Wilmington & the Cape Fear Region

Hurricane Season
Waits for No One

When a storm has a name, it's too late to change your policy. Morgan Scheibel Insurance helps Wilmington-area homeowners understand their hurricane deductible, review coverage before storm season, and get claims handled right when it matters most.

Call (910) 392-3392 Request a Free Quote
JUN 1 NOV 30 PEAK: AUG–SEP Florence · 2018 Dorian · 2019 Isaias · 2020
ATLANTIC HURRICANE SEASON — NOAA NATIONAL HURRICANE CENTER

Serving Wilmington & the Cape Fear Region

WilmingtonWrightsville BeachCarolina BeachKure BeachNew Hanover County
Licensed NC Agent
Pre-Season Policy Review
Direct Claims Support
Cape Fear Regional Focus

What We Cover

Coverage built for Cape Fear region storm risk

Hurricane coverage isn't just a line item — it's a different deductible structure, a different claims timeline, and a different set of decisions that need to be made before a storm ever forms.

Hurricane & Wind Insurance

Coverage review focused specifically on windstorm and hurricane risk for Wilmington-area homes.

Windstorm Coverage Review

A line-by-line look at what your current policy actually pays for hurricane-force wind damage.

Hurricane Deductible Guidance

Clear explanation of your percentage-based hurricane deductible, so there are no surprises after a storm.

Wilmington Has Been Here Before

Florence. Dorian. Isaias.

Wilmington and the Cape Fear region have weathered three major named storms in recent memory. Each one tested homeowners' coverage in different ways — from wind-driven structural damage to the flooding that followed. Being prepared means understanding your policy before the next name is announced.

Jun 1
Official start of Atlantic hurricane season
1-5%
Typical hurricane deductible, as % of dwelling coverage
Aug–Sep
Historical peak months for Atlantic storm activity
3
Major named storms affecting the Cape Fear region since 2018

Sources: NOAA National Hurricane Center, Atlantic Hurricane Season Summary; Insurance Information Institute (III), "Facts + Statistics: Hurricanes." General industry figures — ask us how they apply to your policy.

Get Started

Request a Free Hurricane Coverage Review

Tell us about your property and a licensed agent will follow up directly — before the next storm forms, not during it.

Contact

Talk to a licensed agent today

(910) 392-3392
morgandunlap@yahoo.com
3710 S College Rd, Unit 135
Wilmington, NC 28412

Insurers typically stop binding new coverage once a storm is named and approaching. Review your policy now, not later.

Call (910) 392-3392

Questions

Hurricane insurance, answered

When does hurricane season start in North Carolina?+
The Atlantic hurricane season runs June 1 through November 30, as designated by NOAA's National Hurricane Center, though most Atlantic storm activity historically peaks in August and September.
What is a hurricane deductible and how is it different from a regular deductible?+
A hurricane deductible on many coastal NC policies is a percentage of your home's insured value, typically in the 1-5% range, rather than a flat dollar amount. It applies once a storm is officially named a hurricane at landfall, which can mean a much higher out-of-pocket cost than homeowners expect.
Does homeowners insurance cover hurricane damage in NC?+
Wind damage from a hurricane is generally covered under a standard homeowners policy, subject to your hurricane or wind/hail deductible. Flood damage from storm surge or rainfall is not covered by homeowners insurance and requires a separate flood policy.
How can I prepare my policy before hurricane season?+
Review your dwelling coverage limits, understand your specific hurricane deductible, confirm whether flood coverage is in place separately, and document your home's condition with photos before storm season begins. Insurers typically stop binding new coverage once a storm is named and approaching.
Does Morgan Scheibel Insurance only serve Wilmington?+
Morgan Scheibel Insurance is based in Wilmington and focuses on the greater Cape Fear region, including Wrightsville Beach, Carolina Beach, and Kure Beach, while also serving homeowners across the broader North Carolina coast through its sister sites for wind, hail, and flood coverage.

More Coastal NC Coverage

Related protection for coastal NC homeowners

Homeowners & Flood Insurance

Flood risk and structural homeowners coverage for the entire NC coast.

Visit CoastalNCInsurance.com →

Wind & Hail Insurance

Year-round wind and hail damage expertise and roof claims guidance.

Visit NCWindInsurance.com →

Morgan Scheibel Insurance

The full range of personal insurance products, based in Wilmington, NC.

Visit morganscheibelinsurance.com →

Hurricane coverage is one part of the picture. See the full range of protection from Morgan Scheibel Insurance.

Visit Morgan Scheibel Insurance