Flood insurance claims in Transylvania County, North Carolina

FEMA records 153 National Flood Insurance Program claims in Transylvania County, North Carolina, since 1979, with $6.3 million paid in total. The year with the most claims was 2024, with 62. As of 3 August 2026, 1.6% of homes here had an NFIP policy, and 28.4% of homes in the high-risk flood zone did.

NFIP claims on record153

Total paid$6.3 million

Claims with a payment112

Homes with NFIP policy1.6%

High-risk zone homes insured28.4%

Residential policies in force284

Claims by year of loss

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

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

Named flood events with the most claims

Event (FEMA name)	Claims
Hurricane Helene	60
Tropical Storm Fred	9
Tropical Storm Ivan	3

ZIP codes with the most claims

ZIP code (as reported)	Claims
28712	61
28768	42
28772	37
28718	4
28766	3
28721	2
28739	2
28747	1
28708	1

109 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $5.5 million, contents $764,436, increased cost of compliance $50,059.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	517	147	28.4%
All homes	17,776	284	1.6%

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

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.