ZIP 27959
Dare County, NC

The heaviest year

2003 is the heaviest year on file: 583 paid claims, 18.8% of the ZIP's total. The rest is spread across the other 45 years on file. The largest named event in the record is Hurricane Isabel, with 578 claims.

68 of those claims — 2.2% — were filed since 2017. The bulk of this ZIP's record is older than that.

Named event	Paid claims	Share of record
Hurricane Isabel	578	18.6%
Hurricane Dennis	298	9.6%
Hurricane Irene	290	9.3%

Where the claims sat on the map

Of the 3,109 claims here that record a rated flood zone, 864 — 27.8% — were on properties rated outside the mapped high-risk area, in a B, C or X zone. Being outside the high-risk zone has not meant much here. Flood insurance is not required outside the high-risk zone, and most properties there do not carry it — so these counts come from the minority who did.

The water near this ZIP

The closest gauges publishing official flood thresholds are Roanoke Sound at Pond Island (0.8 mi), Roanoke Sound at Nags Head (in MLLW) (3.1 mi) and Shallowbag Bay at Manteo (in MLLW) (3.9 mi). A gauge describes one point on one river — it will not see street drainage, sewer backup, storm surge or flash flooding.

Read current gauge conditions for 27959 →

What this does not say

These are paid National Flood Insurance Program claims, nothing more. They count insured properties whose owners filed and were paid, so they are a floor on how often this ZIP has flooded — never a measure of how likely it is to flood next. Uninsured flooding leaves no trace here at all.

The figures are aggregates published by FEMA. No individual claim, address or policyholder appears on this page or in the data behind it. Nothing here is a forecast, a warning, or advice about insurance.