National Flood Insurance Program

Homes along Highway 401 in Bunnlevel were threatened as the nearby Upper Little River overflowed its banks on Sunday, October 9, 2016.
Jess Clark / WUNC

Congress is debating a bill that would overhaul the National Flood Insurance Program. The move could significantly raise rates for homeowners in North Carolina's highest-risk areas.

A preliminary flood maps show gains and reductions in base flood elevation along the coast.
NC Department of Public Safety

It would be easy to look at the newest round of floodplain maps and think that we've been wrong about the Outer Banks all this time.

For the past decade, the standard line has been that things on the coast are getting worse. Sea levels are rising; the shoreline is eroding; flooding is becoming a bigger threat. Flood risk is largely determined by a series of maps produced by the state of North Carolina. Those maps then make their way to FEMA, who administer the National Flood Insurance Program. Basically, the higher your risk, the more you pay in flood insurance.

Wayne Goodwin
NC DOI

The North Carolina Department of Insurance has set up a series of temporary insurance assistance centers in areas hardest hit by Hurricane Irene. The centers are designed to help customers who believe they are not being treated fairly by insurance companies.

Insurance Commissioner Wayne Goodwin decided to open the centers after his office fielded a steady stream of complaints from customers in coastal counties.

Goodwin says many complaints have centered on non-existent or non-communicative insurance adjusters.