Flood Claims Map

North Carolina

Flood insurance claims in Rowan County, North Carolina

FEMA records 65 National Flood Insurance Program claims in Rowan County, North Carolina, since 1981, with $1.1 million paid in total. The year with the most claims was 2018, with 14. As of 3 August 2026, 0.3% of homes here had an NFIP policy, and 30.9% of homes in the high-risk flood zone did.

NFIP claims on record65
Total paid$1.1 million
Claims with a payment47
Homes with NFIP policy0.3%
High-risk zone homes insured30.9%
Residential policies in force188

Claims by year of loss

1981: 219811982: 21983: 11984: 01985: 119851986: 01987: 11988: 01989: 019891990: 01991: 01992: 01993: 019931994: 01995: 31996: 11997: 019971998: 01999: 02000: 02001: 120012002: 02003: 42004: 12005: 320052006: 12007: 02008: 72009: 220092010: 72011: 12012: 02013: 120132014: 02015: 02016: 12017: 020172018: 142019: 02020: 1114

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

1981: $019811982: $2,7441983: $01984: $01985: $019851986: $01987: $01988: $01989: $019891990: $01991: $01992: $01993: $019931994: $01995: $1,4501996: $29,0291997: $019971998: $01999: $02000: $02001: $3,35120012002: $02003: $48,6502004: $13,6722005: $42,23420052006: $02007: $02008: $217,8762009: $4,33620092010: $42,9862011: $2,2232012: $02013: $020132014: $02015: $02016: $02017: $020172018: $146,1662019: $02020: $590,243$590,243

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

Named flood events with the most claims

Event (FEMA name)Claims
Hurricane Florence5
Hurricane Eta4
Hurricane Cindy3
Hurricane Michael3
Hurricane Fran1

ZIP codes with the most claims

ZIP code (as reported)Claims
2814432
2814613
281479
281592
280832
270541
284451
281381
281371
280231

24 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $1.0 million, contents $113,103, increased cost of compliance $30,000.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone42413130.9%
All homes56,3291880.3%

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.