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North Carolina flood insurance claims by county
109,593 National Flood Insurance Program claims across 100 North Carolina counties since 1978, with $2.31B paid. The worst year statewide was 2018 (16,520 claims), and September is the peak month for flood losses. Pick a county for ZIP-level detail.
North Carolina flood claims map
Darker counties have filed more federal flood insurance claims since 1978. Hover or tap for the numbers; click one to open its full record.
North Carolina flood claims by year
All North Carolina NFIP claims by year of loss.
North Carolina counties by flood claims
| Dare County | 18,950 | $230.9M | 17% | 2011 | Hurricane Irene (2011) |
| New Hanover County | 11,183 | $187.7M | 18% | 1996 | Hurricane Fran (1996) |
| Brunswick County | 9,879 | $99.3M | 9% | 1999 | Hurricane Floyd (1999) |
| Beaufort County | 9,462 | $131.5M | 5% | 1999 | Hurricane Irene (2011) |
| Carteret County | 8,997 | $128.9M | 25% | 2018 | Hurricane Florence (2018) |
| Craven County | 6,126 | $239.5M | 9% | 2018 | Hurricane Florence (2018) |
| Pender County | 5,889 | $118.1M | 17% | 1996 | Hurricane Fran (1996) |
| Onslow County | 4,432 | $70.7M | 13% | 1996 | Hurricane Fran (1996) |
| Pamlico County | 4,330 | $102.8M | 11% | 2011 | Hurricane Irene (2011) |
| Mecklenburg County | 2,883 | $61.6M | 28% | 2008 | Hurricane Helene (2024) |
| Currituck County | 2,007 | $21.9M | 59% | 2016 | Tropical Storm Ernesto (2006) |
| Hyde County | 1,734 | $44.8M | 2% | 2019 | Hurricane Isabel (2003) |
| Wake County | 1,642 | $31.3M | 37% | 1996 | Hurricane Fran (1996) |
| Robeson County | 1,430 | $54.6M | 22% | 2018 | Hurricane Florence (2018) |
| Pitt County | 1,205 | $36.3M | 25% | 1999 | Hurricane Floyd (1999) |
| Wayne County | 1,193 | $47.0M | 25% | 2016 | Hurricane Matthew (2016) |
| Buncombe County | 1,192 | $104.1M | 25% | 2024 | Hurricane Helene (2024) |
| Lenoir County | 835 | $44.4M | 17% | 1999 | Hurricane Floyd (1999) |
| Cumberland County | 827 | $24.8M | 61% | 2016 | Hurricane Matthew (2016) |
| Edgecombe County | 795 | $28.2M | 34% | 2016 | Hurricane Matthew (2016) |
| Nash County | 735 | $33.7M | 20% | 1999 | Hurricane Floyd (1999) |
| Haywood County | 733 | $36.2M | 13% | 2024 | Hurricane Helene (2024) |
| Columbus County | 712 | $25.0M | 26% | 2018 | Hurricane Florence (2018) |
| Guilford County | 680 | $9.4M | 39% | 1979 | Hurricane Florence (2018) |
| Tyrrell County | 588 | $9.0M | 4% | 2011 | Hurricane Irene (2011) |
| Orange County | 568 | $36.4M | 25% | 2025 | 2025 July TS Chantal (2025) |
| Duplin County | 542 | $52.1M | 62% | 2018 | Hurricane Florence (2018) |
| Pasquotank County | 531 | $6.5M | 11% | 1999 | Hurricane Floyd (1999) |
| Wilson County | 498 | $12.6M | 28% | 1999 | Hurricane Floyd (1999) |
| Watauga County | 463 | $16.3M | 26% | 2024 | Hurricane Helene (2024) |
| Durham County | 443 | $11.0M | 45% | 1996 | Hurricane Fran (1996) |
| Henderson County | 442 | $29.6M | 28% | 2024 | Hurricane Helene (2024) |
