Flood insurance claims in Davidson County, North Carolina
FEMA records 103 National Flood Insurance Program claims in Davidson County, North Carolina, since 1984, with $1.7 million paid in total. The year with the most claims was 2003, with 18. As of 3 August 2026, 0.3% of homes here had an NFIP policy, and 32.6% of homes in the high-risk flood zone did.
Claims by year of loss
NFIP claims by year of loss, Davidson County, North Carolina
Paid on claims by year of loss (building, contents and increased cost of compliance), Davidson County, North Carolina
Named flood events with the most claims
| Event (FEMA name) | Claims |
|---|---|
| Hurricane Eta | 9 |
| Hurricane Isabel | 8 |
| Hurricane Florence | 6 |
| 2025 July TS Chantal | 6 |
| Hurricane Michael | 5 |
| Flooding | 3 |
| Hurricane Hugo | 2 |
| Hurricane Dennis | 1 |
ZIP codes with the most claims
| ZIP code (as reported) | Claims |
|---|---|
| 27292 | 33 |
| 27360 | 26 |
| 27295 | 7 |
| 27265 | 7 |
| 27107 | 7 |
| 27012 | 5 |
| 27920 | 3 |
| 27373 | 3 |
| 27299 | 3 |
| 27102 | 2 |
63 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $1.4 million, contents $344,127, increased cost of compliance $0.
Flood insurance take-up
| Homes | With NFIP policy | Share | |
|---|---|---|---|
| High-risk flood zone | 377 | 123 | 32.6% |
| All homes | 74,242 | 216 | 0.3% |
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.
Sources
- FEMA, OpenFEMA FIMA NFIP Redacted Claims (v2 dataset, API v3 NfipClaims), 2,725,989 claim records, retrieved 29 October 2026
- 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.