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Find Flood Insurance Agents Near You in Chapel Hill, NC

Browse flood insurance agents serving Chapel Hill, North Carolina. Updated 2026-07-14.

The top-rated flood insurance agent in Chapel Hill, North Carolina is Pam Herndon - State Farm Insurance Agent, rated 4.9 stars across 221 reviews. Other highly rated options include Highstreet Insurance formerly, Seagroves Agency Inc, Kevin Cooke - State Farm Insurance Agent, Legacy Insurance Agency LLC. This directory lists 17 flood insurance agents serving Chapel Hill.

Showing 17 flood insurance agents in Chapel Hill, NCListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Pam Herndon - State Farm Insurance Agent104 S Estes Dr # 105(919) 240-0155
2Highstreet Insurance formerly, Seagroves Agency Inc1506 E Franklin St #100(919) 942-8733
3Kevin Cooke - State Farm Insurance Agent200 Timberhill Pl UNIT 202(919) 918-4478
4Legacy Insurance Agency LLC1340 Environ Way(919) 263-2328
5Ben Reece: Allstate Insurance112 Perkins Dr STE 600(919) 929-6900
6High & Rubish Insurance Agency6015 Farrington Rd STE 101(919) 913-1144
7Ola Stinnett - State Farm Insurance Agent180 Providence Rd #1b(919) 968-0470
8Chip Millard, Insurance Broker102 Market St Ste. 208(919) 357-6637
9NC Farm Bureau Insurance102 S Estes Dr(919) 960-6801
10Chan Wright Insurance Agency101 Glen Lennox Dr Suite 300(919) 341-1606
PH
104 S Estes Dr # 105
Pam Herndon - State Farm Insurance Agent
Flood Insurance Agent · Chapel Hill, NC

Pam Herndon - State Farm Insurance Agent serves the Chapel Hill, North Carolina area as a flood insurance agent. The company provides professional guidance to homeowners and renters seeking to protect their properties from water damage. In this region, flood insurance is vital due to seasonal storms and local waterways. Services include policy evaluation to match coverage with individual property risks. The agency specifically handles residential flood insurance policies and assists with claims filing for storm-related water losses.

HI
1506 E Franklin St #100
Highstreet Insurance formerly, Seagroves Agency Inc
Flood Insurance Agent · Chapel Hill, NC

Highstreet Insurance, formerly Seagroves Agency Inc, provides comprehensive flood insurance agent services for property owners in the Chapel Hill, NC area. The agency assists clients in securing appropriate coverage and offers ongoing support to review policies or adjust plans as needs change. Maintenance plans typically involve periodic check-ins to ensure flood protection remains adequate. It services single-family homes, apartments, retail storefronts, and local restaurants.

KC
200 Timberhill Pl UNIT 202
Kevin Cooke - State Farm Insurance Agent
Flood Insurance Agent · Chapel Hill, NC

Kevin Cooke - State Farm Insurance Agent in Chapel Hill, NC serves homeowners, renters, and property owners seeking flood protection policies. The agency explains National Flood Insurance Program options and helps residents secure coverage for their properties against water damage. Local clients often require policies due to proximity to creeks and low-lying areas. The office also provides service to property owners in neighboring Carrboro and the surrounding Orange County area.

LI
1340 Environ Way
Legacy Insurance Agency LLC
Flood Insurance Agent · Chapel Hill, NC

Serving Chapel Hill and the surrounding communities of Orange and Durham counties, Legacy Insurance Agency LLC handles flood insurance policies for homeowners, renters, and commercial property owners. It assesses flood zone risks based on federal maps and local water patterns. The agency explains coverage options for structures and contents under the National Flood Insurance Program. To handle a typical job, it reviews a client's specific property location and recommends a policy limit that meets both lender requirements and the property's replacement cost.

BR
112 Perkins Dr STE 600
Ben Reece: Allstate Insurance
Flood Insurance Agent · Chapel Hill, NC

For property owners in Chapel Hill, NC, Ben Reece: Allstate Insurance distinguishes between one-time policy consultations and ongoing annual coverage options. Their flood insurance agent services help clients review the standard National Flood Insurance Program policies and consider private market alternatives for added protection. Each recommendation addresses specific property risks in this region. Assistance is provided either under a one-time arrangement for a new policy purchase or through scheduled annual reviews to adjust coverage as flood maps or building values change, supporting continuous risk management.

HR
6015 Farrington Rd STE 101
High & Rubish Insurance Agency
Flood Insurance Agent · Chapel Hill, NC

High & Rubish Insurance Agency specializes in flood insurance policies for residential and commercial properties in Chapel Hill, North Carolina. The agency guides clients through the National Flood Insurance Program and private market options, assessing flood zone risks and coverage needs. It helps local homeowners, renters, and business owners secure protection against water damage from storms and rising waters. The agency particularly assists clients during hurricane season and periods of heavy rainfall, when flood risks increase throughout the Chapel Hill area.

