Flood history · Hendersonville, NC 28792
Flood insurance claims in Hendersonville, NC 28792
181 claims since 1978 and $13.2 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 28792 since 1978.
What the record says
89% of claims were on properties in high-risk zones and 11% outside them.
Losses are spread across many events; the largest, Hurricane Helene, accounts for 37% of claims.
Flooding here is recent: 95 claims (52%) were in the last 10 years.
The most commonly recorded cause is rivers, streams or lakes overflowing.
Biggest flood events
| Event | Year | Claims | Share |
|---|---|---|---|
| Hurricane Helene | 2024 | 67 | 37% |
| Tropical Storm Ivan | 2004 | 7 | 4% |
| Hurricane Zeta | 2020 | 2 | 1% |
| Hurricane Michael | 2018 | 2 | 1% |
| Tropical Storm Ernesto | 2006 | 1 | 1% |
| Hurricane Ophelia | 2005 | 1 | 1% |
Flood zone at time of claim
NFIP communities
Federal disaster declarations in Henderson County
Flood, hurricane and storm declarations since 2000.
9 flood, storm or hurricane declarations for Henderson County since 2000.
Check a specific address in Hendersonville.
ZIP-level history is the backdrop. See the official FEMA flood zone, ground elevation and next steps for one property, free.
Nearby North Carolina ZIP codes
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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