Raleigh, NC Flood Zone Lookup
Last updated: March 2026
Raleigh faces flooding from the Neuse River, Crabtree Creek, and Walnut Creek. Hurricanes tracking inland from the coast have caused severe flooding, including major flooding from Hurricane Matthew in 2016.
Wake County has recorded 1,638 NFIP flood insurance claims since 1978, totaling $31.2M 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
3,756
Wake County
Avg. Premium
$942/yr
Wake County
FEMA Flood Risk Profile: Wake 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 HighEst. annual loss: $221.7M
Hurricane Risk
Relatively ModerateEst. annual loss: $11.9M
Source: FEMA National Risk Index, county-level assessment. Individual property risk may vary.
Federal Flood Disaster History: Wake County
Wake County has been included in 11 federal flood-related disaster declarations.
...and 3 earlier declarations since 1996.
These declarations affected communities across Wake County, including Raleigh.
Source: OpenFEMA Disaster Declarations Summaries API. Data sourced February 2026.
NFIP Flood Insurance Claims: Wake County
Properties in Wake County have filed 1,638 NFIP flood insurance claims totaling $31.2M in payouts since 1978. The average claim payout is $19K.
Highest-Claim Years
1996
369 claims - $8.3M
2006
185 claims - $7.4M
2016
182 claims - $6.0M
Claims by Flood Zone
Source: OpenFEMA NFIP Claims API. Data sourced March 2026. See national claims data.
Flood Insurance Coverage: Wake County
Only roughly 1 in 119 households in Wake County carries NFIP flood insurance (0.8% of estimated households). With 289 recorded flood events and $95.4M in damage, most flood losses in this county are likely uninsured.
Penetration Rate
0.8%
roughly 1 in 119 households
Historical Claims Ratio
1 in 2
1,638 claims over 45+ years across 3,756 current policies
Avg. Claim Payout
$19,071
Per claim, county-wide since 1978
Historically, Wake 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 Raleigh.
What Your Flood Zone Means in Raleigh
Raleigh faces multiple inland flood threats, including riverine flooding from nearby waterways and flash flooding from intense rainfall overwhelming urban drainage systems. Properties near river corridors face the highest risk, but stormwater backup can affect neighborhoods well outside the mapped floodplain. The most common FEMA flood zone designations in Raleigh are Zone AE, Zone X. FEMA's National Risk Index estimates the county's annual expected loss from inland flooding at over $221.7M.
With both riverine and urban stormwater flood risk, insurance costs in Raleigh depend heavily on a property's elevation relative to nearby waterways and the local drainage infrastructure. FEMA's Risk Rating 2.0 prices in multiple inland flood sources rather than relying on the flood zone line alone. 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.
Flood zone boundaries in Raleigh can shift when FEMA updates its Flood Insurance Studies or when upstream development changes how water moves through the watershed. New stormwater infrastructure or dam modifications can also trigger map revisions. Use our free lookup tool to check the current flood zone for any Raleigh address.
Repetitive Loss Properties: Wake County
Wake County has 157 properties with multiple flood insurance losses, including 26 severe repetitive loss properties. 7 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
157
2+ claims within 10 years
Severe Repetitive Loss
26
4+ claims or 2 exceeding value
Mitigated
7
Received FEMA mitigation
By Flood Zone
Source: OpenFEMA NFIP Multiple Loss Properties. Data sourced March 2026.
Recorded Flood Events: Wake County
NOAA has recorded 289 flood events in Wake County since 1996, causing $95.4M in damage and 1 death.
Costliest Events
Events by Type
Source: NOAA Storm Events Database, 1996-2026. Data sourced March 2026.
Flood Mitigation: Wake County
FEMA has funded mitigation for 149 properties in Wake County, investing $2.3M 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: Raleigh
Raleigh 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 5
SFHA Premium Discount
25% off
CRS classes range from 1 (best) to 10 (no discount). Raleigh's Class 5 rating means NFIP policyholders in the SFHA can receive up to a 25% discount on their flood insurance premiums. Properties outside the SFHA may receive a 10% discount.
Source: FEMA Community Rating System, October 2025. Discounts apply to NFIP policies only.
Raleigh, NC Flood Zone FAQ
What flood zones are in Raleigh, NC?
The most common FEMA flood zones in Raleigh are Zone AE, 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 Raleigh?
If your Raleigh 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 Raleigh?
Enter your Raleigh 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 Raleigh offer flood insurance discounts?
Yes. Raleigh participates in FEMA's Community Rating System (CRS) with a Class 5 rating, qualifying residents in the Special Flood Hazard Area for up to a 25% discount on NFIP flood insurance premiums. Properties outside the SFHA may receive a 10% discount.
Has Raleigh experienced major flooding events?
Wake County, where Raleigh is located, has been part of 11 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 Raleigh?
Wake County has recorded 1,638 NFIP flood insurance claims totaling $31.2M in payouts since 1978. The year with the most claims was 1996, with 369 claims and $8.3M in payouts. These figures cover all NFIP claims in the county, including Raleigh.
How many flood insurance policies are active in Raleigh?
Wake County currently has 3,756 active NFIP flood insurance policies with an average annual premium of $942. The most policies are in Zone X (2,491 policies). These figures cover all active NFIP policies in the county.
How many Raleigh properties have flooded repeatedly?
Wake County has 157 properties with multiple flood losses on record, including 26 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 Raleigh 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 Raleigh?
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 Raleigh's Zone AE 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
Understanding Flood Zones
Look Up Any Raleigh, NC Address
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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.