Flood Claims Map

North Carolina

Flood insurance claims in Catawba County, North Carolina

FEMA records 210 National Flood Insurance Program claims in Catawba County, North Carolina, since 1978, with $4.9 million paid in total. The year with the most claims was 2020, with 41. As of 3 August 2026, 0.3% of homes here had an NFIP policy, and 31.4% of homes in the high-risk flood zone did.

NFIP claims on record210
Total paid$4.9 million
Claims with a payment165
Homes with NFIP policy0.3%
High-risk zone homes insured31.4%
Residential policies in force207

Claims by year of loss

1978: 119781979: 01980: 01981: 11982: 019821983: 01984: 11985: 01986: 019861987: 01988: 01989: 41990: 019901991: 01992: 01993: 21994: 219941995: 81996: 21997: 11998: 119981999: 12000: 02001: 02002: 120022003: 142004: 122005: 32006: 020062007: 02008: 22009: 02010: 520102011: 22012: 02013: 402014: 120142015: 22016: 12017: 12018: 220182019: 382020: 412021: 02022: 020222023: 02024: 2141

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

1978: $019781979: $01980: $01981: $4511982: $019821983: $01984: $59,9361985: $01986: $019861987: $01988: $01989: $2,5081990: $019901991: $01992: $01993: $22,8061994: $70,45219941995: $53,7171996: $01997: $48,4041998: $7,91719981999: $3,5122000: $02001: $02002: $29,00520022003: $35,8822004: $157,6372005: $13,6722006: $020062007: $02008: $27,8582009: $02010: $38,56320102011: $02012: $02013: $715,7352014: $020142015: $15,5472016: $16,3642017: $02018: $41,54020182019: $1.3 million2020: $1.3 million2021: $02022: $020222023: $02024: $896,856$1.3 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Hurricane Helene18
Hurricane Eta14
Hurricane Hugo4
Hurricane Zeta2
October severe storms1
Hurricane Fran1
Hurricane Florence1
Hurricane Debby1

ZIP codes with the most claims

ZIP code (as reported)Claims
2861055
2860154
2861329
2860926
2860215
2865815
2867310
286033
286501
285601

112 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $4.0 million, contents $788,770, increased cost of compliance $15,750.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone2939231.4%
All homes63,7422070.3%

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.