Flood Claims Map

North Carolina

Flood insurance claims in Northampton County, North Carolina

FEMA records 34 National Flood Insurance Program claims in Northampton County, North Carolina, since 1994, with $282,596 paid in total. The year with the most claims was 1999, with 10. As of 3 August 2026, 0.2% of homes here had an NFIP policy, and 7.8% of homes in the high-risk flood zone did.

NFIP claims on record34
Total paid$282,596
Claims with a payment28
Homes with NFIP policy0.2%
High-risk zone homes insured7.8%
Residential policies in force27

Claims by year of loss

1994: 119941995: 01996: 319961997: 01998: 219981999: 102000: 020002001: 02002: 020022003: 42004: 020042005: 02006: 220062007: 02008: 020082009: 02010: 020102011: 52012: 020122013: 22014: 020142015: 02016: 5201610

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

1994: $51219941995: $01996: $59,56019961997: $01998: $13,03819981999: $65,3902000: $020002001: $02002: $020022003: $30,0632004: $020042005: $02006: $1,48420062007: $02008: $020082009: $02010: $020102011: $47,9112012: $020122013: $23,3812014: $020142015: $02016: $41,2572016$65,390

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

Named flood events with the most claims

Event (FEMA name)Claims
Hurricane Floyd8
Hurricane Irene5
Hurricane Matthew4
Hurricane Isabel4
Hurricane Dennis2
Hurricane Fran2
Tropical Storm Ernesto1
Hurricane Bertha1

ZIP codes with the most claims

ZIP code (as reported)Claims
278326
278776
278205
278424
278313
278693
278453
278972
278621
278481

18 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $246,634, contents $35,961, increased cost of compliance $0.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone7767.8%
All homes10,957270.2%

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

  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.