Enter any address in Clay County, North Carolina to see its FEMA flood zone
Source: OpenFEMA Disaster Declarations Summaries.
| Declaration | Type | Date |
|---|---|---|
| SEVERE WINTER STORM | Winter Storm | 2026-01-21 |
| HURRICANE HELENE | Tropical Storm | 2024-09-25 |
| TROPICAL STORM HELENE | Tropical Storm | 2024-09-25 |
| HURRICANE IAN | Hurricane | 2022-09-28 |
| HURRICANE ISAIAS | Hurricane | 2020-07-31 |
| COVID-19 PANDEMIC | Biological | 2020-01-20 |
| COVID-19 | Biological | 2020-01-20 |
| HURRICANE DORIAN | Hurricane | 2019-09-01 |
| HURRICANE FLORENCE | Hurricane | 2018-09-07 |
| HURRICANE KATRINA EVACUATION | Hurricane | 2005-08-29 |
FEMA assigns flood zone designations to areas in Clay 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 Clay 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. Over 20% of NFIP claims come from low and moderate-risk areas.
Visit FloodSmart.gov to find an agent and get a quote.