Emerald Isle, NC Flood Zone Lookup
Last updated: March 2026
Emerald Isle is a barrier island community at the western end of Bogue Banks near Bogue Inlet in Carteret County. The island faces Atlantic Ocean storm surge and inlet-driven flooding during coastal storms.
Carteret County has recorded 8,994 NFIP flood insurance claims since 1978, totaling $123.1M in payouts. Explore the full NFIP claims data by state and county to see how this area compares nationally.
FEMA Region
Region 4
NFIP Policies
16,320
Carteret County
Avg. Premium
$768/yr
Carteret County
FEMA Flood Risk Profile: Carteret County
Based on FEMA's National Risk Index, which evaluates flood risk at the county level using historical loss data, exposure, and vulnerability.
Inland Flood Risk
Relatively LowEst. annual loss: $9.6M
Coastal Flood Risk
Relatively HighEst. annual loss: $4.5M
Hurricane Risk
Very HighEst. annual loss: $109.3M
Source: FEMA National Risk Index, county-level assessment. Individual property risk may vary.
Federal Flood Disaster History: Carteret County
Carteret County has been included in 23 federal flood-related disaster declarations.
...and 15 earlier declarations since 1999.
These declarations affected communities across Carteret County, including Emerald Isle.
Source: OpenFEMA Disaster Declarations Summaries API. Data sourced February 2026.
NFIP Flood Insurance Claims: Carteret County
Properties in Carteret County have filed 8,994 NFIP flood insurance claims totaling $123.1M in payouts since 1978. The average claim payout is $14K.
Highest-Claim Years
2018
2,521 claims - $64.4M
1996
1,275 claims - $7.7M
1999
1,265 claims - $10.6M
Claims by Flood Zone
Source: OpenFEMA NFIP Claims API. Data sourced March 2026. See national claims data.
Flood Insurance Coverage: Carteret County
Only roughly 1 in 2 households in Carteret County carries NFIP flood insurance (61% of estimated households).
Penetration Rate
61%
roughly 1 in 2 households
Historical Claims Ratio
1 in 2
8,994 claims over 45+ years across 16,320 current policies
Avg. Claim Payout
$13,691
Per claim, county-wide since 1978
Historically, Carteret County has averaged 1 claim for every 2 active policies (since 1978). This compares cumulative claims against today's policy count and does not predict future claim likelihood.
Coverage data: NFIP policies as of March 2026, claims since 1978 (March 2026), population from FEMA NRI. All figures are county-wide and include Emerald Isle.
What Your Flood Zone Means in Emerald Isle
Emerald Isle is primarily at risk from coastal flooding, including hurricane storm surge, tidal flooding, and wave action. Coastal storms can push seawater inland with little warning, and properties in VE (Velocity) zones face the most severe exposure to breaking waves. The most common FEMA flood zone designations in Emerald Isle are Zone AE, Zone VE, Zone X. FEMA's National Risk Index estimates the county's annual expected loss from inland flooding at over $9.6M. Properties in Emerald Isle's VE zones face additional wave action risk beyond still-water flooding, which typically results in higher insurance premiums and stricter building requirements.
Coastal flood insurance premiums in Emerald Isle are typically higher than inland areas due to the destructive force of storm surge and wave action. Properties in VE zones face the highest premiums because wave damage compounds the risk beyond still-water flooding. If your property is in a Special Flood Hazard Area (SFHA) and you have a federally regulated or government-backed mortgage, federal law generally requires your lender to ensure you carry flood insurance.
Coastal flood maps are among the most frequently updated in the FEMA system, as shoreline erosion and new storm surge modeling refine the boundaries. Letters of Map Revision (LOMR) may shift VE and AE zone boundaries after major storms or updated coastal studies. Use our free lookup tool to check the current flood zone for any Emerald Isle address.
Repetitive Loss Properties: Carteret County
Carteret County has 919 properties with multiple flood insurance losses, including 123 severe repetitive loss properties. 25 properties have received FEMA mitigation funding. Severe repetitive loss is a subset of multiple loss, not a separate count. Data sourced March 2026.
Multiple Loss
919
2+ claims within 10 years
Severe Repetitive Loss
123
4+ claims or 2 exceeding value
Mitigated
25
Received FEMA mitigation
By Flood Zone
Zone data available for 915 of 919 properties.
Source: OpenFEMA NFIP Multiple Loss Properties. Data sourced March 2026.
Recorded Flood Events: Carteret County
NOAA has recorded 68 flood events in Carteret County since 1996, causing $15K in damage.
Costliest Events
Events by Type
Source: NOAA Storm Events Database, 1996-2026. Data sourced March 2026.
