39 flood insurance claims·$615,585 paid·6 federal flood & hurricane disasters
Share of the whole county outline, rivers and lakes included; parts FEMA hasn’t mapped count as zero.
Shaded areas are FEMA’s mapped flood hazard zones in and around Hoke County, North Carolina. Zoomed out they are simplified; at street level the map switches to FEMA’s exact layer. Tap anywhere to check that spot, or search an address above.
Flash flooding from heavy rainfall events dominates the local flood profile, accounting for 24 out of 37 recorded flood events over the last 30 years, alongside impacts from tropical systems and hurricanes.
Historical impacts are well-documented by regional storm activity, including the heavy rainfall and flash flooding produced by Hurricane Dorian in September 2019, and the remnants of Tropical Storm Chantal which brought catastrophic flash flooding from record rainfall in July 2025.
National Flood Insurance Program records indicate that flood risks extend beyond high-risk areas. Zone X properties recorded 21 claims with an average payout of $23,628 and an average recorded water depth of 18 inches. Meanwhile, Zone A properties recorded 15 claims with an average payout of $39,725 and an average recorded water depth of 5 inches. Homeowners and real estate agents in both designated high-risk flood zones and moderate-to-low risk Zone X areas should pay close attention to these historical water depths and claim histories when evaluating property risk.
Summary written from NOAA storm reports and NFIP claims for this county. Not a prediction.
In flood insurance claims here that reported a flood depth, the average was 10 inches.
Drawn to scale against an 80-inch door. Even a few inches soaks flooring, the bottom of the drywall and anything plugged in near the floor.
Average of the depths reported on claims (zero and implausible values left out); FEMA’s record doesn’t say exactly where each depth was measured. Source: OpenFEMA NFIP claims.
The worst year was 2016, with 12 claims and $333,954 paid, the year of Hurricane Matthew.
Bar height is scaled by square root so ordinary years stay visible next to the worst one. NFIP claims by year of loss. Source: OpenFEMA.
15 NOAA storm reports from Hoke County describe what happened, in the words of the forecasters who covered it. Read the North Carolina flood stories →
20 federal disaster declarations since 1996, 6 of them floods, coastal storms or hurricanes.
| Disaster | Began |
|---|---|
| Severe Winter Storm | Jan 21, 2026 |
| Hurricane Helene | Sep 25, 2024 |
| Tropical Storm Debby | Aug 5, 2024 |
| Hurricane Ian | Sep 28, 2022 |
| Hurricane Isaias | Jul 31, 2020 |
| Hurricane Dorian | Sep 1, 2019 |
| Hurricane Florence | Sep 7, 2018 |
| Hurricane Matthew | Oct 4, 2016 |
Weather and water disasters only; most recent first. Source: OpenFEMA Disaster Declarations.
37 since 1996: 24 flash floods and 3 river or area floods.
| Event | Date | Damage |
|---|---|---|
| Flash Flood | Jul 6, 2025 | $10,000 |
| Tropical Storm | Sep 30, 2022 | $750,000 |
| Tropical Storm | Sep 5, 2019 | $500,000 |
| Flash Flood | Sep 17, 2018 | — |
| Flood | Sep 17, 2018 | $575,000 |
| Flash Flood | Apr 15, 2018 | — |
| Flash Flood | Sep 14, 2018 | — |
| Tropical Storm | Sep 13, 2018 | $1.0M |
— = no damage estimate in the record. Source: NOAA Storm Events Database.
Flash Flood · Jul 6, 2025. Tropical Storm Chantal made landfall over northeastern South Carolina during the morning hours of July 6. The remnants of Chantal then tracked west-northwest into portions of central North Carolina, stalling out over the area before tracking east-northeast into Virginia by the 7th of July. Catastrophic flash flooding occurred from record rainfall of up to 11 inches in some spots of the Piedmont, included 6 flash f…
Tropical Storm · Sep 30, 2022. Hurricane Ian made landfall along the South Carolina coast near Georgetown during the early afternoon hours of September 30, 2022. Widespread wind gusts over tropical storm force and heavy rainfall occurred across much of central North Carolina through the afternoon and evening hours. There were numerous reports of wind damage and power outages as a result of the storm.
Tropical Storm · Sep 5, 2019. Hurricane Dorian moved north and northeastward near and along the coast of North Carolina on September 5th and 6th, with Dorian making landfall along the Outer Banks of North Carolina during the morning of September 6th. Meanwhile, heavy rain and strong damaging winds spread inland and across eastern central North Carolina. Heavy rainfall of 3 to 7 inches produced flash flooding across portions of the Coastal Plai…
Flash Flood · Sep 17, 2018. As remnants of Florence lifted north of the area, scattered thunderstorms developed during the afternoon due to strong differential heating within the pronounced mid-level dry slot, east of the center of the circulation. Two thunderstorms produced some scattered thunderstorm wind damage, along with some isolated flash flooding due to the wet antecedent conditions.
National Weather Service narratives, lightly trimmed. Source: NOAA Storm Events Database.
Every colour on the map above is a place on this drawing: where the ground sits relative to the flood FEMA plans for.
If a building in Hoke County is in a high-risk zone (A or V) and its mortgage comes from a federally regulated or insured lender, or is federally backed, flood insurance is required.
Outside those zones it is optional, and often worth having: from 2014 to 2024 nearly one-third of NFIP claims came from outside the high-risk Special Flood Hazard Area. Since Risk Rating 2.0, NFIP premiums are set for each building, so the only reliable price is a quote: FloodSmart.gov or a local agent.