Flood Claims Map

North Carolina

Flood insurance claims in Durham County, North Carolina

FEMA records 443 National Flood Insurance Program claims in Durham County, North Carolina, since 1979, with $11.0 million paid in total. The year with the most claims was 1996, with 76. As of 3 August 2026, 1.3% of homes here had an NFIP policy, and 64.4% of homes in the high-risk flood zone did.

NFIP claims on record443
Total paid$11.0 million
Claims with a payment346
Homes with NFIP policy1.3%
High-risk zone homes insured64.4%
Residential policies in force1,257

Claims by year of loss

1979: 219791980: 11981: 21982: 11983: 219831984: 51985: 01986: 61987: 019871988: 01989: 11990: 01991: 019911992: 11993: 11994: 21995: 219951996: 761997: 51998: 161999: 1819992000: 162001: 32002: 172003: 220032004: 52005: 82006: 62007: 120072008: 72009: 32010: 12011: 220112012: 52013: 162014: 92015: 620152016: 412017: 32018: 582019: 520192020: 62021: 02022: 12023: 320232024: 302025: 472026: 176

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

1979: $2,36219791980: $01981: $2,3301982: $7901983: $7,28219831984: $4,1771985: $01986: $15,3361987: $019871988: $01989: $3,2601990: $01991: $019911992: $2941993: $6171994: $01995: $4,26219951996: $703,3121997: $12,9591998: $82,8311999: $147,77319992000: $63,9182001: $4,1882002: $169,2912003: $5,31720032004: $41,0262005: $378,8052006: $74,4132007: $5,20220072008: $196,4502009: $16,6082010: $02011: $10,54620112012: $14,8352013: $173,2532014: $207,1602015: $37,67020152016: $967,1732017: $16,5352018: $1.4 million2019: $38,20820192020: $59,6972021: $02022: $02023: $97,10820232024: $1.0 million2025: $5.0 million2026: $0$5.0 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Hurricane Fran73
Hurricane Florence49
2025 July TS Chantal41
Hurricane Helene23
Hurricane Floyd13
Hurricane Matthew4
Tropical Storm Ernesto3
Hurricane Diana2

ZIP codes with the most claims

ZIP code (as reported)Claims
2770797
2770485
2771264
2770560
2770141
2771340
2770334
275176
272784
277063

242 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $9.7 million, contents $1.3 million, increased cost of compliance $0.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone75648764.4%
All homes97,1691,2571.3%

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.

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.