Flood insurance claims in Lincoln County, North Carolina

FEMA records 15 National Flood Insurance Program claims in Lincoln County, North Carolina, since 2008, with $246,442 paid in total. The most claims in one year was 5, in 2013 and 2020. As of 3 August 2026, 0.2% of homes here had an NFIP policy, and 15.3% of homes in the high-risk flood zone did.

NFIP claims on record15

Total paid$246,442

Claims with a payment12

Homes with NFIP policy0.2%

High-risk zone homes insured15.3%

Residential policies in force93

Claims by year of loss

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

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

Named flood events with the most claims

Event (FEMA name)	Claims
Hurricane Eta	1
Hurricane Helene	1

ZIP codes with the most claims

ZIP code (as reported)	Claims
28037	6
28092	4
28168	3
28650	1
28080	1

4 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $233,881, contents $12,561, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	144	22	15.3%
All homes	40,255	93	0.2%

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.