Flood insurance claims in Jones County, North Carolina

FEMA records 205 National Flood Insurance Program claims in Jones County, North Carolina, since 1996, with $17.0 million paid in total. The year with the most claims was 2018, with 101. As of 3 August 2026, 4.2% of homes here had an NFIP policy, and 28.5% of homes in the high-risk flood zone did.

NFIP claims on record205

Total paid$17.0 million

Claims with a payment183

Homes with NFIP policy4.2%

High-risk zone homes insured28.5%

Residential policies in force205

Claims by year of loss

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

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

Named flood events with the most claims

Event (FEMA name)	Claims
Hurricane Florence	101
Hurricane Floyd	34
Hurricane Matthew	17
Tropical Storm Ernesto	5
Hurricane Fran	3
Hurricane Irene	2

ZIP codes with the most claims

ZIP code (as reported)	Claims
28585	95
28573	90
28501	8
28555	7
28562	5

131 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $13.9 million, contents $3.0 million, increased cost of compliance $159,440.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	207	59	28.5%
All homes	4,872	205	4.2%

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

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.