| Forsyth County | 440 | $4.7M | 43% | 2018 | Hurricane Michael (2018) |
| Bertie County | 423 | $13.1M | 32% | 2016 | Hurricane Matthew (2016) |
| Johnston County | 313 | $11.4M | 31% | 2016 | Hurricane Matthew (2016) |
| Avery County | 288 | $15.2M | 28% | 2024 | Hurricane Helene (2024) |
| Camden County | 285 | $3.4M | 5% | 2016 | Hurricane Matthew (2016) |
| Chowan County | 282 | $6.2M | 19% | 2003 | Hurricane Isabel (2003) |
| Cabarrus County | 241 | $5.4M | 35% | 2008 | Hurricane Eta (2020) |
| Catawba County | 210 | $4.9M | 46% | 2020 | Hurricane Helene (2024) |
| Jones County | 205 | $17.0M | 36% | 2018 | Hurricane Florence (2018) |
| Bladen County | 195 | $9.2M | 40% | 2018 | Hurricane Florence (2018) |
| Ashe County | 183 | $7.3M | 25% | 2024 | Hurricane Helene (2024) |
| Alamance County | 168 | $5.1M | 14% | 2025 | 2025 July TS Chantal (2025) |
| Perquimans County | 160 | $976K | 19% | 2003 | Hurricane Isabel (2003) |
| Hertford County | 159 | $3.2M | 68% | 2001 | Hurricane Matthew (2016) |
| Washington County | 157 | $2.8M | 20% | 2003 | Hurricane Isabel (2003) |
| Moore County | 154 | $2.9M | 42% | 2016 | Hurricane Matthew (2016) |
| Transylvania County | 153 | $6.3M | 28% | 2024 | Hurricane Helene (2024) |
| Sampson County | 148 | $6.1M | 48% | 2018 | Hurricane Florence (2018) |
| Yancey County | 146 | $8.9M | 27% | 2024 | Hurricane Helene (2024) |
| Burke County | 131 | $11.3M | 39% | 2024 | Hurricane Helene (2024) |
| Rutherford County | 117 | $8.1M | 24% | 2024 | Hurricane Helene (2024) |
| Harnett County | 116 | $2.5M | 51% | 2018 | Hurricane Florence (2018) |
| McDowell County | 111 | $8.4M | 36% | 2024 | Hurricane Helene (2024) |
| Madison County | 110 | $8.8M | 50% | 2024 | Hurricane Helene (2024) |
| Rockingham County | 108 | $725K | 64% | 1979 | Hurricane Fran (1996) |
| Gaston County | 105 | $1.3M | 27% | 2024 | Hurricane Helene (2024) |
| Davidson County | 103 | $1.7M | 39% | 2003 | Hurricane Eta (2020) |
| Jackson County | 97 | $1.1M | 24% | 2024 | Hurricane Helene (2024) |
| Caldwell County | 85 | $1.5M | 29% | 2024 | Hurricane Helene (2024) |
| Greene County | 82 | $2.5M | 53% | 2016 | Hurricane Matthew (2016) |
| Union County | 81 | $1.7M | 57% | 2018 | Hurricane Florence (2018) |
| Polk County | 79 | $4.4M | 47% | 2024 | Hurricane Helene (2024) |
| Macon County | 79 | $2.0M | 34% | 2004 | Tropical Storm Ivan (2004) |
| Surry County | 72 | $1.2M | 19% | 1980 | Hurricane Dennis (1999) |
| Stanly County | 66 | $3.0M | 21% | 1997 | Hurricane Florence (2018) |
| Rowan County | 65 | $1.1M | 63% | 2018 | Hurricane Florence (2018) |
| Randolph County | 65 | $395K | 50% | 2018 | Hurricane Florence (2018) |
| Lee County | 63 | $1.1M | 32% | 2018 | Hurricane Florence (2018) |
| Iredell County | 60 | $1.1M | 40% | 2003 | Hurricane Michael (2018) |
| Swain County | 56 | $1.2M | 13% | 2018 | Hurricane Helene (2024) |
| Cherokee County | 56 | $979K | 28% | 2015 | — |
