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Homes Vanish as Ocean Claims NC Coastline
7 May
Summary
- Dozens of homes on Hatteras Island, NC, lost to high tide flooding.
- 31 homes demolished by nature since 2020; others relocated.
- Flood insurance is crucial but often excluded from standard policies.
Coastal communities on North Carolina's Hatteras Island are experiencing devastating home losses due to accelerated erosion and frequent high tide flooding. Since 2020, 31 homes have been lost to the ocean, prompting the relocation of many others. The long-term safety of these relocated homes remains uncertain.
Standard homeowner's insurance typically excludes flood damage, a critical omission given flooding's prevalence in natural disasters. Residents in designated communities can obtain flood insurance through FEMA's National Flood Insurance Program. However, those in high-risk areas, like Hatteras Island, may face substantial premiums.
Flood insurance costs vary based on home characteristics and elevation. For a typical home on Hatteras Island, coverage could cost thousands annually. Experts advise homeowners to understand their policies thoroughly and take measures like elevating homes to mitigate flood risks.
