Flood Claims Map

North Carolina

Flood insurance claims in Dare County, North Carolina

FEMA records 18,950 National Flood Insurance Program claims in Dare County, North Carolina, since 1978, with $230.9 million paid in total. The year with the most claims was 2011, with 3,462. As of 3 August 2026, 39.7% of homes here had an NFIP policy, and 84.0% of homes in the high-risk flood zone did.

NFIP claims on record18,950
Total paid$230.9 million
Claims with a payment13,551
Homes with NFIP policy39.7%
High-risk zone homes insured84.0%
Residential policies in force12,409

Claims by year of loss

1978: 919781979: 41980: 321981: 361982: 3119821983: 421984: 131985: 2211986: 3319861987: 311988: 581989: 2321990: 2219901991: 8591992: 2651993: 2,0221994: 18319941995: 631996: 661997: 181998: 43219981999: 1,6222000: 592001: 332002: 4020022003: 2,8052004: 6332005: 682006: 25320062007: 362008: 1172009: 3892010: 21220102011: 3,4622012: 7402013: 482014: 34920142015: 692016: 1,4142017: 352018: 53920182019: 6562020: 1202021: 552022: 9120222023: 332024: 1222025: 2052026: 7320263,462

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

1978: $3,30519781979: $01980: $190,7301981: $95,0821982: $99,46619821983: $257,1761984: $19,7161985: $696,1991986: $26,64619861987: $243,7521988: $618,7931989: $4.3 million1990: $120,78919901991: $8.2 million1992: $1.4 million1993: $16.1 million1994: $1.4 million19941995: $2.2 million1996: $149,6421997: $47,6581998: $1.4 million19981999: $7.2 million2000: $275,7682001: $126,4092002: $402,20920022003: $46.7 million2004: $3.0 million2005: $733,0162006: $3.0 million20062007: $158,4352008: $1.2 million2009: $4.3 million2010: $1.2 million20102011: $47.5 million2012: $11.1 million2013: $331,0462014: $3.2 million20142015: $347,8272016: $28.0 million2017: $280,2952018: $6.6 million20182019: $12.3 million2020: $1.3 million2021: $555,6502022: $1.5 million20222023: $576,0182024: $2.8 million2025: $7.1 million2026: $1.6 million2026$47.5 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Hurricane Irene3,417
Hurricane Isabel2,767
Hurricane Matthew1,244
Hurricane Dennis1,057
Hurricane Emily1,012
The "Halloween" Storm784
Hurricane Sandy658
Hurricane Floyd523

ZIP codes with the most claims

ZIP code (as reported)Claims
279493,497
279593,088
279482,713
279151,639
279201,555
279681,481
279431,328
279361,123
27954888
27972532

15,664 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $200.0 million, contents $26.1 million, increased cost of compliance $4.8 million.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone8,5717,19784.0%
All homes31,28012,40939.7%

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.