Flood insurance claims in Cherokee County, North Carolina

FEMA records 56 National Flood Insurance Program claims in Cherokee County, North Carolina, since 1980, with $978,517 paid in total. The year with the most claims was 2015, with 14. As of 3 August 2026, 0.8% of homes here had an NFIP policy, and 27.8% of homes in the high-risk flood zone did.

NFIP claims on record56

Total paid$978,517

Claims with a payment43

Homes with NFIP policy0.8%

High-risk zone homes insured27.8%

Residential policies in force138

Claims by year of loss

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

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

ZIP codes with the most claims

ZIP code (as reported)	Claims
28906	49
28901	4
28905	2
28781	1

39 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $721,993, contents $226,524, increased cost of compliance $30,000.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	360	100	27.8%
All homes	17,007	138	0.8%

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.