Enter any address in Currituck County, North Carolina to see its FEMA flood zone
Coastal flooding and flash flooding are the most frequent flood events in Currituck County, NC, based on NOAA Storm Events data from the last 30 years. Coastal flooding occurred 29 times, while flash flooding was recorded in 25 events. Tropical storms and hurricanes also contribute to flood risk, with 21 tropical storm events and 18 hurricane events recorded, including one fatality. Recent events include coastal flooding from October 12-14, 2025, caused by strong northeast winds, and scattered flash flooding on July 2, 2025, due to slow-moving thunderstorms.
National Flood Insurance Program (NFIP) claims data indicates that properties in Zone A have experienced a significant number of claims (642) with an average payout of $8,964 and an average water depth of 1.5 feet. Properties in Zone X_UNSHADED (545 claims, $11,622 average payout, 1.5 ft average depth) and Zone X (455 claims, $12,187 average payout, 0.8 ft average depth) have also seen substantial claims. Residents in coastal areas, as well as those in Zone A and properties without a Base Flood Elevation (BFE), should pay particular attention to flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
48 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Currituck County, North Carolina has recorded 103 flood-related events since 1996 according to NOAA's Storm Events Database, including 25 flash floods and 9 river or area floods. The county has received 24 federal disaster declarations. Enter any address above to check its FEMA flood zone designation.
FEMA Disaster Declarations (1988–2026)
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 |
|---|---|---|
| Coastal Flood | Aug 21, 2025 | 0.00K |
| Tropical Storm | Aug 21, 2025 | — |
| Coastal Flood | Sep 16, 2025 | — |
| Flash Flood | Jun 15, 2025 | 0.00K |
| Coastal Flood | Oct 12, 2025 | — |
| Flash Flood | Jul 2, 2025 | 0.00K |
| Coastal Flood | Sep 20, 2024 | 0.00K |
| Coastal Flood | Sep 19, 2024 | 0.00K |
| Flash Flood | Jul 18, 2024 | 0.00K |
| Flash Flood | Sep 17, 2024 | 0.00K |
Coastal Flood — Aug 21, 2025
Hurricane Erin passed well offshore and combined with high pressure to the north, resulting in a period of strong onshore winds and coastal flooding across portions of the northern North Carolina Outer Banks.
Tropical Storm — Aug 21, 2025
The center of Hurricane Erin stayed several hundred miles east of the Middle Atlantic coast on August 21, 2025. However, due the extremely large size of the cyclone with an expansive wind field, tropical storm force gusts occurred over the Atlantic, Currituck Sound, and northeast North Carolina.
Coastal Flood — Sep 16, 2025
A coastal low lingered near the North Carolina and Virginia coastline on September 16, slowly moving northwest into the Chesapeake Bay by the evening of September 16. This low brought a prolonged period of elevated northerly winds across the Currituck Sound and North Carolina coastal waters, resulting in elevated seas and moderate coastal flooding.
Flash Flood — Jun 15, 2025
A stationary front was located across central Virginia to northeast North Carolina on June 15. This front slowly moved southwest through the afternoon. Widespread storms developed during the afternoon and continued into the evening on June 15. These storms produced locally heavy rain and flash flooding across portions of northeast North Carolina.
Coastal Flood — Oct 12, 2025
A coastal low formed off of the Southeast coast on October 11 and slowly tracked north into October 13 before moving offshore. Meanwhile, a strong 1035mb area of high pressure lingered over the Gulf of Saint Lawrence. This resulted in a prolonged period of strong northeast to north winds across the North Carolina coastal waters, which allowed for moderate to major coastal flooding across northe...
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 Currituck 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 Currituck 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.