531 flood insurance claims·$6.5M 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 Pasquotank 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 slow-moving summer storms and tropical systems dominates the flood risk profile in Pasquotank County, based on NOAA storm event data recording 25 flash flood events, 10 tropical storms, 8 hurricanes, 6 general floods, and 3 coastal floods over the last 30 years.
Specific recent events illustrate these risks. On July 2, 2025, a stationary front caused slow-moving, high-rate rainstorms that trained over the area and led to scattered flash flooding. Later that summer on August 21, 2025, the expansive wind field of Hurricane Erin brought tropical storm force gusts to the region.
Federal insurance claims data shows the heaviest financial impacts concentrated in high-risk areas. Zone A accounts for 461 National Flood Insurance Program claims with an average payout of $18,012 and an average recorded water depth of 3 inches. Properties in lower-risk zones also experience claims, including Zone X with 35 claims averaging $10,412 and 1 inch of water, shaded Zone X with 13 claims averaging $4,513 and 1 inch of water, unshaded Zone X with 11 claims averaging $6,587 and 2 inches of water, and Zone V with 6 claims averaging $11,195 and 2 inches of water. Homeowners in Zone A and coastal Zone V properties should pay the closest attention to flood preparedness given these historical claim and depth averages.
Summary written from NOAA storm reports and NFIP claims for this county. Not a prediction.
5% of Pasquotank County’s flood insurance claims were on properties rated outside FEMA’s high-risk zones.
491 NFIP claims with a recorded rated flood zone, 1978 to date. The zone is the one FEMA used to rate that policy, which may not match today’s map. Source: OpenFEMA NFIP claims.
In flood insurance claims here that reported a flood depth, the average was 3 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 1999, with 115 claims and $1.5M paid, the year of Hurricane Floyd Major Disaster Declarations and Hurricane Floyd.
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.
13 NOAA storm reports from Pasquotank County describe what happened, in the words of the forecasters who covered it. Read the North Carolina flood stories →
23 federal disaster declarations since 1968, 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.
52 since 1996: 25 flash floods, 6 river or area floods and 3 coastal floods or surges.
| Event | Date | Damage |
|---|---|---|
| Tropical Storm | Aug 21, 2025 | — |
| Flash Flood | Jun 16, 2025 | — |
| Flash Flood | Jul 2, 2025 | — |
| Flash Flood | Jun 30, 2024 | — |
| Flash Flood | Jul 18, 2024 | — |
| Flash Flood | Aug 10, 2024 | — |
| Tropical Storm | Sep 22, 2023 | — |
| Tropical Storm | Jul 8, 2021 | $20,000 |
— = no damage estimate in the record. Source: NOAA Storm Events Database.
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.
Flash Flood · Jun 16, 2025. A stationary front remained stalled in the vicinity of northeast North Carolina on June 16. Scattered, slow-moving showers and storms developed along the front in the afternoon and evening, producing localized heavy rain and flash flooding across northeast North Carolina.
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 · Jun 30, 2024. Scattered thunderstorms in advance of a cold front produced heavy rain which caused flash flooding across portions of northeast North Carolina.
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 Pasquotank 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.