Flood Claims Map

North Carolina

Flood insurance claims in Carteret County, North Carolina

FEMA records 8,997 National Flood Insurance Program claims in Carteret County, North Carolina, since 1978, with $128.9 million paid in total. The year with the most claims was 2018, with 2,521. As of 3 August 2026, 21.5% of homes here had an NFIP policy, and 52.2% of homes in the high-risk flood zone did.

NFIP claims on record8,997
Total paid$128.9 million
Claims with a payment6,273
Homes with NFIP policy21.5%
High-risk zone homes insured52.2%
Residential policies in force9,202

Claims by year of loss

1978: 219781979: 31980: 111981: 51982: 1219821983: 531984: 91985: 721986: 2919861987: 121988: 51989: 91990: 019901991: 31992: 31993: 621994: 10119941995: 161996: 1,2751997: 21998: 53419981999: 1,2652000: 132001: 72002: 1320022003: 8842004: 232005: 8162006: 1420062007: 22008: 42009: 272010: 5120102011: 7922012: 142013: 62014: 3420142015: 762016: 232017: 12018: 2,52120182019: 782020: 142021: 62022: 3520222023: 192024: 262025: 132026: 220262,521

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

1978: $019781979: $01980: $28,5291981: $9,6421982: $14,60319821983: $101,3101984: $30,2831985: $108,5851986: $29,28819861987: $39,1991988: $102,1191989: $1,7971990: $019901991: $1,9621992: $3,0191993: $52,1991994: $168,53119941995: $285,9671996: $7.7 million1997: $233,1181998: $1.7 million19981999: $10.7 million2000: $34,0372001: $4,8402002: $41,07420022003: $16.7 million2004: $359,8182005: $8.7 million2006: $61,74420062007: $02008: $17,8632009: $151,3492010: $614,47520102011: $10.5 million2012: $10,5092013: $95,6292014: $219,78520142015: $607,6362016: $115,5142017: $02018: $66.5 million20182019: $1.3 million2020: $82,1612021: $16,8902022: $733,98620222023: $229,5232024: $441,3272025: $33,3062026: $5,2042026$66.5 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Hurricane Florence2,488
Hurricane Floyd976
Hurricane Isabel841
Hurricane Fran812
Hurricane Irene776
Hurricane Ophelia639
Hurricane Bonnie504
Hurricane Bertha427

ZIP codes with the most claims

ZIP code (as reported)Claims
285161,798
285941,693
285121,573
28570709
28557685
28584643
28524314
28579268
28577238
28553184

6,678 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $106.9 million, contents $16.2 million, increased cost of compliance $5.7 million.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone12,1326,33252.2%
All homes42,8529,20221.5%

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.