Flood Claims Map

North Carolina

Flood insurance claims in Currituck County, North Carolina

FEMA records 2,007 National Flood Insurance Program claims in Currituck County, North Carolina, since 1978, with $21.9 million paid in total. The year with the most claims was 2016, with 537. As of 3 August 2026, 19.2% of homes here had an NFIP policy, and 59.3% of homes in the high-risk flood zone did.

NFIP claims on record2,007
Total paid$21.9 million
Claims with a payment1,449
Homes with NFIP policy19.2%
High-risk zone homes insured59.3%
Residential policies in force3,032

Claims by year of loss

1978: 119781979: 11980: 01981: 01982: 019821983: 01984: 01985: 21986: 019861987: 11988: 01989: 11990: 019901991: 71992: 51993: 341994: 119941995: 11996: 291997: 01998: 3119981999: 1242000: 82001: 22002: 320022003: 1392004: 162005: 12006: 38520062007: 12008: 32009: 602010: 6320102011: 1972012: 172013: 12014: 420142015: 672016: 5372017: 82018: 11920182019: 632020: 102021: 82022: 1420222023: 32024: 352025: 32026: 22026537

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

1978: $1,41219781979: $271980: $01981: $01982: $019821983: $01984: $01985: $01986: $019861987: $01988: $01989: $5481990: $019901991: $5,6041992: $9,4251993: $169,0591994: $019941995: $01996: $145,2661997: $01998: $110,77619981999: $340,4842000: $7,9552001: $02002: $6,98920022003: $279,9882004: $105,7292005: $8,0472006: $6.3 million20062007: $6,3262008: $22,3132009: $410,0142010: $588,98620102011: $2.6 million2012: $199,8332013: $02014: $15,63220142015: $759,4452016: $6.7 million2017: $41,8722018: $1.4 million20182019: $708,6022020: $85,0452021: $66,7292022: $81,27220222023: $28,3612024: $734,3022025: $39,6192026: $2,1322026$6.7 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Tropical Storm Ernesto367
Hurricane Matthew361
Hurricane Irene192
Hurricane Isabel107
Hurricane Floyd77
October severe storms56
Hurricane Dennis42
Hurricane Michael38

ZIP codes with the most claims

ZIP code (as reported)Claims
279271,294
27958161
27939129
27929108
2792368
2796460
2794148
2795037
2796624
2794719

829 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $19.1 million, contents $2.6 million, increased cost of compliance $236,865.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone1,61896059.3%
All homes15,8063,03219.2%

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.