| Halifax County | 54 | $846K | 50% | 1999 | Hurricane Floyd (1999) |
| Cleveland County | 54 | $740K | 23% | 2010 | Hurricane Helene (2024) |
| Mitchell County | 50 | $2.7M | 38% | 2024 | Hurricane Helene (2024) |
| Martin County | 42 | $621K | 56% | 2016 | Hurricane Matthew (2016) |
| Chatham County | 41 | $2.1M | 28% | 2025 | 2025 July TS Chantal (2025) |
| Hoke County | 39 | $616K | 58% | 2016 | Hurricane Florence (2018) |
| Clay County | 35 | $175K | 12% | 2013 | Tropical Storm Fred (2021) |
| Wilkes County | 34 | $1.4M | 39% | 2024 | Hurricane Helene (2024) |
| Northampton County | 34 | $283K | 47% | 1999 | Hurricane Floyd (1999) |
| Gates County | 26 | $334K | 31% | 2016 | Hurricane Matthew (2016) |
| Richmond County | 25 | $318K | 40% | 2008 | Hurricane Matthew (2016) |
| Franklin County | 23 | $279K | 19% | 1999 | Hurricane Floyd (1999) |
| Scotland County | 20 | $560K | 53% | 2018 | Hurricane Florence (2018) |
| Stokes County | 18 | $247K | 57% | 1985 | Hurricane Michael (2018) |
| Granville County | 15 | $196K | 31% | 1996 | Hurricane Florence (2018) |
| Lincoln County | 15 | $246K | 73% | 2013 | Hurricane Eta (2020) |
| Alleghany County | 13 | $475K | 33% | 2024 | Hurricane Helene (2024) |
| Davie County | 12 | $147K | 36% | 2020 | Hurricane Michael (2018) |
| Vance County | 12 | $174K | 67% | 1996 | Hurricane Fran (1996) |
| Person County | 9 | $50K | 33% | 2017 | Hurricane Helene (2024) |
| Graham County | 7 | $14K | 40% | 2003 | — |
| Alexander County | 6 | $42K | 50% | 2012 | Hurricane Eta (2020) |
| Montgomery County | 6 | $81K | 67% | 2015 | Hurricane Florence (2018) |
| Yadkin County | 6 | $6K | 40% | 1979 | Hurricane Hugo (1989) |
| Anson County | 4 | $22K | 75% | 1979 | — |
| Warren County | 4 | $0 | 25% | 1996 | Hurricane Isabel (2003) |
| Caswell County | 1 | $0 | 0% | 1995 | — |
All 100 counties — click a column to sort.
Largest flood events in North Carolina
The floods that produced the most NFIP claims statewide. Open a flood to see which counties it hit and how hard — the same storm can account for most of one county’s claim history and almost none of its neighbour’s.
Hurricane Florence · 2018 — 15,337 claims, $637.3M paid · hardest hit: Craven County
Craven County filed 2,721 claims from this flood — 18% of every North Carolina claim from it, and 44% of that county’s entire claim history since 1978.
| County | Claims | Paid | Share of county’s claims |
|---|---|---|---|
| Craven County | 2,721 | $202.5M | 44% |
| Carteret County | 2,488 | $66.1M | 28% |
| New Hanover County | 1,596 | $34.3M | 14% |
| Pender County | 1,315 | $65.7M | 22% |
| Pamlico County | 1,274 | $38.2M | 29% |
| Beaufort County | 1,165 | $23.9M | 12% |
| Brunswick County | 1,092 | $24.4M | 11% |
| Onslow County | 966 | $30.6M | 22% |
| Robeson County | 742 | $31.1M | 52% |
| Columbus County | 300 | $14.7M | 42% |
Top 10 of 61 counties where this flood ranks among the county’s 25 biggest. Between them they account for essentially all of the 15,337 statewide claims from this flood.
