Flood insurance claims in Caldwell County, North Carolina

FEMA records 85 National Flood Insurance Program claims in Caldwell County, North Carolina, since 1979, with $1.5 million paid in total. The year with the most claims was 2024, with 13. As of 3 August 2026, 0.4% of homes here had an NFIP policy, and 19.0% of homes in the high-risk flood zone did.

NFIP claims on record85

Total paid$1.5 million

Claims with a payment61

Homes with NFIP policy0.4%

High-risk zone homes insured19.0%

Residential policies in force137

Claims by year of loss

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

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

Named flood events with the most claims

Event (FEMA name)	Claims
Hurricane Helene	13
Flooding	4
Hurricane Eta	3
Hurricane Zeta	3
Hurricane Cindy	1

ZIP codes with the most claims

ZIP code (as reported)	Claims
28645	57
28611	15
28630	9
28601	2
28638	1
28607	1

53 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $1.2 million, contents $375,749, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	489	93	19.0%
All homes	37,054	137	0.4%

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

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.