FPI Icon

Flood Insurance

Why is flood insurance important?

Flooding is one of the most common and costly natural disasters in the country. It doesn’t take a hurricane to cause serious damage. Heavy rain or poor drainage can put your home at risk.

Many homeowners are surprised to learn that a standard policy does not include flood protection. Without dedicated flood insurance, you could be left paying out of pocket for major repairs.

Coverage makes a difference

Flood insurance does more than protect your house. It helps you recover faster and reduces financial stress after a storm.

Even homes outside of high-risk zones can be affected. With the right policy, your home, belongings, and savings stay protected.

Request a quote

This field is for validation purposes and should be left unchanged.

What does flood insurance cover?

Flood insurance protects your home and belongings from damage caused by rising water, storm surges, or heavy rainfall. You can’t purchase coverage after the water reaches your door, so planning ahead is essential.

Protecting your property starts with knowing your risks. We’re here to help you understand your options, find the right coverage, and make sure you’re not paying more than you need to.

Required and Additional Protection

Flood insurance typically helps cover:

  • Structural damage to your home

  • Electrical and plumbing systems

  • Heating and cooling equipment

  • Appliances and flooring

  • Debris removal

  • Foundation repair

Optional coverage may include:

  • Personal belongings

  • Temporary housing costs

  • Basement contents

  • Detached structures like garages or sheds

Floodwater pooling in the front yard of a suburban home after a heavy storm in North Carolina

Why We're Different?

Flood risks are not one-size-fits-all. The right policy depends on where you live, how your home is built, and what matters most to you.

Many homeowners think they’re fully covered until water damage proves otherwise. At FinPoint, we look beyond the basics to help you find coverage that fits your home and gives you real peace of mind.

FinPoint Insurance Logo

Where Protection
is Our Point

Wilmington Office

1613 Military Cutoff Road Suite 200
Wilmington, NC 28403
info@finpointinsurance.com
Phone: (910) 799-6161
Fax: (910) 799-3033

Leland Office

1018 Grandiflora Dr, Suite A
Leland, NC 28451
info@finpointinsurance.com
Phone: (910) 383-0303
Fax: (910) 383-0304

Southport Office

4911 Old Long Beach Rd SE, Suite 2
Southport, NC 28461
info@finpointinsurance.com
Phone: (910) 454-9800
Fax: (910) 454-8080

Copyright © FinPoint Insurance. All Rights Reserved. Accessibility. Site by ILM.