Published NFIP policy and loss records, alongside a way to check the map.
Average annual premium and federal policy fee per policy unit
$928
As of 2026-08-31. A portfolio average, not a quote for a home.
Policies in force, including condo units
128,151
Cumulative recorded losses
109,593
Net dollars paid
$2,305,523,243
Cumulative losses in the HUDEX report through August 31, 2026. Loss counts include claims closed without payment. No annual series or first loss year is stated in this report.
These are insured policy units grouped by their rated zones, not a percentage of the state’s land or homes.
NFIP rated zone groups, 2026-08-31
Rated group
Policy units
Share of insured units
All A zones combined
67,029
52.3%
All V zones combined
8,653
6.8%
Unknown or invalid rated zone
124
0.1%
X, B and C zones combined
52,345
40.8%
Largest recorded loss years
Published net claim payments from 1978 through 2026, grouped by year of loss. Dollar amounts are nominal. The 2026-09-08 OpenFEMA claims release is a separate population from the policy workbook above.
All published years and net payments
North Carolina claims history
Year of loss
Net payments
1978
$372,931
1979
$2,316,079
1980
$1,394,978
1981
$617,775
1982
$1,111,116
1983
$1,235,692
1984
$1,070,062
1985
$2,224,095
1986
$966,449
1987
$2,534,167
1988
$1,411,397
1989
$16,963,683
1990
$1,316,115
1991
$9,588,486
1992
$2,581,600
1993
$20,203,599
1994
$4,928,725
1995
$14,484,929
1996
$188,973,062
1997
$10,716,846
1998
$28,023,594
1999
$232,340,545
2000
$4,163,640
2001
$1,267,737
2002
$2,095,413
2003
$111,585,762
2004
$39,848,566
2005
$21,629,248
2006
$22,876,259
2007
$1,046,400
2008
$17,979,084
2009
$8,537,372
2010
$18,949,598
2011
$177,464,695
2012
$13,182,106
2013
$10,910,696
2014
$6,517,779
2015
$9,673,698
2016
$218,700,574
2017
$2,560,914
2018
$651,947,832
2019
$53,920,255
2020
$29,662,240
2021
$18,948,848
2022
$4,632,569
2023
$5,612,058
2024
$260,653,052
2025
$43,683,159
2026
$2,097,765
Records without payment are included in counts. Missing county records are retained in national controls and are not allocated to counties. OpenFEMA NFIP redacted claims V3.
Data and methodology
Complete official HUDEX report, summed across its community rows within each geocoded county FIPS. Policy Count includes condominium units under master policies. Average premium is Total Premium + Federal Policy Fee divided by Policy Count; this is an aggregate per policy unit, not a property quote. Loss counts include losses closed without payment. Total Net Dollars Paid is cumulative in this report, including the source's adjustments. The report does not specify the first loss year or split losses by year, so a starting year and annual breakdown are not inferred. Unassigned county records are retained in state totals separately. No record sampling.
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