Partly. A North Carolina homeowners policy usually covers hurricane wind damage, often with a separate named storm deductible, unless wind is excluded, which is common near the coast. It never covers flood, storm surge or rising water. Many coastal homes need a homeowners policy, a separate wind policy and a flood policy.
Pick your town or county to see the typical yearly home insurance premium our own clients pay, from the policies we write and service.
| Dwelling coverage | Typical yearly premium |
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Typical means the median: half of policyholders pay less, half pay more. The headline number is for a home insured for $250,000 to $400,000; the table shows every size of home. Source: Sizemore Insurance clients' in-force policies as of October 9, 2026, not a survey or national average (how we got these numbers). Not a quote.
A hurricane brings two kinds of damage, and insurance treats them separately. Wind that rips off shingles, breaks a window or drops a tree on the roof is a wind claim. Water that rises from the ground, a river or the ocean is flood. The North Carolina Department of Insurance states that homeowners policies do not cover flood or rising water damage.
Many policies apply a different deductible when the damage comes from a named storm. North Carolina regulators describe a named storm as a weather event involving wind that has been given a formal name by the National Hurricane Center or another recognized meteorological body. That deductible is usually a percentage of your dwelling coverage. The Department's own example: a 2% named storm deductible on a home insured for $300,000 is $6,000.
Your declarations page shows which deductible applies and how much it is.
In the coastal and beach areas, a homeowners policy may exclude wind and hail entirely. You can then buy a separate wind and hail policy from the Coastal Property Insurance Pool, provided you keep the primary policy that carries the exclusion. If nobody added that wind policy, the home has no coverage for the damage a hurricane is most likely to cause. Look for a windstorm or hail exclusion on your policy, or ask us to check.
Flood coverage comes from the National Flood Insurance Program or a private flood company. An NFIP policy typically has a 30-day waiting period, so it has to be in place well before a storm forms. Homes outside mapped flood zones flood too, and a policy there often costs less.
Photograph everything before you clean up, make temporary repairs to stop more damage, and report the claim to every company involved the same day: homeowners, wind and flood. We help our clients sort out which policy owns which damage.
Every situation is a little different. If you want someone to look at your own policy, call us at (910) 791-1011 or start a quote online. We're an independent, family-owned company founded in 1977, with eight offices in North Carolina, and we're licensed in North Carolina, South Carolina, Virginia and Maryland.
This page is general information, not a coverage determination or legal advice. Policies, rules and availability vary and change. Review your own policy or talk to your advisor.