Enter any address in Hertford County, North Carolina to see its FEMA flood zone
Flash flooding from scattered thunderstorms is the most frequent type of flood event recorded in Hertford County over the last 30 years, with 16 occurrences. Recent examples include flash flooding on July 18, 2024, and August 27, 2023, both attributed to heavy rainfall from thunderstorms along frontal boundaries. Tropical storms have also impacted the area, as seen with Tropical Storm Elsa on July 8, 2021, which brought wind damage.
National Flood Insurance Program data indicates that properties in Zone A have experienced the highest average claim payouts and water depths, suggesting a higher risk. Homeowners in Zone X and Zone X_Unshaded also have a history of claims, though with lower average payouts and water depths. Residents in these zones, particularly those in areas identified as Zone A, should pay close attention to flood risk information.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
4 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Hertford County, North Carolina has recorded 28 flood-related events since 1996 according to NOAA's Storm Events Database, including 16 flash floods and 4 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 |
| Tropical Storm Eta | Severe Storm | Nov 12, 2020 |
| 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 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flash Flood | Sep 27, 2024 | 0.00K |
| Flash Flood | Jul 18, 2024 | 0.00K |
| Flash Flood | Aug 27, 2023 | 0.00K |
| Tropical Storm | Jul 8, 2021 | 15.00K |
| Flood | Nov 12, 2020 | 0.00K |
| Tropical Storm | Aug 4, 2020 | 500.00K |
| Flood | Sep 21, 2016 | 0.00K |
| Flash Flood | Oct 8, 2016 | 0.00K |
| Flood | Oct 8, 2016 | 250.00K |
| Tropical Storm | Sep 2, 2016 | 0.00K |
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 — Jul 18, 2024
Scattered thunderstorms along a frontal boundary produced heavy rain which caused flash flooding across portions of northeast North Carolina.
Flash Flood — Aug 27, 2023
Scattered thunderstorms near a frontal boundary produced heavy rain which caused flash flooding across portions of northeast North Carolina.
Tropical Storm — Jul 8, 2021
The center of Tropical Storm Elsa tracked north just inland of the Middle Atlantic Coast from Thursday morning through Thursday night, July 8th. The Tropical Storm produced tropical storm force winds and associated wind damage across portions of northeast North Carolina.
Flood — Nov 12, 2020
Deep tropical moisture streaming northward into the Mid Atlantic region combined with the approach of a cold front and low pressure, produced heavy rain which caused 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 Hertford 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 Hertford 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.