Hurricane Floyd · 1999 — 12,334 claims, $199.6M paid · hardest hit: New Hanover County
New Hanover County filed 2,313 claims from this flood — 19% of every North Carolina claim from it, and 21% of that county’s entire claim history since 1978.
| County | Claims | Paid | Share of county’s claims |
|---|---|---|---|
| New Hanover County | 2,313 | $30.7M | 21% |
| Brunswick County | 1,709 | $17.8M | 17% |
| Beaufort County | 1,208 | $9.6M | 13% |
| Pender County | 1,189 | $14.0M | 20% |
| Carteret County | 976 | $9.1M | 11% |
| Onslow County | 868 | $8.3M | 20% |
| Pitt County | 581 | $26.3M | 48% |
| Dare County | 523 | $1.7M | 3% |
| Wayne County | 370 | $10.4M | 31% |
| Nash County | 367 | $25.8M | 50% |
Top 10 of 57 counties where this flood ranks among the county’s 25 biggest. Between them they account for essentially all of the 12,334 statewide claims from this flood.
Hurricane Fran · 1996 — 10,357 claims, $176.8M paid · hardest hit: New Hanover County
New Hanover County filed 3,529 claims from this flood — 34% of every North Carolina claim from it, and 32% of that county’s entire claim history since 1978.
| County | Claims | Paid | Share of county’s claims |
|---|---|---|---|
| New Hanover County | 3,529 | $85.6M | 32% |
| Pender County | 1,681 | $27.6M | 29% |
| Onslow County | 1,048 | $17.8M | 24% |
| Beaufort County | 977 | $13.8M | 10% |
| Carteret County | 812 | $5.4M | 9% |
| Craven County | 664 | $6.3M | 11% |
| Brunswick County | 485 | $1.9M | 5% |
| Wake County | 361 | $8.3M | 22% |
| Pamlico County | 86 | $305K | 2% |
| Durham County | 73 | $694K | 16% |
Top 10 of 62 counties where this flood ranks among the county’s 25 biggest. They cover 99% of the 10,357 statewide claims from it; the rest are spread across counties where it did not rank that high, plus claims filed with no county code.
Hurricane Irene · 2011 — 9,337 claims, $172.7M paid · hardest hit: Dare County
Dare County filed 3,417 claims from this flood — 37% of every North Carolina claim from it, and 18% of that county’s entire claim history since 1978.
| County | Claims | Paid | Share of county’s claims |
|---|---|---|---|
| Dare County | 3,417 | $47.2M | 18% |
| Beaufort County | 1,676 | $40.9M | 18% |
| Pamlico County | 1,325 | $43.6M | 31% |
| Craven County | 1,146 | $18.1M | 19% |
| Carteret County | 776 | $10.4M | 9% |
| Tyrrell County | 213 | $4.2M | 36% |
| Currituck County | 192 | $2.5M | 10% |
| Hyde County | 144 | $2.0M | 8% |
| New Hanover County | 72 | $493K | 1% |
| Pitt County | 67 | $661K | 6% |
Top 10 of 38 counties where this flood ranks among the county’s 25 biggest. Between them they account for essentially all of the 9,337 statewide claims from this flood.
Hurricane Isabel · 2003 — 6,456 claims, $99.6M paid · hardest hit: Dare County
Dare County filed 2,767 claims from this flood — 43% of every North Carolina claim from it, and 15% of that county’s entire claim history since 1978.
| County | Claims | Paid | Share of county’s claims |
|---|---|---|---|
| Dare County | 2,767 | $46.5M | 15% |
| Pamlico County | 897 | $13.8M | 21% |
| Carteret County | 841 | $15.8M | 9% |
| Beaufort County | 679 | $5.2M | 7% |
| Hyde County | 323 | $6.2M | 19% |
| Craven County | 206 | $2.3M | 3% |
| Chowan County | 142 | $4.7M | 50% |
| Currituck County | 107 | $142K | 5% |
| Pasquotank County | 90 | $992K | 17% |
| Perquimans County | 81 | $707K | 51% |
Top 10 of 43 counties where this flood ranks among the county’s 25 biggest. Between them they account for essentially all of the 6,456 statewide claims from this flood.
