Flood Insurance
Building Flood Resilience with the National Flood Insurance Program (NFIP)
The National Flood Insurance Program helps property owners, renters, and businesses protect themselves from the financial impact of flooding. Participating communities agree to adopt and enforce floodplain regulations that reduce future damage and make insurance available to their residents.
This partnership between local governments and the federal government provides a reliable insurance option instead of costly disaster aid. The program encourages smarter development, helps communities recover faster after storms, and protects public safety and infrastructure.
Program Goals
- Use flood-prone land responsibly to protect the local tax base.
- Alert homebuyers when a property lies in a flood zone.
- Reduce damage to roads, bridges, and utility systems.
- Limit public spending on flood control and emergency response.
- Lower the need for rescue and disaster relief efforts.
- Prevent business closures after major storms.
- Protect lives, homes, and community health.
Understanding Insurance Ratings
The Community Rating System (CRS) recognizes and rewards communities that go beyond minimum floodplain management standards. Each community earns a CRS Class rating, ranging from Class 10 (no discount) to Class 1 (highest discount). Insurance premiums are adjusted based on this class rating.
Since October 2018, Pitt County has held a Class 8 rating. Properties located in the AE Flood Zone receive a 10% discount on flood insurance premiums, while those outside the Special Flood Hazard Area (SFHA) receive a 5% discount.
Note: “Pitt County” in this section refers to unincorporated areas outside municipal limits.
CRS Main Goals
- Provide accurate insurance rating
- Promote flood insurance awareness
- Reduce flood losses
CRS Categories of Activity
The CRS includes 18 types of community activities organized into four main categories:
- Public Information: Outreach, flood risk education, and map access
- Mapping and Regulations: Higher construction and data standards
- Flood Damage Reduction: Mitigation projects and drainage improvements
- Flood Preparedness: Emergency response planning and warning systems
Understanding Flood Insurance Coverage and Protection
As of June 2025, more than 1,000 active flood insurance policies are in place across Pitt County, providing over $200 million in total coverage. Flood insurance plays a vital role in protecting homes, businesses, and public investments from the financial impacts of flooding. Coverage is available through the National Flood Insurance Program (NFIP) for both buildings and their contents.
Even properties outside high-risk flood zones can experience flooding during heavy rain or hurricanes, and all property owners and renters are encouraged to review their coverage options.
The Flood Insurance Study (FIS) for the county and the Flood Insurance Rate Map (FIRM) help guide responsible development and reduce flood risk.
Review the Pitt County Flood Insurance Study Now
Building Coverage Limits
Building coverage protects the physical structure, including the foundation, walls, electrical and plumbing systems, and permanently installed fixtures. Standard NFIP coverage limits include:
- Single-Family Dwelling: $250,000
- 2–4 Family Dwelling: $250,000
- Other Residential: $250,000
- Non-Residential: $500,000
Contents Coverage Limits
Contents coverage applies to belongings inside the insured building, such as furniture, clothing, and appliances. Standard NFIP coverage limits include:
- Residential: $100,000
- Non-Residential: $500,000
Note: Actual coverage needs may vary based on property type and location. Residents are encouraged to speak with a licensed insurance agent to determine the right level of protection.