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Eastern North Carolina - Flood Insurance

Coastal eastern North Carolina is a beautiful and wonderful place to live but there Queens Creek Hubert NC are some requirements here that newcomers to Onslow County may not be aware of.

Much of the property in and near bodies of water in Swansboro, Hubert, Jacksonville and surrounding areas are located in a flood zone whether they are on or near the ocean, sound, river or a creek. Many buyers are under the mistaken impression that only waterfront properties are required to obtain flood insurance. This is not necessarily true. It depends on the zones as determined by the National Flood Hazard Maps.

Lenders require homeowners to obtain flood insurance for the properties that are located within a flood zone. There are different levels or types of flood zones and which one the property is located in is important to you and your lender. To learn which zone applies to your property contact the Onslow County Planning Department, Zoning Division 910-455-3661.

Once you have this information any insurance agent can assist you with obtaining quotes and coverage. The premiums are very reasonable.

Buying or selling real estate in Onslow County NC ? I would consider it an honor to assist you. Others questions? I'll be happy to talk with you.

Cynthia Tilghman, Realtor, Onslow County Home Specialist 910 459 9189 Email Me

Kingsbridge Realty, Inc., Making Houses Homes

We take pride in assisting Military Families locate a home in Onslow County when relocating to Camp Lejeune North Carolina

Area expert for homes in Hubert North Carolina

Disclaimer: The opinions expressed by The Activerain Network and it's members and those providing comments are theirs alone. They do not reflect or express the opinions of Cynthia Tilghman and Kingsbridge Realty, Inc. Cynthia Tilghman and Kingsbridge Realty, Inc. are not responsible for the accuracy and/or content provided by ActiveRain and its Members.

Posted by Cynthia Tilghman, Realtor® Onslow County NC Home Specialist on 07/31/2008 08:34 AM

Comments (17)

Onslow County NC Events and Information in the Home Buying Channel

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Originally posted at: Onslow County NC Homes Talk: Eastern North Carolina - Flood Insurance

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17 Comments on Eastern North Carolina - Flood Insurance

JUL

2008

Cynthia, the last job my father had at the US Geological Survey was heading up the office that produced the flood zone maps. And while I live far from a flood zone, my basement floods during big rains - has something to do with screwed up gutters!

Cynthia, Good information about Onslow County, I noticed flood insurance in being required in places where it hadn't been previously.

Flood insurance is a small price to pay to live in Paradise. I need to move to your neck of the woods.

Cynthia, I find that a lot of buyers are not aware of this information. Living in central Alabama, there are not a high percentage of homes that would even require it, but knowing that it is a posssibility is a must. The extra premiums may affect how much home that can afford.

Hi Cynthia,

Great information that you are providing to newcomers! Not trying to steal your thunder, I always recommend they obtain flood insurance, even if they are not "in the zone" as one of these big rain clouds do drop lots of water. The best insurance is the one you don't use, and it is surly better to be safe than sorry.

Dick Beals

Cynthia...OK tell me the truth! You have a secret book of ideas for Blog posts right?What a good subject idea!

Hi Pat,
So your Dad is responsible for those maps that dictate who must buy flood insurance, LOL! As for your flooding basement, water in the house is no fun regardless of how it gets there. Ugh!

Carole,
Very true and this may be a new trend with all the climate changes. Thanks.

Hello Jim,
Come on down to Paradise, there's always room for one more.

Stephen,
You are right all expenses need to be factored in up front so there will be no surprises. Thank you.

Hi Dick,
You are welcome to steal my thunder anytime and you make a good point. I also suggest to buyers that flood insurance is cheap insurance but I find that if the lender does not require it, few buyers follow through.

Cynthia - This is a serious issue, most people only find out that not just properties near water can be in a flood zone when it is too late. As Realtors we should bring this to the attention of potential buyers. Great consumer information.

AUG

2008

Joan,
Oh if that were only true! I struggle with topics often.

Hello Jennifer F.
So true, this is something many buyers have no clue about and it is our responsibility to make them aware. Thank you.

Cynthia- Great info...I sell land and so many times other Agents have no idea of what they're selling so buyers have no idea of what they're buying. Land can have many hidden problems :)

CYNTHIA - This is very important information for people to have. I know that some homes around here are in flood zones, while their neighbors are not because of the elevation of the home.

Hi Cynthia...Knowing information like this and sharing it with our clients in invaluable.

Kate

OCT

2008

NOV

2008

Great info! One problem - we live in military housing on New River (NC) . Our insurance is through State Farm. We have been trying for over 4 months to obtain flood insurance. Apparently the military did not participate with FEMA and their floodmaps - any base address comes up "not known". The military also did not participate with Onslow Cty or the city of Jacksonville. Bottom line, because of this, no agent with any company can provide flood insurance to anyone aboard Lejeune or New River. The only way around it -- each military family has to put out $$$ for a surveyor to obtain the info insurance companies require. Some military are under assumption that the renters insurance provided by Atlantic (who owns the housing) covers everything. This is not correct. I'm still waiting for Atlantic to give us a definitive answer on what exactly it does cover. We have spent weeks researching this. No one with the military, housing, insurance seems to know how to get flood policies and for the life of us -- we don't understand why anyone has never asked this question before. Geesh, we live ON THE WATER! Any help would be greatly appreciated! Thanks!

Kathy,
Great grief, I just came back and found these comments from August. (Embarrassed!) It's very important to work with an agent that understand those hidden problem that raw land can present.

Hello Adam,
It's tricky and can be complicated--all the more reason to hire a knowledgeable agent. Right?

Sandra,
Wow! I did not know that the base housing was not included on the flood maps. Have you talked anyone in the Onslow County zoning and planning office? If not, give them a call and see if anyone there can advise you. I wish I could be more helpful but I'm just not sure where to go with this. Good luck and let me know how it goes for you.

NOV

2008

Thanks for pointing me in the right direction re flood insurance! Had a very informative chat with a lady from the Onslow Cty zoning/planning office today - VERY helpful! When we return from the holidays, we plan to visit her for further info. Had it not been for your website on a last effort google of this topic - I would have never gotten to this point. THANK YOU VERY MUCH! If we decide to buy in this area, we'll be sure to keep you in mind! Thanks again!

Hello Sandra,
I am happy to hear that your contact with the zoning/planning office went well. Keep me posted.

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