Flood Claims Map

North Carolina

Flood insurance claims in Washington County, North Carolina

FEMA records 157 National Flood Insurance Program claims in Washington County, North Carolina, since 1993, with $2.8 million paid in total. The year with the most claims was 2003, with 52. As of 3 August 2026, 3.5% of homes here had an NFIP policy, and 22.7% of homes in the high-risk flood zone did.

NFIP claims on record157
Total paid$2.8 million
Claims with a payment123
Homes with NFIP policy3.5%
High-risk zone homes insured22.7%
Residential policies in force199

Claims by year of loss

1993: 119931994: 01995: 01996: 319961997: 01998: 41999: 619992000: 12001: 02002: 120022003: 522004: 12005: 120052006: 02007: 02008: 020082009: 32010: 52011: 3820112012: 12013: 02014: 220142015: 02016: 292017: 020172018: 22019: 22020: 020202021: 02022: 32023: 120232024: 02025: 02026: 1202652

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

1993: $96419931994: $01995: $01996: $17,21119961997: $01998: $9,6061999: $51,19619992000: $02001: $02002: $020022003: $799,1292004: $30,0002005: $6,38820052006: $02007: $02008: $020082009: $1,9102010: $239,9912011: $509,04720112012: $02013: $02014: $8,27020142015: $02016: $1.0 million2017: $020172018: $4,1242019: $35,7622020: $020202021: $02022: $10,0172023: $19,76520232024: $02025: $02026: $16,2312026$1.0 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Hurricane Isabel51
Hurricane Irene38
Hurricane Matthew28
Hurricane Bonnie4
Hurricane Floyd4
Hurricane Dennis2
Hurricane Fran2
Hurricane Ian1

ZIP codes with the most claims

ZIP code (as reported)Claims
2796269
2797066
2792819
278891
279831
279251

126 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $2.4 million, contents $294,505, increased cost of compliance $116,500.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone54312322.7%
All homes5,7681993.5%

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.