Hurricane Matthew · 2016 — 5,929 claims, $204.7M paid · hardest hit: Dare County
Dare County filed 1,244 claims from this flood — 21% of every North Carolina claim from it, and 7% of that county’s entire claim history since 1978.
| County | Claims | Paid | Share of county’s claims |
|---|---|---|---|
| Dare County | 1,244 | $26.7M | 7% |
| Wayne County | 452 | $29.9M | 38% |
| Brunswick County | 412 | $3.3M | 4% |
| Robeson County | 412 | $20.7M | 29% |
| Currituck County | 361 | $4.2M | 18% |
| Edgecombe County | 328 | $16.2M | 41% |
| Cumberland County | 302 | $15.9M | 37% |
| Lenoir County | 265 | $23.9M | 32% |
| Pitt County | 252 | $7.0M | 21% |
| Tyrrell County | 153 | $3.1M | 26% |
Top 10 of 54 counties where this flood ranks among the county’s 25 biggest. Between them they account for essentially all of the 5,929 statewide claims from this flood.
Hurricane Bonnie · 1998 — 4,378 claims, $23.0M paid · hardest hit: New Hanover County
New Hanover County filed 1,341 claims from this flood — 31% of every North Carolina claim from it, and 12% of that county’s entire claim history since 1978.
| County | Claims | Paid | Share of county’s claims |
|---|---|---|---|
| New Hanover County | 1,341 | $9.3M | 12% |
| Beaufort County | 1,065 | $8.9M | 11% |
| Carteret County | 504 | $1.6M | 6% |
| Brunswick County | 417 | $150K | 4% |
| Pender County | 356 | $680K | 6% |
| Onslow County | 232 | $863K | 5% |
| Dare County | 222 | $510K | 1% |
| Hyde County | 57 | $225K | 3% |
| Craven County | 44 | $42K | 1% |
| Currituck County | 25 | $92K | 1% |
Top 10 of 38 counties where this flood ranks among the county’s 25 biggest. Between them they account for essentially all of the 4,378 statewide claims from this flood.
Hurricane Dennis · 1999 — 3,449 claims, $31.0M paid · hardest hit: Beaufort County
Beaufort County filed 1,246 claims from this flood — 36% of every North Carolina claim from it, and 13% of that county’s entire claim history since 1978.
| County | Claims | Paid | Share of county’s claims |
|---|---|---|---|
| Beaufort County | 1,246 | $17.3M | 13% |
| Dare County | 1,057 | $5.3M | 6% |
| Pamlico County | 391 | $3.7M | 9% |
| Carteret County | 267 | $1.5M | 3% |
| Craven County | 248 | $1.7M | 4% |
| Hyde County | 54 | $257K | 3% |
| Currituck County | 42 | $173K | 2% |
| New Hanover County | 35 | $226K | 0% |
| Brunswick County | 35 | $196K | 0% |
| Onslow County | 13 | $24K | 0% |
Top 10 of 33 counties where this flood ranks among the county’s 25 biggest. Between them they account for essentially all of the 3,449 statewide claims from this flood.
Hurricane Bertha · 1996 — 2,126 claims, $10.4M paid · hardest hit: Beaufort County
Beaufort County filed 472 claims from this flood — 22% of every North Carolina claim from it, and 5% of that county’s entire claim history since 1978.
| County | Claims | Paid | Share of county’s claims |
|---|---|---|---|
| Beaufort County | 472 | $3.4M | 5% |
| Carteret County | 427 | $2.2M | 5% |
| Onslow County | 374 | $1.5M | 8% |
| Pender County | 366 | $1.5M | 6% |
| New Hanover County | 226 | $705K | 2% |
| Craven County | 86 | $372K | 1% |
| Brunswick County | 64 | $135K | 1% |
| Pasquotank County | 13 | $125K | 2% |
| Hyde County | 10 | $39K | 1% |
| Camden County | 9 | $27K | 3% |
Top 10 of 37 counties where this flood ranks among the county’s 25 biggest. They cover 98% of the 2,126 statewide claims from it; the rest are spread across counties where it did not rank that high, plus claims filed with no county code.
