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.
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.comStart a flood quote online
Or email anthony@capitalinsurance.org and we'll walk through your home's elevation and pick the right coverage together.
Get a flood quote →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.
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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