Flood Claims Map

North Carolina

Flood insurance claims in Wayne County, North Carolina

FEMA records 1,193 National Flood Insurance Program claims in Wayne County, North Carolina, since 1978, with $47.0 million paid in total. The year with the most claims was 2016, with 456. As of 3 August 2026, 1.3% of homes here had an NFIP policy, and 15.6% of homes in the high-risk flood zone did.

NFIP claims on record1,193
Total paid$47.0 million
Claims with a payment1,002
Homes with NFIP policy1.3%
High-risk zone homes insured15.6%
Residential policies in force848

Claims by year of loss

1978: 119781979: 41980: 11981: 11982: 919821983: 01984: 01985: 01986: 019861987: 21988: 01989: 11990: 019901991: 11992: 131993: 01994: 019941995: 11996: 711997: 11998: 1619981999: 3942000: 32001: 62002: 020022003: 22004: 12005: 72006: 1020062007: 02008: 12009: 02010: 020102011: 12012: 02013: 02014: 020142015: 02016: 4562017: 52018: 16120182019: 02020: 92021: 32022: 220222023: 42024: 42025: 02026: 22026456

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

1978: $019781979: $29,9651980: $5151981: $2,1021982: $48,01919821983: $01984: $01985: $01986: $019861987: $2,7921988: $01989: $01990: $019901991: $1101992: $160,8161993: $01994: $019941995: $01996: $832,7811997: $01998: $67,24319981999: $10.6 million2000: $1342001: $31,7052002: $020022003: $1,5412004: $02005: $52,4132006: $65,43320062007: $02008: $02009: $02010: $020102011: $02012: $02013: $02014: $020142015: $02016: $30.0 million2017: $19,0522018: $4.6 million20182019: $02020: $300,1472021: $9,8222022: $11,49920222023: $206,5532024: $30,0792025: $02026: $2,5952026$30.0 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Hurricane Matthew452
Hurricane Floyd370
Hurricane Florence152
Hurricane Fran68
Hurricane Eta8
Hurricane Dennis5
Tropical Storm Ernesto4
Hurricane Michael3

ZIP codes with the most claims

ZIP code (as reported)Claims
27530840
27534179
2857856
2833339
2836527
2855119
2756915
278638
278304
275334

866 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $39.5 million, contents $7.1 million, increased cost of compliance $452,917.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone2,67641815.6%
All homes66,3518481.3%

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.