Flood Claims Map

North Carolina

Flood insurance claims in Henderson County, North Carolina

FEMA records 442 National Flood Insurance Program claims in Henderson County, North Carolina, since 1978, with $29.6 million paid in total. The year with the most claims was 2024, with 217. As of 3 August 2026, 1.0% of homes here had an NFIP policy, and 43.8% of homes in the high-risk flood zone did.

NFIP claims on record442
Total paid$29.6 million
Claims with a payment370
Homes with NFIP policy1.0%
High-risk zone homes insured43.8%
Residential policies in force532

Claims by year of loss

1978: 219781979: 101980: 01981: 01982: 019821983: 51984: 01985: 01986: 019861987: 11988: 01989: 11990: 319901991: 61992: 51993: 01994: 1019941995: 71996: 51997: 11998: 1319981999: 02000: 02001: 02002: 020022003: 12004: 302005: 92006: 520062007: 22008: 02009: 92010: 1120102011: 32012: 22013: 112014: 020142015: 12016: 12017: 72018: 2620182019: 102020: 92021: 122022: 320222023: 12024: 2172025: 22026: 12026217

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

1978: $5,90919781979: $36,2411980: $01981: $01982: $019821983: $6,2681984: $01985: $01986: $019861987: $5,6761988: $01989: $6,0921990: $24,97219901991: $48,6851992: $74,8261993: $01994: $121,22619941995: $100,8041996: $54,4121997: $01998: $153,65919981999: $02000: $02001: $02002: $020022003: $02004: $327,3572005: $39,1992006: $94,39820062007: $1,0132008: $02009: $267,1092010: $114,49620102011: $02012: $39,8522013: $75,5832014: $020142015: $14,9432016: $2,7742017: $140,8572018: $533,97420182019: $120,4622020: $98,5862021: $159,7142022: $020222023: $5,4092024: $26.9 million2025: $47,6292026: $02026$26.9 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Hurricane Helene205
Tropical Storm Fred10
Tropical Storm Ivan9
Hurricane Zeta6
Hurricane Michael6
October severe storms1
Tropical Storm Ernesto1
Hurricane Ophelia1

ZIP codes with the most claims

ZIP code (as reported)Claims
28792179
28739115
2873244
2879136
2873116
2879011
287298
287597
287107
287427

310 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $26.0 million, contents $3.6 million, increased cost of compliance $68,329.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone56224643.8%
All homes51,7075321.0%

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.