Is Craven County, NC in a flood zone?
FEMA's National Risk Index puts Craven County's flood hazard at the 76th percentile nationally — a middling flood hazard by national standards — driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about once every 1 years. County-wide, not parcel-specific: FEMA's real flood-zone map is queried live, never shipped as a download.
Who actually carries the flood insurance FEMA requires
60.6% of the homes FEMA requires to carry flood insurance in Craven County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 3,554 policies against 5,869 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Across all residential structures in Craven County, not just the ones FEMA mandates, 11.7% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Where Craven County ranks
Craven County sits at rank 788 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 602 of 3144 by population (1 is biggest). Craven County, North Carolina is home to about 104,167 people across 706.541 square miles of land.
Your street may differ from Craven County's average
Across all of Craven County's 43,972 residential structures, 5,154 carry an NFIP policy today — a county-wide count that still can't tell you one address's own mapped zone.
More on how this number was built
The methodology guide shows exactly which FEMA and Census tables feed Craven County's numbers. The guide to what the Special Flood Hazard Area actually means explains why the mandatory-insurance rule exists and who it applies to.