Flood history · North Carolina

Flood insurance claims in North Carolina

108,186 claims and $2.3 billion paid since 1978. Find your ZIP code.

108,186claims since 1978

$2.3 billionpaid to policyholders

211ZIP codes with 50+ claims

Claims by year

Biggest flood events

Event (top events per ZIP)	Year	Claims
Hurricane Florence	2018	15,184
Hurricane Floyd	1999	11,914
Hurricane Fran	1996	9,629
Hurricane Irene	2011	8,970
Hurricane Isabel	2003	5,999
Hurricane Matthew	2016	5,498
Hurricane Bonnie	1998	4,019
Hurricane Dennis	1999	3,212

North Carolina ZIP codes by flood claims

ZIP codes with at least 50 claims. Select one for its full history.

ZIP	Place	County	Claims	Paid	Last 10 yrs
28445	Holly Ridge	Onslow	5,547	$56.0 million	895
27889	Washington	Beaufort	3,789	$48.6 million	539
27810	Belhaven	Beaufort	3,731	$46.0 million	457
28480	Wrightsville Beach	New Hanover	3,560	$52.0 million	386
27949	Kitty Hawk	Dare	3,506	$32.9 million	121
28560	New Bern	Craven	3,204	$128.2 million	1,495
27959	Nags Head	Dare	3,109	$32.6 million	68
28428	Carolina Beach	New Hanover	3,039	$42.6 million	513
28465	Oak Island	Brunswick	2,847	$27.0 million	657
27948	Kill Devil Hills	Dare	2,722	$21.6 million	206
28462	Supply	Brunswick	2,408	$15.1 million	234
28460	Sneads Ferry	Onslow	2,255	$28.2 million	368
28571	Oriental	Pamlico	2,178	$45.9 million	718
28562	New Bern	Craven	2,014	$87.2 million	943
28516	Beaufort	Carteret	1,798	$24.4 million	639
28594	Emerald Isle	Carteret	1,694	$11.0 million	348
27915	Avon	Dare	1,642	$13.8 million	292
28469	Ocean Isle Beach	Brunswick	1,601	$6.3 million	359
28512	Atlantic Beach	Carteret	1,577	$17.9 million	407
27920	Buxton	Dare	1,559	$22.0 million	614
27968	Rodanthe	Dare	1,482	$24.3 million	214
28461	Southport	Brunswick	1,432	$20.7 million	757
28409	Wilmington	New Hanover	1,337	$17.4 million	218
27943	Hatteras	Dare	1,337	$35.7 million	105
27927	Corolla	Currituck	1,297	$14.4 million	136
27936	Frisco	Dare	1,127	$12.7 million	173
28411	Wilmington	New Hanover	1,053	$20.1 million	338
27954	Manteo	Dare	896	$10.9 million	102
28358	Lumberton	Robeson	870	$33.2 million	513
27530	Goldsboro	Wayne	842	$32.1 million	113
28584	Swansboro	Onslow	817	$13.9 million	250
28449	Kure Beach	New Hanover	806	$27.6 million	260
27817	Chocowinity	Beaufort	804	$10.5 million	129
27960	Ocracoke	Hyde	794	$29.1 million	508
28570	Newport	Carteret	710	$16.1 million	297
28557	Morehead City	Carteret	687	$9.6 million	261
28556	Merritt	Pamlico	682	$13.1 million	195
28532	Havelock	Craven	639	$14.3 million	258
27808	Bath	Beaufort	582	$7.6 million	102
27925	Columbia	Tyrrell	582	$8.6 million	73
28425	Burgaw	Pender	575	$41.2 million	269
28205	Charlotte	Mecklenburg	563	$16.2 million	13
27909	Elizabeth City	Pasquotank	536	$6.7 million	43
27972	Salvo	Dare	534	$5.5 million	14
28459	Shallotte	Brunswick	511	$3.1 million	10
28515	Bayboro	Pamlico	511	$11.9 million	130
27804	Rocky Mount	Nash	441	$20.8 million	41
27806	Aurora	Beaufort	440	$11.4 million	97
28403	Wilmington	New Hanover	435	$7.5 million	121
27801	Rocky Mount	Edgecombe	432	$12.5 million	26
27834	Greenville	Pitt	416	$12.6 million	4
28207	Charlotte	Mecklenburg	415	$4.4 million	49
28501	Kinston	Lenoir	404	$16.0 million	59
28215	Charlotte	Mecklenburg	399	$3.4 million	19
28443	Hampstead	Pender	399	$8.3 million	190
28540	Jacksonville	Onslow	387	$14.5 million	196
28405	Wilmington	New Hanover	378	$9.4 million	151
27983	Windsor	Bertie	362	$12.0 million	2
28466	Wallace	Duplin	360	$43.1 million	243
28504	Kinston	Lenoir	331	$25.4 million	93
27514	Chapel Hill	Orange	322	$26.2 million	146
