Standard homeowners insurance does not cover flood damage. Check your flood coverage.

Outer Banks to Brunswick Islands · Licensed NC Agent

Homeowners & Flood
Coverage Built for
the Entire NC Coast

From the Outer Banks to the Brunswick Islands, Morgan Scheibel Insurance helps coastal North Carolina homeowners understand their flood zone, close the gap between homeowners and flood coverage, and protect what matters most.

Call (910) 392-3392 Request a Free Coverage Review
Ground level Base Flood Elevation (BFE) Storm surge reference Elevated on pilings
WHY BASE FLOOD ELEVATION MATTERS FOR COASTAL NC POLICIES

Serving Coastal North Carolina

Outer BanksCrystal CoastWilmingtonWrightsville BeachCarolina BeachKure BeachBrunswick Islands
Licensed NC Agent
Flood Zone Guidance
Direct Claims Support
Whole-Coast Coverage

What We Cover

Homeowners & flood protection for every corner of the NC coast

Homeowners and flood insurance are two separate policies with two separate rulebooks. We make sure you understand both — and that neither one leaves you exposed.

Homeowners Insurance

Dwelling, personal property, and liability coverage tailored to coastal NC construction and risk.

Flood Insurance (NFIP)

Guidance on flood zone designation, NFIP policy limits, and the 30-day waiting period so you're never caught unprotected.

Coverage Gap Review

A side-by-side look at your homeowners and flood policies to spot the gap between what you think is covered and what actually is.

Local Expertise

Why coastal NC homeowners trust Morgan Scheibel Insurance

Every stretch of the NC coast carries different flood zone designations, elevation requirements, and construction standards. Morgan Scheibel Insurance is based in Wilmington and works with homeowners the length of the coast to make sure homeowners and flood coverage actually match the risk on the ground.

Flood insurance has a waiting period. Coverage gaps show up at the worst possible time. We'd rather find them now.

Zero
Flood coverage included in a standard homeowners policy
30 days
Typical NFIP flood policy waiting period
4
Coastal NC regions served, Outer Banks to Brunswick Islands
20%+
Of NFIP flood claims come from moderate- to low-risk zones

Sources: FEMA / National Flood Insurance Program (NFIP) Summary of Coverage; Insurance Information Institute (III), "Facts + Statistics: Flood Insurance." General industry figures — ask us how they apply to your property.

Get Started

Request a Free Coverage Review

Tell us about your property and we'll follow up directly with a licensed agent — no call center.

Contact

Talk to a licensed agent today

(910) 392-3392
morgandunlap@yahoo.com
3710 S College Rd, Unit 135
Wilmington, NC 28412

Flood policies carry a waiting period. The sooner your coverage is reviewed, the sooner you're actually protected.

Call (910) 392-3392

Questions

Homeowners & flood insurance, answered

Does homeowners insurance cover flood damage in North Carolina?+
No. Standard homeowners insurance policies exclude flood damage entirely. Flood coverage is a separate policy, most commonly through the National Flood Insurance Program (NFIP), a federal program administered by FEMA. Morgan Scheibel Insurance can help you understand your flood zone and get the right policy in place.
Is there a waiting period for flood insurance?+
Yes. NFIP flood policies typically carry a 30-day waiting period before coverage takes effect, with limited exceptions such as policies tied to a home purchase closing. This is why flood insurance should be secured well before storm season, not during it.
How do I know my flood zone?+
FEMA publishes Flood Insurance Rate Maps (FIRMs) that designate flood zones for every property. Even homes outside a high-risk flood zone can still flood — a meaningful share of NFIP claims come from moderate- to low-risk zones. We help you look up your specific zone and what it means for coverage requirements and pricing.
What does a homeowners policy cover on the NC coast?+
A standard homeowners policy typically covers the dwelling structure, other structures, personal property, and liability, along with wind and fire damage, subject to your specific deductibles. Coastal properties often carry a separate wind/hail deductible. Flood is never included and must be added separately.
Does Morgan Scheibel Insurance serve the whole NC coast?+
Yes. Morgan Scheibel Insurance is based in Wilmington and serves homeowners across the entire North Carolina coast, including the Outer Banks, Crystal Coast, Wilmington and the Cape Fear region, and the Brunswick Islands.

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Visit NCWindInsurance.com →

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Visit NCHurricaneInsurance.com →

Morgan Scheibel Insurance

The full range of personal insurance products, based in Wilmington, NC.

Visit morganscheibelinsurance.com →

Homeowners and flood coverage are one part of the picture. See the full range of protection from Morgan Scheibel Insurance.

Visit Morgan Scheibel Insurance