Southern Insurance Agency

 Flood Insurance

Flooded HouseDid you know that some water damage to parts of your home may not be covered under your Homeowners policy? If you live in a high risk flood area, you may be required to have Flood Insurance. If you do not, we still might strongly recommend it.

The Government created the National Flood Insurance Program to help individuals protect against this kind of damage and to assist communities during time of flood. Make sure your home is covered from top to bottom if the worst should happen.

Coverage's Available (available to North Carolina residents only)

What it covers

Contact us to learn more about Flood Insurance


FLOOD INSURANCE REFORM ACT OF 2012FEMA - National Flood Insurance Reform Act BW12
In July 2012, the U.S. Congress passed the Biggert-Waters Flood Insurance Reform Act of 2012 (BW-12) which calls on the Federal Emergency Management Agency (FEMA), and other agencies, to make a number of changes to the way the National Flood Insurance Program (NFIP) is run. Some of these changes already have occurred, and others will be implemented in the coming months. Key provisions of the legislation will require the NFIP to raise rates to reflect true flood risk, make the program more financially stable, and change how Flood Insurance Rate Map (FIRM) updates impact policyholders. The changes will mean premium rate increases for some—but not all—policyholders over time. Homeowners and business owners are encouraged to learn their flood risk and talk to their insurance agent to determine if their policy will be affected by BW-12.

For more information about the National Flood Insurance Program's history, how it works, and important changes recently enacted by Congress, please watch this video brought to you by H2O Partners, Inc.  You'll learn what these changes mean for both the Program and your community, the timing of these changes, and how they'll help ensure that the National Flood Insurance Program remains a strong and vital resource for our communities.

Weather for KITTY HAWK, NC
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