Short answer: Guilford County's FEMA National Risk Index report ranks hazards for Greensboro tracts. NCJUA is the inland FAIR Plan.
This guide is general information for homeowners and drivers in the Greensboro area (Guilford County). It isn't legal advice or a coverage determination. Your policy wording, underwriting, city and county ordinances, and state insurance and motor-vehicle rules control. Check your address on FEMA's National Risk Index (county report for Guilford County) and the Flood Map Service Center.
Local hazards: FEMA National Risk Index for Guilford County
Check FEMA's National Risk Index and the Guilford County report.
Federal disaster declarations in Guilford County
Since 1989, Guilford County has been part of 13 federal major disaster declarations, according to FEMA's declarations summaries; by incident type the most common were hurricane events (5), severe ice storm events (3) and severe storm events (2). The most recent: Hurricane Florence, 2018, Tornado and Severe Storms, 2018, Severe Winter Storm, 2014 and Hurricane Ivan, 2004. FEMA also lists 13 emergency declarations for the county in the same data.
Greensboro maps tomorrow's floodplain
Greensboro's Water Resources Department notes that the city's flood maps show more than today's Special Flood Hazard Areas. They also show future-conditions flood areas, based on expected land use, and the city regulates those the same way. A lot that's outside today's zone could still need a floodplain development permit. North Carolina was FEMA's first Cooperating Technical State and maintains the FIRMs for every community in the state.
Zone and elevation certificate requests
You can ask Water Resources for a flood zone determination or a copy of an existing elevation certificate. Check the state's Flood Risk Information System for how close a property is to the flood zone. The city points out that FEMA maps don't capture all flooding from small local drainage, and that the NFIP offers building and contents coverage whether or not a home is in a regulated floodplain. Greensboro's participation brings premium reductions, so ask your agent whether yours is applied.
Residual market: NCJUA
Greensboro homes declined by voluntary insurers can apply to NCJUA through a licensed agent.
Auto: North Carolina 50/100/50
For policies issued or renewed on or after July 1, 2025, North Carolina's minimum liability is $50,000/$100,000/$50,000 (NCDOI; NCDMV).
Questions? Contact Alishahi Insurance or call (877) 711-4545. See insurance in North Carolina.
Frequently asked questions
What auto liability does North Carolina require?
50/100/50 since July 1, 2025.
Does a Greensboro homeowners policy cover flood?
No; flood needs a separate policy.
Does my Greensboro landlord's policy cover my belongings?
No; renters insurance covers them.
Alishahi Insurance · 439 N Canon Dr, Penthouse, Beverly Hills, CA 90210 · (877) 711-4545 · CA License #4348151. General information only. This isn't legal, tax or financial advice or a coverage determination. Coverage depends on policy language and underwriting, and rules vary by state.