28360	Lumberton	Robeson	319	$16.0 million	175
28524	Davis	Carteret	318	$7.7 million	104
28209	Charlotte	Mecklenburg	317	$5.1 million	48
27858	Greenville	Pitt	308	$12.6 million	11
27982	Waves	Dare	307	$4.5 million	4
27886	Tarboro	Edgecombe	306	$14.6 million	10
28803	Asheville	Buncombe	302	$34.5 million	128
27875	Scranton	Hyde	295	$2.9 million	30
27893	Wilson	Wilson	293	$9.2 million	32
27609	Raleigh	Wake	285	$4.0 million	18
27604	Raleigh	Wake	285	$5.0 million	13
27932	Edenton	Chowan	284	$5.9 million	12
28716	Canton	Haywood	281	$18.1 million	172
28510	Arapahoe	Pamlico	278	$7.0 million	114
27885	Swanquarter	Hyde	273	$5.6 million	12
28579	Smyrna	Carteret	268	$5.7 million	134
28607	Boone	Watauga	263	$10.4 million	134
27824	Engelhard	Hyde	261	$3.3 million	23
28472	Whiteville	Columbus	255	$10.0 million	147
28721	Clyde	Haywood	245	$13.0 million	85
28577	Sealevel	Carteret	238	$5.6 million	43
28412	Wilmington	New Hanover	238	$2.2 million	141
28468	Sunset Beach	Brunswick	236	$595,677	38
28587	Vandemere	Pamlico	229	$6.5 million	47
27608	Raleigh	Wake	223	$5.2 million	10
28467	Calabash	Brunswick	211	$3.8 million	116
28450	Lake Waccamaw	Columbus	210	$5.7 million	123
28211	Charlotte	Mecklenburg	201	$2.1 million	22
28214	Charlotte	Mecklenburg	201	$12.9 million	121
27407	Greensboro	Guilford	197	$4.1 million	60
28805	Asheville	Buncombe	196	$20.1 million	104
27978	Stumpy Point	Dare	193	$2.9 million	4
27803	Rocky Mount	Nash	192	$10.1 million	11
28553	Marshallberg	Carteret	184	$2.4 million	70
28792	Hendersonville	Henderson	181	$13.2 million	95
27534	Goldsboro	Wayne	180	$8.3 million	44
28546	Jacksonville	Onslow	175	$6.8 million	99
28451	Leland	Brunswick	174	$9.5 million	131
28301	Fayetteville	Cumberland	173	$7.4 million	27
28401	Wilmington	New Hanover	172	$4.0 million	62
28530	Grifton	Pitt	172	$6.2 million	24
27577	Smithfield	Johnston	171	$7.5 million	36
27106	Winston-Salem	Forsyth	169	$1.4 million	36
28531	Harkers Island	Carteret	166	$1.2 million	73
28657	Newland	Avery	163	$10.6 million	92
27958	Moyock	Currituck	162	$1.8 million	26
28075	Harrisburg	Cabarrus	161	$2.7 million	43
27981	Wanchese	Dare	161	$2.4 million	5
28520	Cedar Island	Carteret	159	$2.7 million	37
28226	Charlotte	Mecklenburg	158	$2.3 million	40
28581	Stacy	Carteret	156	$3.6 million	42
27944	Hertford	Perquimans	156	$940,597	8
28537	Hobucken	Pamlico	156	$3.6 million	23
28539	Hubert	Onslow	155	$1.8 million	56
28786	Waynesville	Haywood	150	$3.4 million	120
28519	Bridgeton	Craven	144	$3.7 million	65
27517	Chapel Hill	Orange	143	$4.7 million	76
28590	Winterville	Pitt	142	$1.3 million	11
27921	Camden	Camden	137	$1.4 million	16
27896	Wilson	Wilson	133	$1.5 million	27
27408	Greensboro	Guilford	133	$2.1 million	34
28435	Currie	Pender	132	$7.9 million	76
28552	Lowland	Pamlico	132	$2.8 million	22
27939	Grandy	Currituck	129	$1.5 million	23
28457	Rocky Point	Pender	129	$8.0 million	74
28714	Burnsville	Yancey	128	$7.5 million	80
28422	Bolivia	Brunswick	123	$6.5 million	100
27814	Blounts Creek	Beaufort	119	$1.1 million	19
28739	Hendersonville	Henderson	117	$6.2 million	76
28586	Vanceboro	Craven	113	$2.4 million	25
27929	Currituck	Currituck	112	$1.0 million	21
27953	Manns Harbor	Dare	111	$1.2 million	6
28304	Fayetteville	Cumberland	108	$3.8 million	35
27910	Ahoskie	Hertford	105	$2.4 million	3
28778	Swannanoa	Buncombe	104	$13.0 million	77
28312	Fayetteville	Cumberland	104	$3.3 million	76
28511	Atlantic	Carteret	102	$1.7 million	20
27606	Raleigh	Wake	99	$3.8 million	12
27707	Durham	Durham	98	$2.1 million	30
28303	Fayetteville	Cumberland	97	$940,262	16
28806	Asheville	Buncombe	96	$8.8 million	62
