-risk zones.
- Private Flood Insurance – May offer lower rates and better coverage.
03
Select Your Coverage Levels
- Building property coverage – Protects your home structure.
- Personal property coverage – Covers belongings, furniture, and appliances.
04
Compare Quotes
At Insured Carolina, we help you compare NFIP and private flood insurance to find the best rates.
05
Purchase Your Policy
- NFIP policies require a 30-day waiting period before coverage starts.
- Private flood insurance may offer immediate or shorter waiting periods.
Why Do You Need Flood Insurance?
- Standard homeowners insurance does NOT cover floods.
- Flooding is the #1 natural disaster in the U.S..
- One inch of water can cause $25,000 in damage.
- Disaster relief funds aren’t guaranteed – Federal aid is only available if a national emergency is declared.
Fact: 90% of U.S. natural disasters involve flooding. Even if your home isn’t near water, a heavy storm could put your property at risk.
When Should You Buy Flood Insurance?
- Before a major storm or hurricane season – Last-minute policies won’t cover immediate threats.
- When purchasing a new home – Required for federally backed loans in high-risk areas.
- If your area has experienced flooding in the past – Future floods are likely.
- If you rent or own property near rivers, lakes, or coastal regions – Flood risk is higher.
Tip: Don’t wait until the last minute—most flood policies require a 30-day waiting period before taking effect.
Why Choose Insured Carolina for Flood Insurance?
- We compare multiple insurers to get you the best price.
- Expert guidance on NFIP vs. private flood insurance.
- Fast, hassle-free enrollment with personalized recommendations.
- Local knowledge – We understand flood risks in South Carolina & North Carolina.
📞 Call us today for a free flood insurance quote: 864-688-9707
📩 Email us: joshua@insuredcarolina.com