Hurricane Ophelia
NFIP flood claims
- North Carolina is the only state listed, with 100.0% of the storm’s paid claims.
- By paid claims (733), Hurricane Ophelia is the 2nd lowest of 42 named storms covered here, and the 3rd lowest of 42 by median paid claim in 2024 dollars.
- Carteret County, NC alone accounts for 59.3% of the storm’s paid claims.
- In 2024 dollars (CPI-U), its median paid claim, $11,069, is 56.3% below the middle value of the storm medians ($25,316).
Source: FEMA, OpenFEMA NfipClaims (v3, data as of 2026-09-09, retrieved 2026-10-12); CPI-U, U.S. city average, all items (CUUR0000SA0), annual average (BLS Public Data API v1, annual averages 2005-2025, retrieved 2026-10-12). Not an official federal report.
Landfall and storm report
The National Hurricane Center’s HURDAT2 best track of Hurricane Ophelia (AL162005, retrieved 2026-10-12) records 1 landfall, not in or near a US county.
| Date | Time (UTC) | Position | Strength | Wind (kt) | Pressure (mb) | County containing or nearest the position |
|---|---|---|---|---|---|---|
| 2005-09-06 | 16:00 | 26.6N 78.3W | tropical depression | 25 | 1,010 | no US county |
National Hurricane Center report
From the NHC Tropical Cyclone Report on Hurricane Ophelia (retrieved 2026-10-12):
“Hurricane Ophelia was a category 1 hurricane on the Saffir-Simpson Hurricane Scale that brushed the North Carolina Outer Banks, its center staying just offshore from that coast.”
“The storm’s erratic and slow movement in the vicinity of the North Carolina coastline was similar to Hurricanes Bonnie in August 1998 and Dennis in August 1999.”
NFIP paid building claims in Hurricane Ophelia
NFIP claims: amounts paid, not repair cost. Window: event: Hurricane Ophelia, year of loss 2005; 733 paid claims; median $6,892, half of them between $3,333 (Q1) and $14,675 (Q3), in nominal dollars. Median in 2024 dollars (CPI-U): $11,069, a monetary adjustment, not today’s cost of repair.
Paid claims by year of loss
| Year of loss | Paid claims |
|---|---|
| 2005 | 733 |
Paid claims by state
| State | Paid claims | Median paid |
|---|---|---|
| North Carolina | 733 | $6,892 |
Counties with the most paid claims
| County | FIPS | Paid claims |
|---|---|---|
| Carteret County | 37031 | 435 |
Questions about Hurricane Ophelia flood claims
How many flood insurance claims were paid after Hurricane Ophelia?
733 NFIP building claims carrying FEMA’s Hurricane Ophelia event label were paid (event: Hurricane Ophelia, year of loss 2005), with a median of $6,892; half of them fall between $3,333 and $14,675. These are amounts paid, not repair cost.
Which counties had the most Hurricane Ophelia flood claims?
Carteret County, NC (435), across 1 state listed.
What is the median Hurricane Ophelia flood claim in 2024 dollars?
$11,069 once each claim is adjusted with the CPI-U, against $6,892 in nominal dollars: a monetary adjustment, not today’s cost of repair.
Related tools
Paid claims of Hurricane Ophelia are not repair estimates: to estimate the cleanup of a flooded basement from published cost-guide rates, use the basement water damage repair cost calculator; for water removal and drying after any water loss, the water damage and mitigation calculator.
To set these figures against every State on one claims window, amounts paid, not repair cost: NFIP paid building claims by state.
Before using these figures
A storm total counts NFIP-insured buildings with a paid claim, not all the damage of the storm. Method and limits.
Source and notice
- Storm = floodEvent "Hurricane Ophelia" with yearOfLoss 2005; window of the extraction: yearOfLoss 2005-2025.
This product uses the Federal Emergency Management Agency’s OpenFEMA API, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s).