OS
180 Providence Rd #1b
Ola Stinnett - State Farm Insurance Agent
Flood Insurance Agent · Chapel Hill, NC

As seasonal storms threaten the Chapel Hill area, property owners seek protection against potential water damage. Ola Stinnett - State Farm Insurance Agent offers guidance on flood insurance, covering risks that standard home policies exclude. This agency helps customers understand coverage options tailored to local flood zone requirements, ensuring properties are adequately protected against rising waters. The process begins with a simple consultation to assess individual property risks and determine necessary policy limits, followed by scheduling a thorough inspection to finalize the initial assessment of coverage needs.

CM
102 Market St Ste. 208
Chip Millard, Insurance Broker
Flood Insurance Agent · Chapel Hill, NC

Chip Millard, Insurance Broker provides guidance on flood insurance policies to property owners in Chapel Hill, NC. It focuses on the specific risks and requirements associated with flood coverage, helping clients understand their options for protection against water damage. The agency assists both homeowners and business operators in securing appropriate policies tailored to their individual needs. The commercial sectors it can serve include offices, warehouses, and food service establishments.

NF
102 S Estes Dr
NC Farm Bureau Insurance
Flood Insurance Agent · Chapel Hill, NC

Spring storms in the Chapel Hill area often bring flash flooding risks to homes and businesses. NC Farm Bureau Insurance helps local property owners navigate these concerns by evaluating their flood insurance needs. The agency provides guidance on the National Flood Insurance Program options available for this region. Each client receives a clear explanation of policy coverages and limitations to help protect their property investment. An initial property inspection identifies specific flood zone factors before a policy is written.

CW
101 Glen Lennox Dr Suite 300
Chan Wright Insurance Agency
Flood Insurance Agent · Chapel Hill, NC
IC
1011 Hamilton Rd Suite 217
Insurance of the Carolinas
Flood Insurance Agent · Chapel Hill, NC
(919) 967-8399
insofthecarolinas.com
GE
1805 E Franklin St #210
Gary Elliott - State Farm Insurance Agent
Flood Insurance Agent · Chapel Hill, NC
(919) 942-6057
chapelhillsf.com
UI
1829 E Franklin St Suite 800-F
University Insurance - Erie Insurance Agency
Flood Insurance Agent · Chapel Hill, NC
(919) 933-9050
universityinsurance.org
CN
100 Europa Dr #571
Carolina National Insurance
Flood Insurance Agent · Chapel Hill, NC
(919) 626-4732
cniagency.com
FF
79 Falling Springs Dr ste 100
Freedom & Faith Agency (FFA)
Flood Insurance Agent · Chapel Hill, NC
(910) 638-7563
ffagents.com
UI
212 E Rosemary St
University Insurance, Inc.
Flood Insurance Agent · Chapel Hill, NC
(919) 933-9050
universityinsurance.org
DH
501 Eastowne Dr Suite 250
Dominick Huckabee Nobin & Trent Insurance Agency DBA: Triangle Risk Advisors, Inc.
Flood Insurance Agent · Chapel Hill, NC
(919) 286-7473
triangleinsurance.com

What Does a a Flood Insurance Agent in Chapel Hill Cost?

Typical flood insurance costs in Chapel Hill range from 700 to 2,500 dollars per year for an NFIP policy, depending on flood zone, elevation, and building characteristics. Properties in high-risk areas like Zone AE may have higher premiums. Private flood insurance options can sometimes reduce costs or provide additional coverage. This is general information and not insurance advice.

About flood insurance agents in Chapel Hill

Flood insurance agents in Chapel Hill help property owners navigate the National Flood Insurance Program (NFIP) and private flood coverage options. North Carolina law requires flood insurance for properties in high-risk flood zones with a federally backed mortgage. Agents in Chapel Hill can assess your property's flood risk and guide you through policy selection and compliance with local building codes.

Frequently Asked Questions

Is flood insurance required in Chapel Hill North Carolina?

Flood insurance is required by federal law for properties in Special Flood Hazard Areas (SFHAs) with a mortgage from a federally regulated lender. Chapel Hill participates in the NFIP, so policies are available through local agents. Even outside high-risk zones, coverage is recommended due to heavy rainfall and storm events.

How do I choose a flood insurance agent in Chapel Hill?

Look for an agent licensed in North Carolina who is experienced with NFIP policies and private flood insurance. Ask about their knowledge of local flood maps and the Chapel Hill floodplain management ordinance. A good agent will explain coverage limits, deductibles, and the 30-day waiting period before a policy takes effect.

What does flood insurance cost in Chapel Hill North Carolina?

Costs vary based on flood zone, property elevation, and coverage amount. For an NFIP policy in Chapel Hill, annual premiums typically range from 700 to 2,500 dollars for a standard home. Properties in high-risk zones may pay more. Private flood insurance can offer lower rates or higher limits in some cases.

Flood Insurance Agents in Other North Carolina Cities

Listings are compiled from publicly available information. Inclusion does not constitute endorsement. Verify each flood insurance agent's credentials and current standing with your state Department of Insurance.