Enter any address in Bertie County, North Carolina to see its FEMA flood zone
Flash flooding from slow-moving thunderstorms is the dominant flood character in Bertie County. Over the last 30 years, NOAA Storm Events data shows 24 flash flood events, more than any other flood type. Recent examples include flash flooding in July 2025 due to a stationary front, and in September 2024 from the remnants of Tropical Cyclone Helene and Tropical Cyclone Debby.
NFIP claims data indicates that properties in Zone A have experienced the most claims, with an average payout of $36,412 and an average water depth of 3.9 feet. Properties in Zone X_SHADED have also seen significant payouts, averaging $45,279 with 2.2 feet of water. Homeowners in Zone A, Zone X_SHADED, and those without a defined Base Flood Elevation (BFE) should pay the most attention to flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
12 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Bertie County, North Carolina has recorded 47 flood-related events since 1996 according to NOAA's Storm Events Database, including 24 flash floods and 8 river or area floods. The county has received 28 federal disaster declarations. Enter any address above to check its FEMA flood zone designation.
FEMA Disaster Declarations (1968–2026)
Source: OpenFEMA Disaster Declarations Summaries.
| Declaration | Type | Date |
|---|---|---|
| Severe Winter Storm | Winter Storm | Jan 21, 2026 |
| Hurricane Helene | Tropical Storm | Sep 25, 2024 |
| Tropical Storm Debby | Tropical Storm | Aug 5, 2024 |
| Hurricane Ian | Hurricane | Sep 28, 2022 |
| Hurricane Isaias | Hurricane | Jul 31, 2020 |
| Covid-19 | Biological | Jan 20, 2020 |
| Covid-19 Pandemic | Biological | Jan 20, 2020 |
| Hurricane Dorian | Hurricane | Sep 1, 2019 |
| Hurricane Florence | Hurricane | Sep 7, 2018 |
| Hurricane Matthew | Hurricane | Oct 4, 2016 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flash Flood | Jul 2, 2025 | 0.00K |
| Flash Flood | Sep 30, 2024 | 0.00K |
| Flash Flood | Sep 27, 2024 | 0.00K |
| Flash Flood | Aug 8, 2024 | 0.00K |
| Flash Flood | Aug 28, 2023 | 0.00K |
| Tropical Storm | Sep 23, 2023 | 0.00K |
| Flash Flood | Jun 21, 2023 | 0.00K |
| Tropical Storm | Jul 8, 2021 | 15.00K |
| Flash Flood | Aug 15, 2020 | 0.00K |
| Flood | Nov 12, 2020 | 0.00K |
Flash Flood — Jul 2, 2025
A stationary front was draped across the Mid-Atlantic early on July 2. In the afternoon, the front slowly advanced southward, serving as a focus for showers and storms across northeast North Carolina through the day. Storms were slow-moving, had high rain rates, and trained over locations for an extended duration. This led to scattered instances of flash flooding.
Flash Flood — Sep 30, 2024
Scattered thunderstorms near a frontal boundary produced heavy rain which caused flash flooding across portions of northeast North Carolina.
Flash Flood — Sep 27, 2024
The combination of moisture from Tropical Cyclone Helene overrunning a frontal boundary produced heavy rain which caused flash flooding across portions of northeast North Carolina.
Flash Flood — Aug 8, 2024
Tropical Cyclone Debby tracking northward from the Carolinas across western Virginia produced heavy rain which caused flash flooding across portions of northeast North Carolina.
Flash Flood — Aug 28, 2023
Scattered thunderstorms near a frontal boundary produced heavy rain which caused flash flooding across portions of northeast North Carolina.
Source: NOAA National Weather Service Storm Events Database.
Source: OpenFEMA NFIP Individual Claims (2.25M records analyzed).
FEMA assigns flood zone designations to areas in Bertie County, North Carolina:
AE High Risk — 1% annual chance of flooding. Insurance required.
VE Very High Risk — Coastal flooding with wave action.
X (Shaded) Moderate Risk — 500-year floodplain.
X Low Risk — Outside major floodplains.
Properties in Bertie County, North Carolina that are in FEMA-designated Special Flood Hazard Areas (zones A and V) with federally backed mortgages are required to carry flood insurance.
Even outside high-risk zones, flood insurance is recommended. From 2014 to 2024, nearly one-third of NFIP claims came from outside the high-risk Special Flood Hazard Area.
Visit FloodSmart.gov to find an agent and get a quote.