Flood Claims Map

North Carolina

Flood insurance claims in Hertford County, North Carolina

FEMA records 159 National Flood Insurance Program claims in Hertford County, North Carolina, since 1979, with $3.2 million paid in total. The year with the most claims was 2001, with 43. As of 3 August 2026, 0.5% of homes here had an NFIP policy, and 13.0% of homes in the high-risk flood zone did.

NFIP claims on record159
Total paid$3.2 million
Claims with a payment134
Homes with NFIP policy0.5%
High-risk zone homes insured13.0%
Residential policies in force48

Claims by year of loss

1979: 419791980: 01981: 11982: 01983: 019831984: 11985: 01986: 01987: 019871988: 01989: 01990: 01991: 119911992: 21993: 01994: 11995: 019951996: 21997: 01998: 01999: 1919992000: 02001: 432002: 02003: 2220032004: 52005: 12006: 72007: 020072008: 12009: 02010: 122011: 520112012: 12013: 02014: 02015: 020152016: 252017: 02018: 02019: 020192020: 42021: 12022: 02023: 020232024: 143

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

1979: $5,26519791980: $01981: $4061982: $01983: $019831984: $4,3881985: $01986: $01987: $019871988: $01989: $01990: $01991: $12,77719911992: $10,8921993: $01994: $01995: $019951996: $8,9671997: $01998: $01999: $349,77819992000: $02001: $573,4142002: $02003: $438,12420032004: $29,9262005: $4152006: $26,8042007: $020072008: $12,6732009: $02010: $298,0222011: $88,33920112012: $7,1362013: $02014: $02015: $020152016: $1.2 million2017: $02018: $02019: $020192020: $45,0792021: $1,5272022: $02023: $020232024: $0$1.2 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Hurricane Matthew22
Hurricane Isabel19
Hurricane Floyd15
Hurricane Irene4
Hurricane Isaias3
Hurricane Charley3
Hurricane Dennis3
Hurricane Fran2

ZIP codes with the most claims

ZIP code (as reported)Claims
27910103
2798615
2792214
2785510
278189
279425
278052
276181

49 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $2.5 million, contents $545,790, increased cost of compliance $83,067.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone1692213.0%
All homes9,622480.5%

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.