Flood Claims Map

North Carolina

Flood insurance claims in Chowan County, North Carolina

FEMA records 282 National Flood Insurance Program claims in Chowan County, North Carolina, since 1982, with $6.2 million paid in total. The year with the most claims was 2003, with 146. As of 3 August 2026, 3.4% of homes here had an NFIP policy, and 51.9% of homes in the high-risk flood zone did.

NFIP claims on record282
Total paid$6.2 million
Claims with a payment238
Homes with NFIP policy3.4%
High-risk zone homes insured51.9%
Residential policies in force246

Claims by year of loss

1982: 119821983: 01984: 01985: 21986: 119861987: 01988: 01989: 01990: 019901991: 01992: 01993: 01994: 119941995: 01996: 41997: 01998: 319981999: 212000: 22001: 02002: 020022003: 1462004: 22005: 12006: 220062007: 02008: 02009: 12010: 120102011: 572012: 02013: 02014: 120142015: 12016: 232017: 12018: 020182019: 22020: 42021: 12022: 020222023: 32024: 1146

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

1982: $019821983: $01984: $01985: $1,8101986: $83919861987: $01988: $01989: $01990: $019901991: $01992: $01993: $01994: $019941995: $01996: $6,5131997: $01998: $7,09319981999: $83,8712000: $3,8352001: $02002: $020022003: $4.8 million2004: $60,0002005: $02006: $58,77820062007: $02008: $02009: $3,5392010: $2,77520102011: $594,5632012: $02013: $02014: $020142015: $02016: $444,5822017: $02018: $020182019: $14,4192020: $29,5172021: $11,5212022: $020222023: $28,5402024: $4,469$4.8 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Hurricane Isabel142
Hurricane Irene57
Hurricane Floyd17
Hurricane Matthew14
Hurricane Isaias4
Hurricane Bonnie3
Hurricane Fran3
October severe storms1

ZIP codes with the most claims

ZIP code (as reported)Claims
27932279
279803

227 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $5.1 million, contents $790,874, increased cost of compliance $254,382.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone21611251.9%
All homes7,3082463.4%

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

  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.