Flood Claims Map

North Carolina

Flood insurance claims in Pamlico County, North Carolina

FEMA records 4,330 National Flood Insurance Program claims in Pamlico County, North Carolina, since 1982, with $102.8 million paid in total. The year with the most claims was 2011, with 1,332. As of 3 August 2026, 26.2% of homes here had an NFIP policy, and 62.9% of homes in the high-risk flood zone did.

NFIP claims on record4,330
Total paid$102.8 million
Claims with a payment3,942
Homes with NFIP policy26.2%
High-risk zone homes insured62.9%
Residential policies in force1,805

Claims by year of loss

1982: 819821983: 141984: 11985: 31986: 019861987: 01988: 31989: 01990: 019901991: 11992: 11993: 11994: 019941995: 01996: 901997: 01998: 2619981999: 4712000: 12001: 12002: 320022003: 9222004: 172005: 922006: 820062007: 22008: 02009: 32010: 320102011: 1,3322012: 22013: 02014: 220142015: 142016: 22017: 02018: 1,29120182019: 112020: 02021: 12022: 020222023: 22024: 12025: 11,332

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

1982: $33,26719821983: $17,3401984: $01985: $01986: $019861987: $01988: $2091989: $01990: $019901991: $1,1821992: $01993: $24,1141994: $019941995: $01996: $304,5991997: $01998: $49,70319981999: $3.9 million2000: $02001: $15,0002002: $16,26220022003: $14.3 million2004: $185,8882005: $879,5572006: $24,09320062007: $16,4732008: $02009: $2,2712010: $8,29920102011: $43.6 million2012: $02013: $02014: $13,30420142015: $399,0642016: $4,4312017: $02018: $38.5 million20182019: $526,6992020: $02021: $02022: $020222023: $18,3052024: $02025: $8,242$43.6 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Hurricane Irene1,325
Hurricane Florence1,274
Hurricane Isabel897
Hurricane Dennis391
Hurricane Fran86
Hurricane Floyd73
Hurricane Ophelia55
Hurricane Bonnie23

ZIP codes with the most claims

ZIP code (as reported)Claims
285712,177
28556680
28515507
28510277
28587229
28537155
28552132
2852985
2858330
2856029

3,824 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $80.8 million, contents $13.8 million, increased cost of compliance $8.2 million.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone2,0901,31462.9%
All homes6,8891,80526.2%

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.