Hurricane Helene · 2024 — 2,028 claims, $219.6M paid · hardest hit: Buncombe County
Buncombe County filed 497 claims from this flood — 25% of every North Carolina claim from it, and 42% of that county’s entire claim history since 1978.
| County | Claims | Paid | Share of county’s claims |
|---|---|---|---|
| Buncombe County | 497 | $81.5M | 42% |
| Haywood County | 273 | $17.0M | 37% |
| Henderson County | 205 | $26.5M | 46% |
| Watauga County | 196 | $13.0M | 42% |
| Avery County | 135 | $12.5M | 47% |
| Ashe County | 83 | $6.3M | 45% |
| Mecklenburg County | 76 | $8.7M | 3% |
| Yancey County | 75 | $7.8M | 51% |
| Burke County | 71 | $9.0M | 54% |
| Transylvania County | 60 | $4.6M | 39% |
Top 10 of 47 counties where this flood ranks among the county’s 25 biggest. Between them they account for essentially all of the 2,028 statewide claims from this flood.
Hurricane Hugo · 1989 — 1,704 claims, $10.3M paid · hardest hit: Brunswick County
Brunswick County filed 1,519 claims from this flood — 89% of every North Carolina claim from it, and 15% of that county’s entire claim history since 1978.
| County | Claims | Paid | Share of county’s claims |
|---|---|---|---|
| Brunswick County | 1,519 | $9.7M | 15% |
| Mecklenburg County | 47 | $80K | 2% |
| New Hanover County | 18 | $44K | 0% |
| Cumberland County | 12 | $22K | 1% |
| Watauga County | 12 | $58K | 3% |
| Pender County | 11 | $14K | 0% |
| Beaufort County | 9 | $9K | 0% |
| Columbus County | 9 | $89K | 1% |
| Gaston County | 8 | $1K | 8% |
| Onslow County | 6 | $3K | 0% |
Top 10 of 28 counties where this flood ranks among the county’s 25 biggest. They cover 99% of the 1,704 statewide claims from it; the rest are spread across counties where it did not rank that high, plus claims filed with no county code.
Hurricane Ophelia · 2005 — 1,223 claims, $13.4M paid · hardest hit: Carteret County
Carteret County filed 639 claims from this flood — 52% of every North Carolina claim from it, and 7% of that county’s entire claim history since 1978.
| County | Claims | Paid | Share of county’s claims |
|---|---|---|---|
| Carteret County | 639 | $7.3M | 7% |
| Onslow County | 163 | $3.4M | 4% |
| Brunswick County | 109 | $570K | 1% |
| New Hanover County | 107 | $723K | 1% |
| Craven County | 80 | $413K | 1% |
| Pamlico County | 55 | $715K | 1% |
| Pender County | 47 | $121K | 1% |
| Dare County | 10 | $100K | 0% |
| Beaufort County | 2 | $9K | 0% |
| Mecklenburg County | 1 | $1K | 0% |
Top 10 of 17 counties where this flood ranks among the county’s 25 biggest. Between them they account for essentially all of the 1,223 statewide claims from this flood.
Flood claims outside the high-risk map
Counties (with at least 100 claims) where the largest share of claims came from moderate- or low-risk zones:
| County | Claims in B / C / X zones | Share of all claims |
|---|---|---|
| Hertford County | 102 | 68% |
| Rockingham County | 62 | 64% |
| Duplin County | 331 | 62% |
| Cumberland County | 498 | 61% |
| Currituck County | 1,174 | 59% |
| Harnett County | 58 | 51% |
| Madison County | 55 | 50% |
| Sampson County | 66 | 48% |
| Catawba County | 97 | 46% |
| Durham County | 201 | 45% |
All 100 North Carolina counties
Source: FEMA OpenFEMA NFIP Redacted Claims, U.S. government work. 845 North Carolina claims have no county code and appear only in the statewide totals. Counties with no NFIP claim on file do not have a page. Reference only — not for insurance, legal or real-estate decisions.