Navigate Local Flood Zones with Our Comprehensive Guide to Flood Insurance in Nashville NC

Nashville, NC, is a beautiful coastal city located alongside the mighty raging waters of the Atlantic Ocean. Local homeowners feel safer living in this serene coastal environment when they know their homes and valuables are protected by flood insurance from trusted providers like Hedgepeth-Hutson Insurance Services Inc. 

Understanding Flood Risk in Nashville, NC

Nashville has a rich history, a vibrant community, and a location near nearby rivers and larger bodies of water, which puts this comfortable community at risk for flooding. Proactive action, including investing in a local flood insurance policy, is the best way to protect your home against the aftermath of devastating floods. 

The Following Factors Contribute to the High Flood Risk in Nashville.

  1. Proximity to Rivers and Streams 
  2. Low Lying Areas Prone to Flooding During Periods of Heavy Rainfall
  3. Historical Flood Data Showing the Likelihood of Flooding in High-Risk Zones

Why Flood Insurance is a Wise Investment for Local Homeowners 

Many local homeowners aren’t aware that most standard home insurance policies don’t automatically include flood damage. Talk to a trusted local insurance agent to ensure that your home, family, and valuables are protected from risk in a devastating flood. 

Benefits of Flood Insurance for Coastal North Carolina Homeowners

  • Coverage for Structural Damage
  • Compensation for Personal Property
  • Coverage for Living Expenses 

Don’t wait until it’s too late to protect your home and valuables from the devastating effects of flooding caused by natural disasters, plumbing incidents, sewage backups, and related incidents. 

Get flood insurance advice from local experts at Hedgepeth-Hutson Insurance Services Inc. Our knowledgeable and friendly agents can answer your flood insurance-related questions and provide you with a quote! 

Five Fun Facts about Flood Insurance

Flood insurance is one of those policies that people either don’t know much about or have misconceptions about. Here are some fun facts about flood insurance that you need to know.

Flooding is not covered by home insurance.

When people buy a house and insurance for that house, some think that their home insurance will cover everything. Unfortunately, there are some things that home insurance doesn’t cover, and that includes flooding. If you want to be protected against flooding, you need to buy separate insurance.

Flood damage is expensive.

Statistics say that even as little as an inch of water can cost several thousands of dollars worth of damage. If you are stuck without flood insurance, the damage could eat up your savings in a matter of minutes.

Flood insurance can be affordable.

Many people think that adding extra insurance is expensive, and they won’t be able to afford it. However, flood insurance only adds a few extra dollars per month to your insurance costs. It is better to have insurance and not need it than to have unexpected flood damage to pay for.

Flood insurance is available to everyone.

Contrary to popular belief, flood insurance is not just for people who live in flood zones. Even if you don’t live in an area prone to flooding, you might benefit from flood insurance. Flood insurance is recommended for anyone who has stuff that would be costly to replace in a flood.

Flood insurance takes 30 days to kick in.

It is advisable not to wait until a flood happens to get flood insurance. If you wait until the last minute, it will not cover you. Most insurance companies won’t cover flooding until 30 days have passed from when you purchased flood insurance to when the flooding occurred.

Contact Hedgepeth-Hutson Insurance Services Inc.

Please visit or contact us at Hedgepeth-Hutson Insurance Services Inc. in Nashville, NC for your flood insurance quote today.

Do I Live in a Flood Zone?

Determining if you live in a flood zone has never been easier than with the Federal Emergency Management Agency’s (FEMA) Flood Map Service Center. This free-to-access and use website shows information like food zones and floodways and lets you search by address to determine if your home or one you are considering purchasing is in a high-risk flood area. Your home is designated by a zone, with the most common ones being:

  • Zone A: High risk or most commonly occurring flood zone. If you live in this zone, flood insurance is likely required.
  • Zone B: Homes in this area have a moderate flood hazard risk.
  • Zone C: Minimal flood hazard risk
  • Zone D: Possible risk of flooding, but the hazard level is undetermined.
  • Zone V: Special flood hazard area for coastal areas with a high risk of floods.

In addition to purchasing flood insurance to protect your home, you can take a few other steps to prevent or mitigate flooding. Start by purchasing a flood sensor that notifies you of water leaks before they become major problems. You can purchase standalone flood sensor devices or bundle the technology with your home security system. Lastly, investing in a sump pump for your home is a relatively cost-effective and proven way to quickly remove unwanted water from your home before severe damage occurs.

At Hedgepeth-Hutson Insurance Services Inc. in Nashville, NC, our talented and committed team of insurance professionals are ready to help you with all your flood insurance questions. Whether you are looking to learn what flood zone you are in or have questions about what a flood insurance policy covers, we are here to help. Give us a call today to schedule a no-obligation consultation with our team. 

What Does Flood Insurance Cover?

We need water to live, but sometimes water can have detrimental effects when it hits our house as a flood. The damage from a flood can be extremely costly and time-consuming to clean up, so it does not cause mold to form. A homeowner can end up pain $20,000 or more due to damages from just one flood.

People who live in floodplain areas are more than likely required to have flood insurance, but it’s a great idea for everyone to have it because you never know when a flood will occur in your area. While North Carolina homeowners are not required to obtain flood insurance, it is available throughout the state through a federally-backed program called the National Flood Insurance Program. It can be obtained through private insurance companies, such as Hedgepeth-Hutson Insurance Services Inc. in Nashville, NC.

Types of Flood Insurance

There are two main types of flood insurance available to homeowners: building property flood insurance and personal property flood insurance. The building property type insurance will provide the replacement cost value of your house if it is destroyed in a flood or to repair damages in curd to your house from a flood. Personal property flood insurance will provide coverage to replace $100,000 of your personal belongings and household items that were inside your home and lost to a flood. This does not include the depreciation value of each item.

To obtain a private flood insurance policy with all the coverage you need for your situation, contact the flood insurance agents at Hedgepeth-Hutson Insurance Services Inc. in Nashville, NC. Call for a flood insurance policy quote or for an appointment to obtain a flood insurance policy and get it started. Time is essential since many policies do not go into effect until 30 days after the policy is initiated. In other words, do not wait until the storm is upon you to try to get your flood insurance policy in place.

What You Need To Know Before Buying Flood Insurance

If you live in an area of Nashville, NC with significant flood risk, you’re probably thinking of calling Hedgepeth-Hutson Insurance Services, Inc., but before you do that, there are a few things you’ll want to know.

  • If you live in a high-risk flood zone, you might be required to buy flood insurance by your mortgage lender. Home insurance is rarely a legal mandate, but lenders can, to an extent, write their own rules in this regard. 
  • Even if you’re not in a high-risk flood zone, that doesn’t necessarily mean that you won’t be severely affected by a flood. If you are near a high-risk area, it only takes one foot of water to cost tens of thousands of dollars in damages to your home.
  • You can generally find out your risk level by asking an insurance agent. Let them know where you live, and they’ll tell you if you’re in a high-risk flood zone.
  • You can lower your rates by being flood-ready. Some of these measures may be expensive and difficult, like raising your home’s floor level, while others may be quite simple, like keeping your gutters and pipes clean.

As with any insurance policy, it’s important to remember that this is a backup plan. If you’re still home-shopping in Nashville, NC, it might not be a bad idea to check an area’s level of risk before buying.

If you’ve covered your bases, go ahead and get in touch with Hedgepeth-Hutson Insurance Services, Inc. through email or by phone and see what we can do for you. A flood can wipe out a home’s value in minutes, and your home insurance probably won’t cover it. Hedgepeth-Hutson Insurance Services, Inc. will.