Insure Your Property

  • Homeowner’s policies do not cover flooding. If you are in a flood hazard area or in an area subject to flooding, purchase federal flood insurance. Flood insurance provides coverage for damage to structures and contents from flooding, flood-related erosion, and flood-caused mudslides.
  • Because the City participates in the National Flood Insurance Program (NFIP), flood insurance is available in the CIty of North Myrtle Beach. Any house in an NFIP-participating community can be covered by a flood insurance policy, even if the house is not in the mapped floodplain. NFIP flood insurance policies can only be purchased for properties within communities that participate in the NFIP.
  • The NFIP is administered by the Federal Emergency Management Agency (FEMA).
  • When you purchase or renew a flood insurance policy, there is typically 30-day waiting period for that policy to go into effect.
  • The City of North Myrtle Beach is an active participant in the Community Rating System (CRS). This program is voluntary, and determines a discount (from 5-40%) on flood insurance rates based on activities performed by the community. The City of North Myrtle Beach is a CRS Class 6 community, and our residents receive a 20% reduction on our local flood insurance premiums.

Flood Insurance Coverage Facts

  • Check your policy carefully; separate coverage can be obtained for a building’s structure and its contents.
  • Some banks or mortgage providers may require flood insurance, but these institutions generally only require coverage for the building’s structure.
  • Renters can buy contents coverage policies to protect their personal property, even if the property owner does not buy structural coverage for the building.

Where Can I Purchase Flood Insurance?

  • Any insurance agent can sell a flood insurance policy; all agents must charge the same rates. Contact the NFIP Referral Call Center at 888-379-9531 to request an agent referral.
  • For homes subject to a lower flood risk, a Preferred Risk Policy can offer multiple coverage combinations for structure and contents.
  • The FloodSmart website provides more information about the NFIP and where/how you can purchase flood insurance.
  • Find local insurance agents through Google.