Enter any address in Scotland County, North Carolina to see its FEMA flood zone
Flash flooding from heavy rainfall events dominates the flood risk in Scotland County. Over the past 30 years, NOAA Storm Events data shows 23 flash flood events, alongside 5 tropical storm and 4 hurricane events. For example, rainfall from Tropical Depression Debby caused widespread flooding in August 2024, with amounts of 4-6 inches reported in some areas.
National Flood Insurance Program (NFIP) claims data indicates that properties in Zone A and Zone UNKNOWN have experienced significant flood damage. Claims in Zone A averaged $32,742 with 2.2 feet of water, while Zone UNKNOWN claims averaged $34,000 with 5.3 feet of water. Homeowners in these zones, as well as those in Zone X which saw an average payout of $29,540, should pay close attention to flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
14 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Scotland County, North Carolina has recorded 34 flood-related events since 1996 according to NOAA's Storm Events Database, including 23 flash floods and 2 river or area floods. The county has received 19 federal disaster declarations. Enter any address above to check its FEMA flood zone designation.
FEMA Disaster Declarations (1984–2026)
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 |
|---|---|---|
| Flash Flood | Jul 6, 2025 | 0.00K |
| Flash Flood | Jul 24, 2024 | 0.00K |
| Flash Flood | Aug 8, 2024 | 10.00K |
| Flash Flood | Aug 8, 2024 | 5.00K |
| Tropical Storm | Sep 30, 2022 | 1.00M |
| Tropical Storm | Sep 5, 2019 | 0.50M |
| Flood | Sep 17, 2018 | 5.41M |
| Flash Flood | Sep 15, 2018 | 0.00K (2 deaths) |
| Flash Flood | Apr 15, 2018 | 0.00K |
| Tropical Storm | Sep 13, 2018 | 1.00M |
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...
Flash Flood — Jul 24, 2024
A stalled frontal boundary across Virginia remained in place early in the morning on the 24th of July. Storms from earlier in the mid to late evening hours of the 23rd continued into the overnight hours and into the morning of the 24th of July. These lingering storms produced isolated flash flooding across Scotland County.
Flash Flood — Aug 8, 2024
Tropical Depression Debby slowly made its way through Florida, off the South Carolina coast, then back inland through the western Piedmont of North Carolina during the evening hours of 8 August 2024. Ahead of the storm, numerous feeder bands brought periods of heavy rain to central North Carolina, resulting in widespread 4-6 inch rainfall amounts across the western Piedmont, with higher amounts...
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...
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 Scotland 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 Scotland 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.