Flood history · Harkers Island, NC 28531
Flood insurance claims in Harkers Island, NC 28531
166 claims since 1985 and $1.2 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 28531 since 1978.
What the record says
86% of claims were on properties in high-risk zones and 14% outside them.
One event dominates the record: Hurricane Florence accounts for 40% of all claims in this ZIP code.
Flooding here is recent: 73 claims (44%) were in the last 10 years.
The most commonly recorded cause is tidal water overflow: coastal surge and high tides.
Carteret County * takes part in FEMA's Community Rating System (class 9), which can lower flood insurance premiums by up to 05% in high-risk zones.
Biggest flood events
| Event | Year | Claims | Share |
|---|---|---|---|
| Hurricane Florence | 2018 | 67 | 40% |
| Hurricane Isabel | 2003 | 28 | 17% |
| Hurricane Floyd | 1999 | 8 | 5% |
| Hurricane Irene | 2011 | 7 | 4% |
| Hurricane Bonnie | 1998 | 6 | 4% |
| Hurricane Dennis | 1999 | 5 | 3% |
Flood zone at time of claim
NFIP communities
Federal disaster declarations in Carteret County
Flood, hurricane and storm declarations since 2000.
19 flood, storm or hurricane declarations for Carteret County since 2000.
Check a specific address in Harkers Island.
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.
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