Flooding is not covered by a standard homeowner's insurance policy. Since Morehead City participates in the National Flood Insurance Program (NFIP), flood insurance is available to homeowners, condominium owners, commercial owners, and renters.
Renters are encouraged to purchase flood insurance for the contents of their home. Homeowners can get up to $250,000 of coverage and businesses up to $500,000. Renters can obtain up to $100,000 of coverage. If you have flood insurance, check the amount or speak with your insurance provider to verify that contents are covered in the event of a flood.
Note that there is a 30-day waiting period before coverage goes into effect. That means now is the best time to buy flood insurance! Contact your preferred insurance agency for more information. Additional information can be found online at the National Flood Insurance Program website, the Repetitive Flood Portal, or by calling 888-379-9531.