Flood Claims Map

North Carolina

Flood insurance claims in New Hanover County, North Carolina

FEMA records 11,183 National Flood Insurance Program claims in New Hanover County, North Carolina, since 1978, with $187.7 million paid in total. The year with the most claims was 1996, with 3,783. As of 3 August 2026, 14.7% of homes here had an NFIP policy, and 74.8% of homes in the high-risk flood zone did.

NFIP claims on record11,183
Total paid$187.7 million
Claims with a payment8,285
Homes with NFIP policy14.7%
High-risk zone homes insured74.8%
Residential policies in force12,808

Claims by year of loss

1978: 219781979: 191980: 171981: 241982: 919821983: 121984: 2221985: 171986: 3419861987: 1381988: 191989: 221990: 1219901991: 491992: 161993: 381994: 1019941995: 181996: 3,7831997: 61998: 1,40119981999: 2,3942000: 222001: 62002: 1220022003: 152004: 602005: 1932006: 3420062007: 12008: 202009: 132010: 6020102011: 792012: 52013: 62014: 820142015: 1352016: 342017: 42018: 1,63520182019: 272020: 562021: 322022: 2620222023: 72024: 4262025: 42026: 120263,783

NFIP claims by year of loss, New Hanover County, North Carolina

1978: $57519781979: $13,1941980: $193,3051981: $48,1871982: $7,27819821983: $10,9221984: $331,1451985: $16,5571986: $57,43519861987: $447,1301988: $17,5241989: $44,3841990: $191,41819901991: $117,3921992: $28,8541993: $93,0721994: $15,97019941995: $128,4251996: $86.5 million1997: $46,7181998: $9.8 million19981999: $31.1 million2000: $140,4592001: $8,4352002: $11,59520022003: $41,5682004: $210,0762005: $1.6 million2006: $313,44220062007: $02008: $279,7902009: $119,8072010: $710,37320102011: $521,8542012: $2,6772013: $15,1652014: $14,01120142015: $2.0 million2016: $244,4102017: $4,6122018: $34.4 million20182019: $505,9952020: $691,1742021: $938,0722022: $456,28020222023: $7852024: $15.2 million2025: $29,8992026: $02026$86.5 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Hurricane Fran3,529
Hurricane Floyd2,313
Hurricane Florence1,596
Hurricane Bonnie1,341
Tropical Cyclone Eight384
Hurricane Bertha226
Hurricane Diana221
Flooding124

ZIP codes with the most claims

ZIP code (as reported)Claims
284803,557
284283,039
284091,333
284111,015
28449803
28403430
28405374
28412238
28401170
2842991

9,121 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $161.6 million, contents $25.7 million, increased cost of compliance $413,976.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone9,4847,09374.8%
All homes87,14512,80814.7%

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.