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Flood Insurance

Protect your home from rising risks

From sudden storms to seasonal surges, flood damage can happen anywhere. Wells helps North Carolina homeowners safeguard what matters most with tailored flood coverage and century-deep coastal experience.

Request a Flood Quote

Floodwaters don’t read flood zone maps. Whether you live on the coast, near a river, or miles inland, flooding can happen anywhere. The right coverage helps you stay protected and recover faster when water rises unexpectedly.

Trusted Guidance

Why homeowners trust Wells for flood protection

With deep coastal roots and personal guidance, Wells makes flood insurance clear, dependable, and built to last.

Real advisors, real guidance

You’ll talk with someone who knows your home, your risk, and your options - never a call center.

NFIP + private market expertise

Year-round monitoring, documentation, and training to stay audit-ready.

Coastal experience that runs deep

Generations of local insight help us anticipate challenges before the water rises.

Support that stays with you

From setup to post-storm claims, we’re here when it matters most.

Let’s get your flood protection in place

Quick, clear guidance from a Wells advisor—wherever you call home.

Get a Flood Quote

Why Flood Insurance Matters

Flooding is the most common - and costly - natural disaster in the U.S., yet most home policies don’t cover it. Wells helps homeowners understand their risk and choose protection that keeps recovery within reach.

Get a Flood Quote

Gaps

Most home policies don’t cover floods

Reality

Flooding can happen anywhere it rains

Readiness

The right coverage speeds recovery

Quick answers to your flood questions

Flood insurance can feel complicated, but it doesn’t have to be. Here are a few quick answers to common questions we hear from homeowners.

Curious what flood coverage costs?

Start with a preliminary quote from our verified partner.

Get a Flood Quote

Yes. About one in four flood claims come from outside high-risk zones. Flooding can happen anywhere it rains.

Rates vary based on your location, elevation, and coverage needs. Start with our preliminary quoting tool or let us compare NFIP and private options to find your best fit.

Usually no. Most homeowners policies exclude flood damage. Flood insurance must be purchased separately.

Our team walks you through the process from start to finish - helping you document damage, contact your carrier, and recover faster.

Curious what flood coverage costs?

Start with a preliminary quote from our verified partner.

Get a Flood Quote

Get your flood coverage started today

We’ll help you find the right protection - fast, clear, and built for your home.

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"Tosha Britt reviewed my homeowners policy before renewal and found several ways to lower my premium without reducing coverage. I’m so glad she did — it’s great to have someone who genuinely looks out for you and finds ways to save money!"

Michael T
Personal Customer
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"I am very satisfied with my agent and the company. They respond in a timely manner, and their politeness and willingness to satisfy me was the best."

Lenora B
Personal Customer
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