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Insurance Industry (Specific Businesses)

Flood insurance policies are separate from other insurance for homeowners, renters or businesses.

Flooded warehouses along Little Sugar Creek        Flood insurance sold by private insurance companies is backed by the U.S. government's National Flood Insurance Program (NFIP.) Charlotte-Mecklenburg participates in the NFIP. That means local property owners are eligible to buy flood insurance whether or not their property is in a regulated floodplain.

Flood insurance is required when the building is in a high-risk area and the buyer has a federally-backed mortgage.
Flood insurance policies may be written by insurance providers who’ve been approved by the NFIP as Write Your Own (WYO) companies. The WYO Program, begun in 1983, is a cooperative undertaking of the insurance industry and the Federal Emergency Management Agency (FEMA.) The WYO Program allows participating property and casualty insurance companies to write and service the Standard Flood Insurance Policy in their own names. The companies receive an expense allowance for policies written and claims processed, while the federal government retains responsibility for underwriting losses. The WYO Program operates within the context of NFIP and is subject to its rules and regulations. Currently about 100 insurance companies write flood insurance with FEMA.

Flood Insurance Manual
Used primarily by insurance companies and agents writing National Flood Insurance policies. It is updated about every six months.

Who should buy flood insurance?

How do I buy flood insurance?

Buying or selling flood-prone property

FloodZone Interactive Map  Floodzone Interactive Mapping logo

Floodplain Map areas
Flood Zones definitions on a Flood Insurance Rate Map (FIRM)

Flood Insurance Rate Map panels
Listed by FEMA Map Number. Includes Index maps for Mecklenburg and surrounding counties. To find property-specific flood information, use the FloodZone Interactive Map

Flood Insurance Rate Map (FIRM) elevation reference marks
Surveyor benchmarks,  most created in 1999 and 2000. Used for the 2004 FEMA floodplain mapping in Charlotte-Mecklenburg.
Flood Insurance Study Report
Narrative description of flood hazards including prior flooding information and data on Charlotte-Mecklenburg streams that experience flooding. The Flood Insurance Study (FIS) Report includes text, graphics, flood profiles and tabular data (including Floodway Data Tables) useful in quantifying flood risk for individual properties when combined with the Flood Insurance Rate Map (FIRM.)