In a Disaster

Before, During and After a Storm

Preparing for and Recovering From Disasters.

North Carolina is at a high risk for a variety of natural disasters, including hurricanes, tornadoes, winter storms, floods, wildfires, earthquakes, and mudslides. The North Carolina Department of Insurance encourages proper planning so that citizens are in a better position to protect their families and to recover from a natural disaster.

Before the Storm

Learn how to prepare your home, protect your property and get your insurance information organized before severe weather strikes.

During the Storm

Find important safety tips and guidance to help protect yourself and your family during severe weather.

After the Storm

Learn what to do after a storm, from documenting damage to filing insurance claims and beginning recovery.

Flood Insurance

Homeowners insurance policies DO NOT cover flood damage. If you live in a flood plain, near a river or if you live near the coast, you should consider purchasing flood insurance for your home.

Learn more about flood insurance

Find your home's Flood Factor

Floodwater surrounds a brick home on a residential street, partially submerging a nearby speed limit sign

Recovery From a Fire

Learn what steps to take after a fire, including documenting damage, contacting your insurance company and beginning the recovery process.

Protecting Yourself from Scams

Learn how to recognize and avoid fraudulent contractors and insurance scams that often target homeowners after a disaster.