Flood Claims Map

North Carolina

Flood insurance claims in Craven County, North Carolina

FEMA records 6,126 National Flood Insurance Program claims in Craven County, North Carolina, since 1979, with $239.5 million paid in total. The year with the most claims was 2018, with 2,738. As of 3 August 2026, 11.7% of homes here had an NFIP policy, and 60.6% of homes in the high-risk flood zone did.

NFIP claims on record6,126
Total paid$239.5 million
Claims with a payment5,292
Homes with NFIP policy11.7%
High-risk zone homes insured60.6%
Residential policies in force5,154

Claims by year of loss

1979: 419791980: 01981: 71982: 281983: 3919831984: 01985: 11986: 41987: 119871988: 21989: 11990: 11991: 519911992: 41993: 71994: 51995: 319951996: 7601997: 11998: 531999: 55119992000: 72001: 22002: 72003: 22020032004: 42005: 1462006: 202007: 120072008: 22009: 142010: 1952011: 1,15620112012: 92013: 02014: 22015: 1520152016: 652017: 22018: 2,7382019: 1520192020: 42021: 22022: 72023: 520232024: 92025: 12026: 12,738

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

1979: $019791980: $01981: $3,0431982: $60,6641983: $56,23519831984: $01985: $01986: $1,9101987: $019871988: $1,9961989: $01990: $01991: $13,19019911992: $01993: $13,1241994: $5261995: $019951996: $6.7 million1997: $5,7721998: $49,8381999: $3.7 million19992000: $3,6722001: $02002: $54,8972003: $2.3 million20032004: $23,7522005: $1.2 million2006: $176,5272007: $020072008: $02009: $238,4532010: $2.6 million2011: $18.3 million20112012: $16,2342013: $02014: $02015: $54,13020152016: $879,2942017: $17,8382018: $202.7 million2019: $109,85520192020: $7,9752021: $02022: $8,1642023: $020232024: $103,0382025: $18,6812026: $0$202.7 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Hurricane Florence2,721
Hurricane Irene1,146
Hurricane Fran664
Hurricane Floyd282
Hurricane Dennis248
Hurricane Isabel206
Hurricane Bertha86
Hurricane Ophelia80

ZIP codes with the most claims

ZIP code (as reported)Claims
285603,174
285622,009
28532639
28519141
28586106
2853014
2856312
2852310
285268
285614

5,503 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $207.4 million, contents $28.9 million, increased cost of compliance $3.2 million.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone5,8693,55460.6%
All homes43,9725,15411.7%

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.