Hurricane Preparation in North Carolina: A Complete Guide

Why Hurricane Prep Matters in North Carolina

North Carolina is no stranger to hurricanes and tropical storms—especially along the coast. From Wilmington to the Outer Banks, strong winds, heavy rain, and storm surge can cause significant damage in just hours. Preparing early reduces risk, keeps your family safe, and helps ensure a faster recovery after the storm.
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When Is Hurricane Season in North Carolina?

The Atlantic hurricane season runs from June 1 to November 30, with peak activity between August and October. Even if you live inland in Raleigh, Charlotte, or Fayetteville, tropical systems can bring damaging winds, flooding, and power outages.
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Step-by-Step Hurricane Preparation Checklist

1. Review Your Insurance Coverage

• Make sure your homeowners policy includes windstorm coverage.
• Remember—flood damage is not covered under standard homeowners insurance. Consider adding a separate flood policy.
• Ask your advisor about hurricane deductibles and coverage limits.

2. Protect Your Home

• Install storm shutters or board up windows.
• Clear gutters and drains to prevent water damage.
• Secure outdoor furniture, grills, and decorations that could become projectiles.
• Reinforce garage doors and entry points.

3. Prepare an Emergency Kit

Your kit should include:

• Water (1 gallon per person per day for 3–7 days)
• Non-perishable food
• Flashlights, extra batteries, and a weather radio
• First-aid supplies and prescription medications
• Important documents stored in a waterproof container

4. Plan for Power Outages

• Charge all devices and backup batteries.
• Consider a portable generator (and know how to operate it safely).

5. Make an Evacuation Plan

• Know your evacuation zone and routes.
• Have a plan for pets—they are not always allowed in shelters.
• Keep your car’s gas tank full during hurricane watches and warnings.
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After the Storm

• Avoid flooded areas and downed power lines.
• Document any damage with photos before making repairs.
• Contact your insurance advisor as soon as possible to start the claims process.
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How Sizemore Insurance Supports You Before and After Hurricanes

We help clients across North Carolina—from coastal communities like Wilmington, Morehead City, and Emerald Isle to inland cities like Raleigh and Greensboro—review their coverage before hurricane season. After a storm, we work quickly to guide you through claims and recovery, so you’re not navigating the process alone.
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Be Prepared. Stay Protected.

Hurricanes are unpredictable, but preparation makes all the difference. Review your coverage today, and let Sizemore Insurance help you protect what matters most.

Start your quote online or call (910) 791-1011 to speak with an advisor.