Is Bertie County, NC in a flood zone?
FEMA's National Risk Index puts Bertie County's flood hazard at the 46.4th percentile nationally — below the national norm for flood hazard — split between inland river flooding (about once every 1 years) and coastal storm surge (about 2.7 times a year). County-wide, not parcel-specific: FEMA's real flood-zone map is queried live, never shipped as a download.
Bertie County's flood-insurance compliance gap
14.3% of the homes FEMA requires to carry flood insurance in Bertie County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 51 policies against 357 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Across all residential structures in Bertie County, not just the ones FEMA mandates, 0.9% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
How Bertie County compares nationally
Bertie County sits at rank 1746 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 1981 of 3144 by population (1 is biggest). Bertie County, North Carolina is home to about 16,939 people across 699.176 square miles of land.
Your street may differ from Bertie County's average
95 of Bertie County's 10,696 residential structures carry flood coverage of some kind, per FEMA's latest count — useful context, not a substitute for checking one parcel.
More on how this number was built
The methodology guide shows exactly which FEMA and Census tables feed Bertie County's numbers. Because storm surge plays a real role here, the guide to coastal vs. inland flood hazard is worth reading alongside this page.