Many residents in Hope Mills, NC, have experienced how quickly conditions can change when heavy rain causes Rockfish Creek to rise. Over the past 20 years, the area has experienced multiple serious floods.

One of the most frustrating realities for homeowners is discovering that standard home insurance policies do not cover flood damage. Before the rainy season begins, it is wise to speak with a professional at Cross Creek Insurance to review your coverage and identify any gaps.

Rockfish Creek’s History of Flooding in Hope Mills, NC

Rockfish Creek has a well-documented history of flooding. In 2003, the breach of the Little Rockfish Creek dam forced the evacuation of approximately 40 homes, affecting around 1,600 residents and causing an estimated $2.1 million in damages.

In 2016, Hope Mills received nearly 15 inches of rain, which caused Rockfish Creek to overflow into nearby neighborhoods. Just two years later, Hurricane Florence brought significant flooding, leaving parts of Rockfish Road submerged for several days before the water receded.

Why Standard Home Insurance Policies Do Not Cover Flood Damage

Most standard homeowners’ insurance policies in North Carolina do not include coverage for flood-related damage. Unfortunately, many homeowners only learn this after experiencing a loss.

The North Carolina Department of Insurance clearly states that damage caused by rising water entering your home is not covered under a typical homeowners policy. Flood insurance is required for this type of protection.

According to FEMA, nearly one in four flood insurance claims comes from properties located outside of high-risk flood zones. This highlights the importance of considering coverage even if your home is not in a designated flood area.

Understanding Flood Insurance Coverage in Hope Mills, NC

Flood insurance can be purchased through private insurance carriers or the National Flood Insurance Program. If your home is located in a high-risk area near Rockfish Creek, your mortgage lender may require you to carry a policy.

However, even homeowners without a mortgage should strongly consider flood insurance. It provides financial protection that standard policies simply do not offer.

Protect Your Home with the Right Coverage

Rockfish Creek is a constant presence in Hope Mills, NC, and the risk of flooding is unlikely to disappear. Being proactive about your insurance coverage can make a significant difference when severe weather strikes.

Contact Cross Creek Insurance to review your current policy and ensure you have the protection you need for worst-case scenarios.

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