Flood Insurance · Charlotte, NC
It rained for six hours. Your basement is now a swimming pool.
Your homeowners policy won't cover a dime of it. That call surprises people every summer in Charlotte — and it's the one call we most wish we could take before the storm, not after.
Flood quotes backed by National General — an Allstate company
Not covered by homeowners
Flood is a separate policy — it is never included in a homeowners or renters policy. Without it, flood damage comes straight out of your pocket.
What it covers
Overflowing brooks, streams, and lakes; heavy rainfall and flash floods; and flooding caused by storm damage — both structure and personal property.
Around $129 a month
Basic residential flood coverage starts around $129/month — a small price for protecting your home and everything in it.
Flood-focused annuities
Looking for income protection and retirement planning built around flood and disaster resilience? Visit our dedicated annuities site.
Visit anthonythefloodguy.comAllstate-backed flood quotes
Your flood quote comes with big-name muscle.
We quote your flood coverage through National General, an Allstate company — real protection priced for your address, in about the time it takes to finish your coffee.
Prefer email? Send your address and we'll walk through your home's elevation together.
Email anthony@capitalinsurance.org
Flood insurance questions from Charlotte homeowners
- I'm not in a flood zone in Charlotte — do I really need flood insurance?
- More than 25% of flood claims come from properties outside high-risk zones. Charlotte's summer storms and creek overflows regularly flood homes the FEMA map calls low risk. If your basement or first floor would be a problem underwater, you need it.
- Doesn't my homeowners policy cover flooding?
- No. Standard homeowners and renters policies specifically exclude damage from rising water. Flood must be a separate policy — that's what we write.
- How much does flood insurance cost in Charlotte?
- Basic residential flood coverage starts around $129 per month, depending on your home's elevation, foundation type, and coverage limits. We'll pull the exact quote for your address.
- What does flood insurance actually cover?
- Damage from overflowing creeks, streams, and lakes; heavy rainfall and flash floods; and flooding caused by storm surge. Both the building and your personal property can be covered.
- Who backs the flood coverage you quote?
- Your flood quote runs through National General, an Allstate company — one of the most recognized names in protection. You get Allstate-size backing with a local Charlotte agent who picks up the phone.
Related coverage
Don't wait for the water to rise.
Talk to a licensed agent who will compare carriers and tailor a policy to your needs — good record or bad, we can help.
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