Updated April 2026
Flood Risk in North Carolina
North Carolina has 101 counties with flood risk data, 1.6K total NFIP flood insurance claims, and an average risk score of 15 out of 100.
101
Counties
1.6K
NFIP Claims
$63,796,141
Total Payouts
15
Avg Risk Score
Grade Distribution
A
91
counties
B
10
counties
C
0
counties
D
0
counties
F
0
counties
Safest in North Carolina
| County | Grade | Score |
|---|---|---|
| Wake | A | 9 |
| Cumberland | A | 11 |
| Wilson | A | 11 |
| Alexander | A | 11 |
| Cherokee | A | 11 |
All 101 Counties in North Carolina
Sorted by flood risk score, highest to lowest.
| # | County | Grade | Score | Claims | Payouts | Disasters |
|---|---|---|---|---|---|---|
| 1 | Carteret | B | 29 | 137 | $4,228,876 | 23 |
| 2 | Craven | B | 29 | 147 | $10,824,313 | 23 |
| 3 | Hyde | B | 28 | 31 | $1,887,298 | 24 |
| 4 | Pamlico | B | 28 | 66 | $2,160,906 | 23 |
| 5 | Pender | B | 28 | 74 | $3,665,222 | 23 |
| 6 | Columbus | B | 27 | 28 | $1,182,015 | 22 |
| 7 | Pitt | B | 26 | 9 | $144,965 | 20 |
| 8 | Currituck | B | 24 | 49 | $535,864 | 17 |
| 9 | Orange | B | 22 | 16 | $1,235,607 | 12 |
| 10 | NASH | B | 21 | 7 | $196,834 | 14 |
| 11 | Brunswick | A | 20 | 158 | $3,093,964 | 25 |
| 12 | Onslow | A | 20 | 42 | $1,127,306 | 22 |
| 13 | Buncombe | A | 19 | 36 | $4,097,468 | 12 |
| 14 | Jones | A | 19 | 6 | $394,580 | 21 |
| 15 | Mecklenburg | A | 19 | 23 | $1,589,016 | 7 |
| 16 | Chowan | A | 18 | 1 | $9,154 | 19 |
| 17 | Bladen | A | 18 | 3 | $142,154 | 19 |
| 18 | Duplin | A | 18 | 23 | $2,439,386 | 19 |
| 19 | Greene | A | 18 | 3 | $40,079 | 19 |
| 20 | Bertie | A | 17 | 10 | $392,883 | 18 |
| 21 | Robeson | A | 17 | 58 | $1,960,658 | 15 |
| 22 | Sampson | A | 17 | 4 | $67,732 | 17 |
| 23 | Tyrrell | A | 17 | 10 | $158,109 | 17 |
| 24 | Wayne | A | 17 | 31 | $1,252,008 | 17 |
| 25 | Ashe | A | 16 | 3 | $96,373 | 15 |
| 26 | Hertford | A | 16 | 1 | $22,850 | 16 |
| 27 | Camden | A | 16 | 8 | $122,121 | 16 |
| 28 | Pasquotank | A | 16 | 5 | $26,846 | 16 |
| 29 | Perquimans | A | 16 | 1 | $32,500 | 16 |
| 30 | Washington | A | 16 | 3 | $24,487 | 16 |
| 31 | Johnston | A | 16 | 7 | $426,099 | 15 |
| 32 | Edgecombe | A | 16 | 21 | $942,197 | 15 |
| 33 | Halifax | A | 16 | 1 | $0 | 15 |
| 34 | Martin | A | 16 | 1 | $19,141 | 16 |
| 35 | Northampton | A | 16 | 0 | $0 | 15 |
| 36 | Avery | A | 15 | 8 | $472,680 | 13 |
| 37 | Watauga | A | 15 | 13 | $431,962 | 14 |
| 38 | Lenoir | A | 15 | 22 | $1,086,959 | 20 |
| 39 | New Hanover | A | 15 | 105 | $2,413,545 | 23 |
| 40 | Dare | A | 15 | 163 | $3,503,457 | 22 |
| 41 | Hoke | A | 15 | 1 | $0 | 13 |
