Flood Claims Map

North Carolina

Flood insurance claims in Onslow County, North Carolina

FEMA records 4,432 National Flood Insurance Program claims in Onslow County, North Carolina, since 1979, with $70.7 million paid in total. The year with the most claims was 1996, with 1,445. As of 3 August 2026, 6.3% of homes here had an NFIP policy, and 73.4% of homes in the high-risk flood zone did.

NFIP claims on record4,432
Total paid$70.7 million
Claims with a payment3,097
Homes with NFIP policy6.3%
High-risk zone homes insured73.4%
Residential policies in force4,401

Claims by year of loss

1979: 219791980: 11981: 01982: 11983: 519831984: 11985: 41986: 181987: 1919871988: 31989: 81990: 11991: 019911992: 61993: 771994: 41995: 819951996: 1,4451997: 01998: 2541999: 89619992000: 92001: 312002: 362003: 1820032004: 182005: 2142006: 222007: 1320072008: 112009: 102010: 662011: 5820112012: 312013: 32014: 372015: 3720152016: 372017: 12018: 9782019: 420192020: 142021: 22022: 62023: 1320232024: 72025: 31,445

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

1979: $1,31619791980: $01981: $01982: $01983: $019831984: $01985: $01986: $31,7781987: $36,70119871988: $29,2781989: $19,8681990: $01991: $019911992: $14,1401993: $252,5561994: $3,4871995: $308,50019951996: $19.6 million1997: $01998: $923,2421999: $8.3 million19992000: $46,8502001: $145,7382002: $87,4612003: $38,18620032004: $16,8982005: $3.9 million2006: $505,2262007: $384,57520072008: $929,9392009: $168,2692010: $1.2 million2011: $749,15220112012: $334,5432013: $3,9902014: $714,9952015: $327,02320152016: $325,0192017: $02018: $30.7 million2019: $2,43920192020: $99,1922021: $15,8692022: $56,6272023: $341,20720232024: $45,2202025: $0$30.7 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Hurricane Fran1,048
Hurricane Florence966
Hurricane Floyd868
Hurricane Bertha374
Hurricane Bonnie232
Hurricane Ophelia163
Hurricane Irene45
Hurricane Matthew28

ZIP codes with the most claims

ZIP code (as reported)Claims
284602,224
284451,151
28540381
28546175
28584174
28539152
2857462
2855517
2851810
2858210

3,819 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $60.4 million, contents $10.1 million, increased cost of compliance $186,286.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone3,4912,56273.4%
All homes69,8074,4016.3%

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.