Flood Claims Map

North Carolina

Flood insurance claims in Pender County, North Carolina

FEMA records 5,889 National Flood Insurance Program claims in Pender County, North Carolina, since 1978, with $118.1 million paid in total. The year with the most claims was 1996, with 2,067. As of 3 August 2026, 16.1% of homes here had an NFIP policy, and 67.6% of homes in the high-risk flood zone did.

NFIP claims on record5,889
Total paid$118.1 million
Claims with a payment4,183
Homes with NFIP policy16.1%
High-risk zone homes insured67.6%
Residential policies in force4,933

Claims by year of loss

1978: 319781979: 91980: 11981: 161982: 019821983: 271984: 101985: 391986: 8219861987: 831988: 31989: 171990: 119901991: 01992: 81993: 1521994: 119941995: 91996: 2,0671997: 01998: 37119981999: 1,2132000: 32001: 42002: 120022003: 132004: 202005: 722006: 4620062007: 12008: 12009: 32010: 3820102011: 102012: 22013: 02014: 720142015: 362016: 1392017: 32018: 1,33020182019: 42020: 72021: 42022: 1320222023: 32024: 152025: 12026: 120262,067

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

1978: $1,18019781979: $12,4941980: $2001981: $159,9241982: $019821983: $12,2031984: $192,9501985: $192,3001986: $437,83819861987: $126,6721988: $154,8541989: $16,3181990: $94019901991: $01992: $27,9531993: $224,5991994: $1,15619941995: $99,1281996: $29.2 million1997: $01998: $713,00819981999: $14.2 million2000: $7,3812001: $2,6582002: $84420022003: $16,1072004: $14,2132005: $257,7092006: $375,59120062007: $02008: $02009: $872010: $453,69120102011: $02012: $02013: $02014: $53,17920142015: $651,3772016: $3.8 million2017: $45,0312018: $66.2 million20182019: $6,9622020: $72,6762021: $17,8942022: $175,80720222023: $1,4072024: $186,7282025: $7162026: $02026$66.2 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Hurricane Fran1,681
Hurricane Florence1,315
Hurricane Floyd1,189
Hurricane Bertha366
Hurricane Bonnie356
Hurricane Matthew128
Flooding79
Hurricane Ophelia47

ZIP codes with the most claims

ZIP code (as reported)Claims
284454,374
28425574
28443397
28435129
28457128
2842147
2845446
2841138
2846031
2847824

4,811 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $98.2 million, contents $19.2 million, increased cost of compliance $677,287.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone5,1843,50567.6%
All homes30,7244,93316.1%

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.