Flood Claims Map

North Carolina

Flood insurance claims in Mecklenburg County, North Carolina

FEMA records 2,883 National Flood Insurance Program claims in Mecklenburg County, North Carolina, since 1978, with $61.6 million paid in total. The year with the most claims was 2008, with 425. As of 3 August 2026, 0.8% of homes here had an NFIP policy, and 86.0% of homes in the high-risk flood zone did.

NFIP claims on record2,883
Total paid$61.6 million
Claims with a payment2,233
Homes with NFIP policy0.8%
High-risk zone homes insured86.0%
Residential policies in force2,468

Claims by year of loss

1978: 3919781979: 541980: 91981: 101982: 12119821983: 91984: 151985: 351986: 219861987: 221988: 11989: 651990: 5919901991: 111992: 131993: 261994: 1719941995: 2541996: 181997: 3681998: 2419981999: 92000: 52001: 02002: 220022003: 2602004: 472005: 142006: 7020062007: 52008: 4252009: 1172010: 12520102011: 732012: 212013: 512014: 1520142015: 252016: 52017: 92018: 5920182019: 642020: 992021: 112022: 520222023: 72024: 1592025: 272026: 22026425

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

1978: $31,29619781979: $129,5471980: $12,9741981: $15,2621982: $358,92119821983: $13,1111984: $3,8831985: $63,9111986: $019861987: $20,9311988: $01989: $114,9921990: $98,59319901991: $27,2561992: $32,5341993: $23,2031994: $57,26619941995: $4.8 million1996: $286,5321997: $9.1 million1998: $285,33619981999: $22,5082000: $11,7802001: $02002: $020022003: $5.6 million2004: $1.1 million2005: $105,9132006: $934,66220062007: $41,5242008: $11.5 million2009: $1.6 million2010: $865,46720102011: $2.7 million2012: $218,9052013: $1.1 million2014: $74,85620142015: $174,7242016: $34,6892017: $12,5782018: $993,18820182019: $3.6 million2020: $4.2 million2021: $299,8272022: $71,62420222023: $249,7012024: $10.0 million2025: $758,8632026: $42,9422026$11.5 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Hurricane Helene76
Hurricane Eta75
Hurricane Florence48
Hurricane Hugo47
Flooding17
Hurricane Fran7
Hurricane Hanna7
Hurricane Debby6

ZIP codes with the most claims

ZIP code (as reported)Claims
28205563
28207413
28215399
28209317
28214201
28211200
28226158
2820869
2821666
2821062

2,048 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $53.2 million, contents $7.7 million, increased cost of compliance $714,353.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone1,1821,01786.0%
All homes310,8352,4680.8%

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.