| 42 | Davidson | A | 15 | 3 | $155,652 | 14 |
| 43 | Montgomery | A | 15 | 1 | $7,474 | 13 |
| 44 | Durham | A | 15 | 10 | $524,415 | 11 |
| 45 | Anson | A | 15 | 0 | $0 | 13 |
| 46 | Gates | A | 15 | 1 | $8,074 | 14 |
| 47 | Madison | A | 14 | 2 | $460,432 | 12 |
| 48 | Yancey | A | 14 | 4 | $415,290 | 12 |
| 49 | Haywood | A | 14 | 21 | $1,460,073 | 11 |
| 50 | Alamance | A | 14 | 3 | $96,135 | 12 |
| 51 | Chatham | A | 14 | 1 | $15,622 | 12 |
| 52 | Granville | A | 14 | 0 | $0 | 12 |
| 53 | Person | A | 14 | 0 | $0 | 12 |
| 54 | Randolph | A | 14 | 0 | $0 | 12 |
| 55 | Vance | A | 14 | 2 | $19,827 | 12 |
| 56 | Harnett | A | 14 | 5 | $142,255 | 12 |
| 57 | Richmond | A | 14 | 0 | $0 | 12 |
| 58 | Scotland | A | 14 | 0 | $0 | 12 |
| 59 | Warren | A | 14 | 0 | $0 | 12 |
| 60 | Eastern Band of Cherokee Indians | A | 14 | 0 | $0 | 12 |
| 61 | Jackson | A | 13 | 3 | $27,378 | 11 |
| 62 | Mitchell | A | 13 | 0 | $0 | 11 |
| 63 | Beaufort | A | 13 | 72 | $1,581,602 | 22 |
| 64 | Caswell | A | 13 | 0 | $0 | 11 |
| 65 | Forsyth | A | 13 | 3 | $15,665 | 11 |
| 66 | McDowell | A | 13 | 1 | $15,404 | 11 |
| 67 | Rockingham | A | 13 | 1 | $39,640 | 11 |
| 68 | Stokes | A | 13 | 1 | $0 | 11 |
| 69 | Alleghany | A | 13 | 0 | $0 | 10 |
| 70 | Polk | A | 13 | 4 | $492,583 | 11 |
| 71 | Stanly | A | 13 | 2 | $89,757 | 10 |
| 72 | Guilford | A | 13 | 10 | $98,298 | 12 |
| 73 | Lee | A | 13 | 1 | $20,240 | 11 |
| 74 | Moore | A | 13 | 4 | $26,347 | 11 |
| 75 | Union | A | 13 | 1 | $0 | 10 |
| 76 | Franklin | A | 13 | 0 | $0 | 11 |
| 77 | Wilkes | A | 13 | 1 | $30,000 | 11 |
| 78 | Burke | A | 13 | 6 | $446,994 | 10 |
| 79 | Caldwell | A | 13 | 4 | $139,786 | 10 |
| 80 | Macon | A | 13 | 2 | $133,604 | 10 |
| 81 | Graham | A | 12 | 0 | $0 | 8 |
| 82 | Transylvania | A | 12 | 4 | $889,385 | 9 |
| 83 | Davie | A | 12 | 0 | $0 | 8 |
| 84 | Iredell | A | 12 | 2 | $24,762 | 9 |
| 85 | Surry | A | 12 | 0 | $0 | 9 |
| 86 | Yadkin | A | 12 | 0 | $0 | 8 |
| 87 | Cabarrus | A | 12 | 0 | $0 | 8 |
| 88 | Rowan | A | 12 | 2 | $8,801 | 9 |
| 89 | Catawba | A | 12 | 4 | $58,639 | 9 |
| 90 | Lincoln | A | 12 | 0 | $0 | 8 |
| 91 | Henderson | A | 12 | 13 | $1,283,360 | 9 |
| 92 | Rutherford | A | 12 | 3 | $690,828 | 9 |
| 93 | Cumberland | A | 11 | 33 | $1,384,908 | 15 |
| 94 | Wilson | A | 11 | 7 | $99,364 | 15 |
| 95 | Alexander | A | 11 | 0 | $0 | 7 |
| 96 | Cherokee | A | 11 | 2 | $2,899 | 6 |
| 97 | Clay | A | 11 | 0 | $0 | 7 |
| 98 | Cleveland | A | 11 | 2 | $2,601 | 7 |
| 99 | Gaston | A | 11 | 5 | $113,514 | 7 |
| 100 | Swain | A | 11 | 2 | $92,070 | 7 |
| 101 | Wake | A | 9 | 15 | $234,849 | 11 |