Flood Claims Map

North Carolina

Flood insurance claims in Cumberland County, North Carolina

FEMA records 827 National Flood Insurance Program claims in Cumberland County, North Carolina, since 1978, with $24.8 million paid in total. The year with the most claims was 2016, with 329. As of 3 August 2026, 1.2% of homes here had an NFIP policy, and 33.1% of homes in the high-risk flood zone did.

NFIP claims on record827
Total paid$24.8 million
Claims with a payment612
Homes with NFIP policy1.2%
High-risk zone homes insured33.1%
Residential policies in force1,440

Claims by year of loss

1978: 319781979: 21980: 21981: 01982: 019821983: 21984: 91985: 21986: 219861987: 71988: 01989: 331990: 119901991: 21992: 31993: 21994: 119941995: 81996: 131997: 01998: 419981999: 82000: 12001: 12002: 220022003: 282004: 02005: 12006: 420062007: 02008: 112009: 42010: 320102011: 22012: 62013: 102014: 3520142015: 62016: 3292017: 62018: 20420182019: 52020: 222021: 112022: 820222023: 62024: 122025: 22026: 42026329

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

1978: $1,50219781979: $01980: $1,9151981: $01982: $019821983: $3,3571984: $4,1601985: $1,3551986: $10019861987: $25,4141988: $01989: $649,2061990: $019901991: $3,4431992: $22,1111993: $4,0071994: $019941995: $53,3701996: $73,0081997: $01998: $19,88919981999: $27,3452000: $02001: $6,2482002: $1,96420022003: $181,4702004: $02005: $15,1272006: $22,34520062007: $02008: $127,8282009: $12,9952010: $33,49320102011: $02012: $29,5112013: $33,8372014: $667,39620142015: $1,6532016: $17.1 million2017: $32,6502018: $4.9 million20182019: $4,3692020: $309,6142021: $34,7682022: $4,56620222023: $115,5262024: $294,3262025: $02026: $8,7462026$17.1 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Hurricane Matthew302
Hurricane Florence192
Mid-spring storms26
Hurricane Hugo12
Hurricane Eta11
Hurricane Fran10
Hurricane Debby8
Hurricane Diana7

ZIP codes with the most claims

ZIP code (as reported)Claims
28301168
28304108
28312104
2830395
2831489
2834859
2830655
2831153
2830546
2839014

318 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $22.0 million, contents $2.8 million, increased cost of compliance $0.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone1,03534333.1%
All homes121,6211,4401.2%

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.