Flood Mitigation: Carteret County
FEMA has funded mitigation for 163 properties in Carteret County, investing $766K in flood risk reduction. Common mitigation actions include acquisition (buying and demolishing flood-prone structures), elevation (raising buildings above flood level), and safe rooms (wind/storm shelters for tornado and hurricane protection).
By Action Type
Source: OpenFEMA Hazard Mitigation Assistance. Data sourced March 2026.
Flood Insurance Discount: Emerald Isle
Emerald Isle participates in FEMA's Community Rating System (CRS), a voluntary program that rewards communities for flood mitigation efforts beyond minimum NFIP requirements. Residents in the Special Flood Hazard Area may qualify for reduced flood insurance premiums.
CRS Class
Class 7
SFHA Premium Discount
15% off
CRS classes range from 1 (best) to 10 (no discount). Emerald Isle's Class 7 rating means NFIP policyholders in the SFHA can receive up to a 15% discount on their flood insurance premiums. Properties outside the SFHA may receive a 5% discount.
Source: FEMA Community Rating System, April 2026. Discounts apply to NFIP policies only.
Emerald Isle, NC Flood Zone FAQ
What flood zones are in Emerald Isle, NC?
The most common FEMA flood zones in Emerald Isle are Zone AE, Zone VE, Zone X. Properties in these high-risk zones (SFHA) may require flood insurance with a federally regulated or government-backed mortgage.
Is flood insurance required in Emerald Isle?
If your Emerald Isle property is in a Special Flood Hazard Area (SFHA) and you have a federally regulated or government-backed mortgage, federal law generally requires your lender to ensure you carry flood insurance. Properties in Zone X are not federally required to carry flood insurance, though coverage is still recommended since over 40% of all NFIP flood claims come from Zone X properties.
How do I check my flood zone in Emerald Isle?
Enter your Emerald Isle address in the search tool above for an instant flood zone determination. Results include your FEMA flood zone, SFHA status, base flood elevation (if available), and FIRM panel information, pulled directly from FEMA's National Flood Hazard Layer.
Does Emerald Isle offer flood insurance discounts?
Yes. Emerald Isle participates in FEMA's Community Rating System (CRS) with a Class 7 rating, qualifying residents in the Special Flood Hazard Area for up to a 15% discount on NFIP flood insurance premiums. Properties outside the SFHA may receive a 5% discount.
Has Emerald Isle experienced major flooding events?
Carteret County, where Emerald Isle is located, has been part of 23 federal disaster declarations for flooding, hurricanes, or severe storms. The most recent was Hurricane Ian in 2022. Federal disaster declarations are issued when flooding overwhelms local resources and triggers FEMA assistance programs.
How many flood insurance claims have been filed in Emerald Isle?
Carteret County has recorded 8,994 NFIP flood insurance claims totaling $123.1M in payouts since 1978. The year with the most claims was 2018, with 2,521 claims and $64.4M in payouts. These figures cover all NFIP claims in the county, including Emerald Isle.
How many flood insurance policies are active in Emerald Isle?
Carteret County currently has 16,320 active NFIP flood insurance policies with an average annual premium of $768. The most policies are in Zone AE (7,772 policies). These figures cover all active NFIP policies in the county.
How many Emerald Isle properties have flooded repeatedly?
Carteret County has 919 properties with multiple flood losses on record, including 123 severe repetitive loss properties. These are properties that have experienced four or more NFIP claims of $5,000+ or two claims exceeding the building value.
Can my Emerald Isle property be removed from a high-risk flood zone?
Yes, if your property's natural ground elevation is above the Base Flood Elevation and FEMA inadvertently mapped it in a high-risk zone, you can apply for a Letter of Map Amendment (LOMA). A successful LOMA removes the property from the Special Flood Hazard Area, generally eliminating the federal mandatory flood insurance requirement. You will need an elevation certificate from a licensed surveyor. If a property was raised above the BFE with fill material, the process is a LOMR-F rather than a LOMA.
What is Base Flood Elevation in Emerald Isle?
Base Flood Elevation (BFE) is the predicted height of floodwaters during a 1% annual chance (100-year) flood, shown on FEMA maps as an elevation number in feet above sea level. In Emerald Isle's Zone AE and Zone VE areas, BFE lines appear on the FIRM as wavy contours labeled with elevation values. Properties with a lowest floor at or above the BFE typically qualify for significantly lower NFIP flood insurance premiums.
Other North Carolina Cities
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Disclaimer: Flood risk data on this page is sourced from FEMA datasets including the National Risk Index, NFIP claims and policy records, disaster declarations, and the Community Rating System. These datasets were last extracted on March 2026 and may not reflect the most recent changes. This page is for informational purposes only and is not a certified flood zone determination. Always verify current flood zone status through FEMA or a licensed determination provider before making property, insurance, or lending decisions.