Flood insurance claims in Martin County, North Carolina

FEMA records 42 National Flood Insurance Program claims in Martin County, North Carolina, since 1978, with $621,349 paid in total. The year with the most claims was 2016, with 9. As of 3 August 2026, 0.5% of homes here had an NFIP policy, and 10.5% of homes in the high-risk flood zone did.

NFIP claims on record42

Total paid$621,349

Claims with a payment36

Homes with NFIP policy0.5%

High-risk zone homes insured10.5%

Residential policies in force77

Claims by year of loss

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

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

Named flood events with the most claims

Event (FEMA name)	Claims
Hurricane Matthew	8
Hurricane Floyd	5
Hurricane Irene	4
Hurricane Isabel	2
Hurricane Bertha	1
Hurricane Fran	1

ZIP codes with the most claims

ZIP code (as reported)	Claims
27892	20
27871	14
27857	4
27846	3
27825	1

18 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $568,585, contents $52,764, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	399	42	10.5%
All homes	16,431	77	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.