Flood Claims Map

North Carolina

Flood insurance claims in Clay County, North Carolina

FEMA records 35 National Flood Insurance Program claims in Clay County, North Carolina, since 1998, with $175,218 paid in total. The year with the most claims was 2013, with 13. As of 3 August 2026, 2.0% of homes here had an NFIP policy, and 43.2% of homes in the high-risk flood zone did.

NFIP claims on record35
Total paid$175,218
Claims with a payment28
Homes with NFIP policy2.0%
High-risk zone homes insured43.2%
Residential policies in force134

Claims by year of loss

1998: 119981999: 02000: 020002001: 02002: 020022003: 02004: 120042005: 02006: 020062007: 02008: 020082009: 02010: 020102011: 02012: 020122013: 132014: 020142015: 62016: 020162017: 02018: 020182019: 12020: 220202021: 42022: 020222023: 02024: 020242025: 713

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

1998: $1,35019981999: $02000: $020002001: $02002: $020022003: $02004: $4,50520042005: $02006: $020062007: $02008: $020082009: $02010: $020102011: $02012: $020122013: $68,2742014: $020142015: $18,1832016: $020162017: $02018: $020182019: $9,8422020: $53520202021: $34,5122022: $020222023: $02024: $020242025: $38,016$68,274

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

Named flood events with the most claims

Event (FEMA name)Claims
Tropical Storm Fred2
Tropical Storm Ivan1

ZIP codes with the most claims

ZIP code (as reported)Claims
2890429
289096

30 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $171,746, contents $3,472, increased cost of compliance $0.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone27111743.2%
All homes6,7331342.0%

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.