Information to Know

During a Flood:


Never attempt to drive though flooded roadways. Drowning is the most common flood-related cause of death. 

  • Stay away from power lines and electrical wires. Electrocution is the second most common flood-related cause of death.
  • Avoid low-laying areas. Seek shelter in the highest areas possible.

If you are at home:

  • Turn off electricity at the main breaker.
    • If you lose power, turn off all major appliances. 
  • Turn off the gas and be alert for gas leaks.
    • Use a flashlight to inspect for damage.

After a Flood:

  1. 1) Start the Claims Process
  2. 2) Prepare for Damage Assessment
  3. 3) Throw away flooded contents and supplies
  4. 4) Make Repairs

When it’s safe to return to your home, you should file a Flood Damage Claim of your loss immediately to your agent or insurance company. If you’re unsure how to contact your insurance agent/company, call the FEMA Mapping and Insurance eXchange (FMIX) at 877-336-2627.

 Increased Cost of Compliance (ICC) Claim (Quick Guide)
(separate from a flood damage claim)

If Morehead City Building Staff determines that your home or business has been substantially damaged or repetitively damaged by a flood, during the permitting process for repairs, Then contact insurance agent/company to be assigned a claims representative to assist in filing an ICC claim.