States › North Carolina › Avery County › ZIP 28646
ZIP code 28646, Avery County, North Carolina
National Flood Insurance Program claims and payouts recorded for this ZIP code, with county context.
NCEI notes that Storm Data is compiled from a variety of sources including the National Weather Service, other federal, state and local agencies, the media and the public; that property and crop damage figures are estimates; and that some events are recorded by NWS forecast zone rather than by county. FEMA notes that NFIP claim records are redacted and aggregated to protect the privacy of policyholders. NFIP claims as of 8 Sep 2026.
OpenFEMA lists 49 NFIP claims for ZIP 28646 (Avery County, North Carolina), with $1.5M paid on 41 claims since 1978.
That is 17% of the 288 claims recorded across Avery County. The average paid claim in the ZIP is $37K, lower than the county average of $64K and the North Carolina average of $28K.
FEMA counts 4 repetitive-loss properties and 3 severe repetitive-loss properties in the ZIP (properties with two or more paid flood claims); their locations are not published.
At county level FEMA counts 274 residential flood policies in force, covering 1.7% of residential structures.
Compared with the county and state
| Measure | ZIP 28646 | Avery | North Carolina | US |
|---|---|---|---|---|
| Claims since 1978 | 49 | 288 | 109,593 | 2,680,429 |
| Share of claims paid | 84% | 83% | 76% | 78% |
| Average paid claim | $37K | $64K | $28K | $43K |
| Share of county claims | 17.0% | 100% | — | — |
| Repetitive-loss properties | 4 | 13 | 11,713 | — |
Claims by year of loss
| Decade | Claims | Paid |
|---|---|---|
| 1970s | 0 | $0 |
| 1980s | 0 | $0 |
| 1990s | 8 | $22,656 |
| 2000s | 20 | $410,707 |
| 2010s | 4 | $13,656 |
| 2020s | 17 | $1,073,853 |
| Year of loss | Claims | Paid claims | Amount paid | Average paid |
|---|---|---|---|---|
| 2024 | 15 | 13 | $1,061,138 | $81,626 |
| 2021 | 2 | 2 | $12,715 | $6,358 |
| 2019 | 1 | 0 | $0 | — |
| 2018 | 2 | 1 | $10,440 | $10,440 |
| 2013 | 1 | 1 | $3,216 | $3,216 |
| 2006 | 1 | 1 | $3,428 | $3,428 |
| 2005 | 1 | 0 | $0 | — |
| 2004 | 18 | 16 | $407,279 | $25,455 |
| 1997 | 1 | 1 | $1,278 | $1,278 |
| 1995 | 4 | 3 | $6,941 | $2,314 |
| 1994 | 3 | 3 | $14,437 | $4,812 |
Claims are counted by year of loss as recorded in OpenFEMA's redacted NFIP claims file; amounts combine building, contents and increased-cost-of-compliance payments. ZIP codes in the file are the policyholder's reported ZIP.
County context: Avery County
Avery County has 681 weather events in the NCEI record since 1950 (11 in the last 12 months), 22 federal disaster declarations, and an overall National Risk Index rating of "Relatively Low". Flood-type events recorded in the county: 38; hurricane-strength tracks within 50 miles: 0.
Hail: 59 · Tornado: 2 · Flood: 38 · Wind: 101 · Winter: 403 — full county page.
Questions and answers
How many flood insurance claims have been filed in ZIP 28646?
49 claims since 1978 in the OpenFEMA NFIP claims file, 41 of them with a payment.
How much has the NFIP paid out in ZIP 28646?
$1.5M across 41 paid claims (building, contents and increased-cost-of-compliance payments combined), about $37K per paid claim.
Which year had the most flood claims in 28646?
2004, with 18 claims and $407K paid.
What county is ZIP 28646 in?
Most claims in this ZIP carry the county code for Avery County, North Carolina; ZIP codes can cross county lines. The county page carries the storm record, declarations and risk index for the area.
Provenance
OpenFEMA NfipClaims v3 (as of 8 Sep 2026) and NfipMultipleLossProperties v1 (2 Aug 2026), aggregated by ZIP code and year of loss on this site; no property-level record is shown. County storm figures from NOAA NCEI through 30 Jun 2026. Built 1 Oct 2026. See the guide to redacted NFIP claims and the methodology.