28585	Trenton	Jones	95	$6.9 million	53
28429	Castle Hayne	New Hanover	93	$3.6 million	49
27104	Winston-Salem	Forsyth	92	$1.2 million	13
27518	Cary	Wake	90	$1.3 million	5
28573	Pollocksville	Jones	90	$9.5 million	38
27610	Raleigh	Wake	90	$1.3 million	13
28314	Fayetteville	Cumberland	89	$1.3 million	27
28518	Beulaville	Duplin	89	$4.6 million	31
27704	Durham	Durham	87	$4.0 million	39
28529	Grantsboro	Pamlico	85	$2.6 million	36
27976	South Mills	Camden	85	$1.3 million	2
28604	Banner Elk	Avery	85	$3.1 million	48
28711	Black Mountain	Buncombe	84	$4.6 million	58
28470	Shallotte	Brunswick	83	$1.7 million	41
28804	Asheville	Buncombe	82	$4.3 million	60
28801	Asheville	Buncombe	78	$7.2 million	33
28601	Hickory	Catawba	77	$2.1 million	45
28753	Marshall	Madison	75	$6.4 million	27
27612	Raleigh	Wake	74	$3.0 million	13
28394	Vass	Moore	73	$987,379	17
27511	Cary	Wake	73	$1.3 million	14
27030	Mount Airy	Surry	70	$1.2 million	8
28589	Williston	Carteret	70	$1.2 million	22
28575	Salter Path	Carteret	70	$967,656	6
28208	Charlotte	Mecklenburg	69	$4.0 million	6
27962	Plymouth	Washington	69	$1.6 million	6
28216	Charlotte	Mecklenburg	68	$1.2 million	14
27923	Coinjock	Currituck	68	$739,665	28
27970	Roper	Washington	68	$914,422	3
28655	Morganton	Burke	68	$7.5 million	37
27288	Eden	Rockingham	67	$487,902	8
28645	Lenoir	Caldwell	66	$363,838	22
28364	Maxton	Robeson	66	$1.5 million	49
28578	Seven Springs	Wayne	65	$3.2 million	7
28439	Fair Bluff	Columbus	65	$3.6 million	47
28734	Franklin	Macon	64	$1.7 million	23
28752	Marion	McDowell	64	$3.7 million	35
28210	Charlotte	Mecklenburg	64	$595,783	4
28574	Richlands	Onslow	64	$3.0 million	39
27712	Durham	Durham	64	$2.3 million	31
27705	Durham	Durham	64	$984,551	24
28328	Clinton	Sampson	63	$1.5 million	22
28383	Rowland	Robeson	62	$761,101	39
28513	Ayden	Pitt	62	$1.3 million	4
28694	West Jefferson	Ashe	61	$980,418	14
28712	Brevard	Transylvania	61	$3.1 million	30
27964	Point Harbor	Currituck	60	$445,577	3
28732	Fletcher	Henderson	60	$7.4 million	54
28715	Candler	Buncombe	59	$2.2 million	28
28348	Hope Mills	Cumberland	59	$3.3 million	23
27856	Nashville	Nash	59	$2.0 million	12
28709	Barnardsville	Buncombe	58	$4.3 million	42
28306	Fayetteville	Cumberland	58	$2.1 million	16
28001	Albemarle	Stanly	56	$2.9 million	24
27262	High Point	Guilford	55	$554,919	11
28610	Claremont	Catawba	55	$2.0 million	28
28320	Bladenboro	Bladen	55	$2.1 million	32
27828	Farmville	Pitt	54	$1.4 million	1
27974	Shiloh	Camden	53	$341,097	7
28528	Gloucester	Carteret	53	$209,543	13
28311	Fayetteville	Cumberland	53	$584,625	32
27607	Raleigh	Wake	52	$765,501	10
28447	Ivanhoe	Sampson	52	$4.8 million	22
27864	Pinetops	Edgecombe	52	$1.5 million	7
28334	Dunn	Harnett	51	$1.0 million	22
28454	Maple Hill	Pender	51	$1.3 million	15
28206	Charlotte	Mecklenburg	51	$2.3 million	7
28580	Snow Hill	Greene	51	$1.6 million	6
27215	Burlington	Alamance	50	$846,683	17

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Official FEMA flood zone, elevation and claims history for one property.

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Sources: FEMA OpenFEMA NFIP Redacted Claims (v3) and Disaster Declarations Summaries, FEMA NFIP Community Status Book; place names from GeoNames (CC BY 4.0). Data as of 2026-10-09. Payments are net building + contents payments in dollars at the time paid, not adjusted for inflation. Claims are grouped by the ZIP code reported on the claim. This product uses the FEMA OpenFEMA API but is not endorsed by FEMA. Information only; not an official flood zone determination or insurance advice.