Flood Claims Map

North Carolina

Flood insurance claims in Beaufort County, North Carolina

FEMA records 9,462 National Flood Insurance Program claims in Beaufort County, North Carolina, since 1978, with $131.5 million paid in total. The year with the most claims was 1999, with 2,500. As of 3 August 2026, 13.5% of homes here had an NFIP policy, and 55.6% of homes in the high-risk flood zone did.

NFIP claims on record9,462
Total paid$131.5 million
Claims with a payment8,122
Homes with NFIP policy13.5%
High-risk zone homes insured55.6%
Residential policies in force2,915

Claims by year of loss

1978: 219781979: 11980: 31981: 01982: 419821983: 11984: 21985: 331986: 019861987: 11988: 01989: 111990: 019901991: 11992: 41993: 71994: 219941995: 11996: 1,5001997: 11998: 1,14219981999: 2,5002000: 62001: 182002: 220022003: 6862004: 72005: 742006: 5220062007: 02008: 162009: 102010: 13720102011: 1,6842012: 52013: 32014: 1820142015: 282016: 1552017: 72018: 1,17720182019: 102020: 172021: 12022: 1020222023: 1072024: 122025: 32026: 120262,500

NFIP claims by year of loss, Beaufort County, North Carolina

1978: $019781979: $4761980: $01981: $01982: $2,88019821983: $9071984: $01985: $169,7811986: $019861987: $3041988: $01989: $15,7861990: $019901991: $01992: $5,3411993: $12,9451994: $019941995: $01996: $17.5 million1997: $23,7591998: $9.2 million19981999: $27.1 million2000: $93,6382001: $49,7682002: $020022003: $5.3 million2004: $02005: $985,8412006: $398,91420062007: $02008: $62,4522009: $141,3472010: $1.4 million20102011: $40.9 million2012: $2,0622013: $13,1052014: $96,44820142015: $133,2612016: $2.4 million2017: $41,2092018: $23.9 million20182019: $53,3282020: $129,3782021: $12,6032022: $51,28420222023: $1.0 million2024: $31,7242025: $43,2632026: $4112026$40.9 million

Paid on claims by year of loss (building, contents and increased cost of compliance), Beaufort County, North Carolina

Named flood events with the most claims

Event (FEMA name)Claims
Hurricane Irene1,676
Hurricane Dennis1,246
Hurricane Floyd1,208
Hurricane Florence1,165
Hurricane Bonnie1,065
Hurricane Fran977
Hurricane Isabel679
Hurricane Bertha472

ZIP codes with the most claims

ZIP code (as reported)Claims
278893,752
278103,656
27817804
27808580
27806438
27814119
2786045
2786523
278584
278014

8,686 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $109.2 million, contents $16.0 million, increased cost of compliance $6.2 million.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone3,7742,09855.6%
All homes21,6642,91513.5%

FEMA counts residential structures and NFIP residential policies in force as of 3 August 2026. Private flood policies are not counted. A share is shown as n/a where FEMA counts no homes or more policies than homes.

Flood insurance basics. Most standard homeowners policies do not cover flood damage. NFIP policies are sold through insurance agents and through FEMA's FloodSmart site, which also explains waiting periods (usually 30 days before cover starts). Check your property's flood zone on the FEMA Flood Map Service Center.

Sources

  1. FEMA, OpenFEMA FIMA NFIP Redacted Claims (v2 dataset, API v3 NfipClaims), 2,725,989 claim records, retrieved 29 October 2026
  2. FEMA, OpenFEMA NFIP Residential Penetration Rates, as of 3 August 2026

Checked 29 October 2026. Claims are NFIP claims only. Private flood insurance claims and uninsured losses are not included. Recent events can take months to be fully reflected.