Flood history · Arapahoe, NC 28510
Flood insurance claims in Arapahoe, NC 28510
278 claims since 1996 and $7.0 million paid. Here's what the public record shows, and how to check a specific address.
Claims by year
Every NFIP flood insurance claim reported in ZIP 28510 since 1978.
What the record says
75% of claims were on properties in high-risk zones and 25% outside them.
Losses are spread across many events; the largest, Hurricane Florence, accounts for 40% of claims.
Flooding here is recent: 114 claims (41%) were in the last 10 years.
The most commonly recorded cause is tidal water overflow: coastal surge and high tides.
Pamlico County* takes part in FEMA's Community Rating System (class 8), which can lower flood insurance premiums by up to 10% in high-risk zones.
Biggest flood events
| Event | Year | Claims | Share |
|---|---|---|---|
| Hurricane Florence | 2018 | 110 | 40% |
| Hurricane Irene | 2011 | 79 | 28% |
| Hurricane Isabel | 2003 | 42 | 15% |
| Hurricane Dennis | 1999 | 13 | 5% |
| Hurricane Fran | 1996 | 6 | 2% |
| Hurricane Ophelia | 2005 | 5 | 2% |
Flood zone at time of claim
NFIP communities
Federal disaster declarations in Pamlico County
Flood, hurricane and storm declarations since 2000.
18 flood, storm or hurricane declarations for Pamlico County since 2000.
Check a specific address in Arapahoe.
ZIP-level history is the backdrop. See the official FEMA flood zone, ground elevation and next steps for one property, free.
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.
All North Carolina ZIP codes · All states · Flood zones explained