Many homeowners assume they don’t need flood insurance because they’re “not in a flood zone.” But the truth is—everyone is in a flood zone. The only question is: Is your risk high or low?
What Is Flood Zone X?
Most properties in North Carolina fall into Flood Zone X, which FEMA designates as low risk. However, low risk doesn’t mean no risk.
Flood Zone X properties can still experience flooding due to:
– Heavy rain and poor drainage
– Storm drain backups
– Water runoff from nearby construction
– Mudslides and ground movement caused by water
What Homeowners Insurance Doesn’t Cover
Standard homeowners insurance does not cover flood damage.
It also won’t help if:
– Water accumulates outside and enters your home
– Mudslides (fluid ground movement) damage your property
– Water crosses a property line and impacts multiple homes
These scenarios require a separate flood insurance policy.
What Counts as a “Flood” in Insurance Terms?
Flood insurance typically covers:
– Pooling or gathering of water from outside
– Damage that crosses over property lines
– Ground movement or mudslides caused by water
It kicks in where homeowners insurance stops—providing protection for those unexpected water-related disasters.
How Much Does Flood Insurance Cost?
If you’re in Flood Zone X, flood insurance is often very affordable. At Connor Insurance, we offer access to private flood insurance quotes online, in minutes.
➡️ Visit our flood page to get a quote now: ConnorInsuranceAgency.com
Should You Buy Flood Insurance?
If you’re unsure, here’s what to do:
1. Find out what flood zone you’re in (we can help).
2. Consider your property’s slope, drainage, and surroundings.
3. Get a fast quote—then decide.
Protect What Homeowners Insurance Can’t
Flooding is the #1 natural disaster in the U.S. Don’t assume you’re safe just because you’re “not near water.” One heavy rainstorm can change everything.
Get a flood quote or give us a call today. Let’s protect your home from the unexpected.