North Carolina Home-Insurance Distress by County

North Carolina reads among the most severe in the country for home-insurance distress — 100 counties averaging 78/100, 3rd of 52 states.

81 of North Carolina's 100 counties score 70 or higher (severe).

North Carolina's reading rests on a FEMA hazard average of 89/100 and NFIP flood-claim stress of 65/100.

Over three years North Carolina counties filed 4,158 NFIP flood claims, $306,433,977 paid.

Highest in North Carolina: Brunswick County 97/100 (#20 US), Mecklenburg County 95/100 (#31 US), Transylvania County 95/100 (#34 US), Polk County 95/100 (#41 US), New Hanover County 95/100 (#43 US).

North Carolina counties by insurance band: 58 high (North Carolina), 42 medium; North Carolina NFIP claims, three years: 4,158; North Carolina payouts $306.4 million.

North Carolina counties with the most NFIP claims: Buncombe 508 ($81.6 million); New Hanover 431 ($15.2 million); Dare 400 ($11.4 million) in North Carolina; Brunswick 306 ($13.6 million); Haywood 281 ($17.1 million).

North Carolina county average fell: 78.2 in March 2026; North Carolina reads 72.7 in October 2026; North Carolina by month: March 78.2, April 78.2, May 76.7 (North Carolina), June 76.7, July 73.9, August 76.1 (North Carolina), September 73.6, October 72.7.

Highest North Carolina ZIPs, insurance distress: 33950 81 (climate 94), 33955 81 (climate 94) in North Carolina, 33983 81 (climate 94), 33982 81 (climate 94) in North Carolina, 33954 81 (climate 94), 33947 81 (climate 94) in North Carolina.

Reading the North Carolina bands: 58 of 100 North Carolina counties sit in a high or worse insurance band; North Carolina filed 4,158 NFIP claims in three years, $306.4 million paid to North Carolina policyholders; a North Carolina county's band moves when FEMA hazard revisions, new North Carolina NFIP settlements or carrier filings change its monthly score.