Flood insurance claims in North Carolina by county
FEMA records 108,748 NFIP claims in North Carolina's counties, with $2.30 billion paid. As of 3 August 2026, 106,560 NFIP residential policies were in force, equal to 2.6% of the state's residential structures.
| Dare County | 18,950 | $230.9 million | 39.7% |
| New Hanover County | 11,183 | $187.7 million | 14.7% |
| Brunswick County | 9,879 | $99.3 million | 21.5% |
| Beaufort County | 9,462 | $131.5 million | 13.5% |
| Carteret County | 8,997 | $128.9 million | 21.5% |
| Craven County | 6,126 | $239.5 million | 11.7% |
| Pender County | 5,889 | $118.1 million | 16.1% |
| Onslow County | 4,432 | $70.7 million | 6.3% |
| Pamlico County | 4,330 | $102.8 million | 26.2% |
| Mecklenburg County | 2,883 | $61.6 million | 0.8% |
| Currituck County | 2,007 | $21.9 million | 19.2% |
| Hyde County | 1,734 | $44.8 million | 32.7% |
| Wake County | 1,642 | $31.3 million | 0.8% |
| Robeson County | 1,430 | $54.6 million | 2.6% |
| Pitt County | 1,205 | $36.3 million | 2.3% |
| Wayne County | 1,193 | $47.0 million | 1.3% |
| Buncombe County | 1,192 | $104.1 million | 1.0% |
| Lenoir County | 835 | $44.4 million | 1.5% |
| Cumberland County | 827 | $24.8 million | 1.2% |
| Edgecombe County | 795 | $28.2 million | 3.5% |
| Nash County | 735 | $33.7 million | 1.4% |
| Haywood County | 733 | $36.2 million | 2.0% |
| Columbus County | 712 | $25.0 million | 2.2% |
| Guilford County | 680 | $9.4 million | 0.4% |
| Tyrrell County | 588 | $9.0 million | 16.6% |
| Orange County | 568 | $36.4 million | 1.5% |
| Duplin County | 542 | $52.1 million | 2.6% |
| Pasquotank County | 531 | $6.5 million | 11.0% |
| Wilson County | 498 | $12.6 million | 1.3% |
| Watauga County | 463 | $16.3 million | 2.0% |
| Durham County | 443 | $11.0 million | 1.3% |
| Henderson County | 442 | $29.6 million | 1.0% |
| Forsyth County | 440 | $4.7 million | 0.4% |
| Bertie County | 423 | $13.1 million | 0.9% |
| Johnston County | 313 | $11.4 million | 0.7% |
| Avery County | 288 | $15.2 million | 1.7% |
| Camden County | 285 | $3.4 million | 13.7% |
| Chowan County | 282 | $6.2 million | 3.4% |
| Cabarrus County | 241 | $5.4 million | 0.5% |
| Catawba County | 210 | $4.9 million | 0.3% |
| Jones County | 205 | $17.0 million | 4.2% |
| Bladen County | 195 | $9.2 million | 0.9% |
| Ashe County | 183 | $7.3 million | 1.1% |
| Alamance County | 168 | $5.1 million | 0.5% |
| Perquimans County | 160 | $975,646 | 6.0% |
| Hertford County | 159 | $3.2 million | 0.5% |
| Washington County | 157 | $2.8 million | 3.5% |
| Moore County | 154 | $2.9 million | 1.3% |
| Transylvania County | 153 | $6.3 million | 1.6% |
| Sampson County | 148 | $6.1 million | 0.5% |
| Yancey County | 146 | $8.9 million | 1.6% |
| Burke County | 131 | $11.3 million | 0.3% |
| Rutherford County | 117 | $8.1 million | 0.4% |
| Harnett County | 116 | $2.5 million | 0.7% |
| McDowell County | 111 | $8.4 million | 0.7% |
| Madison County | 110 | $8.8 million | 1.0% |
| Rockingham County | 108 | $725,348 | 0.1% |
| Gaston County | 105 | $1.3 million | 0.4% |
| Davidson County | 103 | $1.7 million | 0.3% |
| Jackson County | 97 | $1.1 million | 1.2% |
| Caldwell County | 85 | $1.5 million | 0.4% |
| Greene County | 82 | $2.5 million | 0.7% |
| Union County | 81 | $1.7 million | 0.4% |
| Macon County | 79 | $2.0 million | 0.8% |
| Polk County | 79 | $4.4 million | 0.8% |
| Surry County | 72 | $1.2 million | 0.1% |
| Stanly County | 66 | $3.0 million | 0.2% |
| Randolph County | 65 | $395,181 | 0.2% |
| Rowan County | 65 | $1.1 million | 0.3% |
| Lee County | 63 | $1.1 million | 0.5% |
| Iredell County | 60 | $1.1 million | 0.2% |
| Cherokee County | 56 | $978,517 | 0.8% |
| Swain County | 56 | $1.2 million | 0.9% |
| Cleveland County | 54 | $740,447 | 0.1% |
| Halifax County | 54 | $845,611 | 0.3% |
| Mitchell County | 50 | $2.7 million | 0.6% |
| Martin County | 42 | $621,349 | 0.5% |
| Chatham County | 41 | $2.1 million | 0.7% |
| Hoke County | 39 | $615,585 | 0.5% |
| Clay County | 35 | $175,218 | 2.0% |
| Northampton County | 34 | $282,596 | 0.2% |
| Wilkes County | 34 | $1.4 million | 0.1% |
| Gates County | 26 | $334,327 | 1.1% |
| Richmond County | 25 | $318,208 | 0.2% |
| Franklin County | 23 | $279,017 | 0.3% |
| Scotland County | 20 | $560,118 | 0.4% |
| Stokes County | 18 | $246,662 | 0.1% |
| Granville County | 15 | $195,670 | 0.2% |
| Lincoln County | 15 | $246,442 | 0.2% |
| Alleghany County | 13 | $475,389 | 0.2% |
| Davie County | 12 | $146,848 | 0.3% |
| Vance County | 12 | $174,497 | 0.1% |
| Person County | 9 | $49,652 | 0.1% |
| Graham County | 7 | $14,169 | 0.8% |
| Alexander County | 6 | $41,884 | 0.1% |
| Montgomery County | 6 | $80,643 | 0.1% |
| Yadkin County | 6 | $6,153 | 0.1% |
| Anson County | 4 | $21,525 | 0.0% |
| Warren County | 4 | $0 | 0.2% |
| Caswell County | 1 | $0 | 0.0% |
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
- FEMA, OpenFEMA FIMA NFIP Redacted Claims (v2 dataset, API v3 NfipClaims), 2,725,989 claim records, retrieved 29 October 2026
- 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.