Flood insurance claims in Hoke County, North Carolina

FEMA records 39 National Flood Insurance Program claims in Hoke County, North Carolina, since 1985, with $615,585 paid in total. The most claims in one year was 12, in 2016 and 2018. As of 3 August 2026, 0.5% of homes here had an NFIP policy, and 41.7% of homes in the high-risk flood zone did.

NFIP claims on record39

Total paid$615,585

Claims with a payment21

Homes with NFIP policy0.5%

High-risk zone homes insured41.7%

Residential policies in force103

Claims by year of loss

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

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

Named flood events with the most claims

Event (FEMA name)	Claims
Hurricane Florence	11
Hurricane Matthew	9
Hurricane Bonnie	1
Hurricane Floyd	1
Hurricane Hanna	1
Hurricane Fran	1

ZIP codes with the most claims

ZIP code (as reported)	Claims
28376	29
28357	4
28315	3
28377	2
28386	1

15 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $581,776, contents $33,809, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	36	15	41.7%
All homes	19,063	103	0.5%

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

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.