Flood Claims Map

North Carolina

Flood insurance claims in Jackson County, North Carolina

FEMA records 97 National Flood Insurance Program claims in Jackson County, North Carolina, since 1990, with $1.1 million paid in total. The year with the most claims was 2024, with 32. As of 3 August 2026, 1.2% of homes here had an NFIP policy, and 18.4% of homes in the high-risk flood zone did.

NFIP claims on record97
Total paid$1.1 million
Claims with a payment56
Homes with NFIP policy1.2%
High-risk zone homes insured18.4%
Residential policies in force264

Claims by year of loss

1990: 119901991: 31992: 11993: 019931994: 11995: 11996: 319961997: 01998: 51999: 019992000: 02001: 02002: 020022003: 12004: 162005: 120052006: 02007: 02008: 120082009: 12010: 02011: 020112012: 32013: 72014: 120142015: 22016: 02017: 120172018: 12019: 22020: 320202021: 72022: 22023: 020232024: 322025: 132

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

1990: $019901991: $2,4161992: $01993: $019931994: $01995: $01996: $019961997: $01998: $8,2051999: $019992000: $02001: $02002: $020022003: $02004: $592,4502005: $10,36220052006: $02007: $02008: $020082009: $9,0762010: $02011: $020112012: $6,1652013: $91,7412014: $020142015: $58,8562016: $02017: $4,30020172018: $21,3782019: $3,3832020: $020202021: $8,5022022: $4,8502023: $020232024: $290,7192025: $0$592,450

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

Named flood events with the most claims

Event (FEMA name)Claims
Hurricane Helene31
Tropical Storm Ivan11
Hurricane Zeta1
Hurricane Sandy1
Hurricane Fran1

ZIP codes with the most claims

ZIP code (as reported)Claims
2877938
2872328
287258
287746
287835
287174
287342
287892
287192
287361

74 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $884,852, contents $182,551, increased cost of compliance $45,000.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone93417218.4%
All homes21,2682641.2%

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.