Flood Insurance
in Outer Banks, NC
SHIELD YOUR HOME FROM COASTAL FLOODING
Tailored Flood Insurance Solutions
Living in the Outer Banks means embracing coastal beauty and its inherent risks, including flooding. Standard homeowners insurance doesn't cover flood damage, making specialized flood insurance essential. Midgett Insurance Agency offers customized flood insurance policies for residents of Kitty Hawk, Kill Devil Hills, Nags Head, Manteo, Hatteras, and Currituck County, ensuring your home is protected against storm surges and rising waters.
Protect Your Outer Banks Property with Local Expertise
Building Property Coverage
Protects the structure of your home from flood-related damages.
Personal Contents Coverage
Covers belongings inside your home affected by flooding.
Basement Coverage
Addresses specific items and areas prone to flood damage.
Increased Cost of Compliance (ICC)
Assists with costs to elevate, relocate, or demolish your home post-flood.
Your Questions Answered
Navigating Flood Insurance in the Outer Banks
Why is flood insurance necessary in the Outer Banks?
Due to the region's low-lying geography and hurricane exposure, flood insurance is crucial to protect your property.
Can I purchase flood insurance if I'm not in a high-risk zone?
Yes, and policies in moderate-to-low-risk areas are often more affordable.
What factors determine flood insurance premiums in the OBX?
Premiums are based on flood zone designation, property elevation, and coverage amount.
Does flood insurance cover temporary housing expenses?
Typically, flood insurance focuses on property damage; additional living expenses may require separate coverage.
How can Midgett Insurance Agency assist with flood insurance?
Contact UsOur local expertise allows us to navigate FEMA regulations and tailor policies that best protect your coastal property.