Ranked from FEMA National Risk Index
Highest Expected Disaster Loss per Household in North Carolina
FEMA publishes an expected annual loss for every county, but the raw figure tracks how much there is to lose, so a national list of it is really a list of large metros. Dividing by occupied housing units gives the number an individual owner can use. Expected annual loss is FEMA's National Risk Index figure for the county, divided by the number of occupied housing units the Census reports there. It is an actuarial average, not a forecast for any one year.
Where does yours land?
Every county in America is somewhere on this scale, including the one you live in.
North Carolina ranked
| # | County | Disaster loss per household | FEMA risk rating | Median home |
|---|---|---|---|---|
| 1 | Hyde County | $7,349 | Relatively Low | $119,600 |
| 2 | Tyrrell County | $6,479 | Relatively Low | $138,400 |
| 3 | Dare County | $4,904 | Relatively Moderate | $425,400 |
| 4 | Pamlico County | $4,315 | Relatively Low | $209,800 |
| 5 | Carteret County | $4,136 | Relatively Moderate | $304,200 |
| 6 | Jones County | $3,656 | Relatively Low | $122,600 |
| 7 | Bladen County | $3,318 | Relatively Moderate | $125,800 |
| 8 | Onslow County | $2,975 | Relatively High | $219,500 |
| 9 | Craven County | $2,853 | Relatively Moderate | $206,200 |
| 10 | Beaufort County | $2,843 | Relatively Moderate | $181,200 |
| 11 | Washington County | $2,810 | Relatively Low | $107,000 |
| 12 | Pender County | $2,771 | Relatively Moderate | $267,100 |
| 13 | Duplin County | $2,644 | Relatively Moderate | $123,200 |
| 14 | Sampson County | $2,571 | Relatively Moderate | $128,400 |
| 15 | New Hanover County | $2,511 | Relatively High | $353,700 |
| 16 | Bertie County | $2,442 | Relatively Low | $95,800 |
| 17 | Brunswick County | $2,380 | Relatively High | $314,700 |
| 18 | Martin County | $2,230 | Relatively Low | $109,900 |
| 19 | Columbus County | $2,192 | Relatively Moderate | $128,300 |
| 20 | Greene County | $2,102 | Relatively Low | $114,000 |
| 21 | Hertford County | $2,064 | Relatively Low | $111,100 |
| 22 | Avery County | $1,726 | Relatively Low | $233,200 |
| 23 | Perquimans County | $1,687 | Very Low | $211,600 |
| 24 | Graham County | $1,673 | Very Low | $155,800 |
| 25 | Swain County | $1,673 | Relatively Low | $209,800 |
| 26 | Jackson County | $1,583 | Relatively Low | $253,900 |
| 27 | Lenoir County | $1,556 | Relatively Moderate | $111,400 |
| 28 | Chowan County | $1,543 | Very Low | $204,400 |
| 29 | Ashe County | $1,488 | Relatively Low | $221,900 |
| 30 | Wayne County | $1,414 | Relatively Moderate | $162,700 |
| 31 | Macon County | $1,349 | Relatively Low | $229,000 |
| 32 | Union County | $1,342 | Relatively Moderate | $374,400 |
| 33 | Robeson County | $1,332 | Relatively Moderate | $88,600 |
| 34 | Alleghany County | $1,313 | Very Low | $199,000 |
| 35 | Warren County | $1,292 | Relatively Low | $124,700 |
| 36 | Edgecombe County | $1,243 | Relatively Low | $116,800 |
| 37 | Anson County | $1,229 | Relatively Low | $119,300 |
| 38 | Transylvania County | $1,228 | Relatively Low | $336,100 |
| 39 | Wilkes County | $1,227 | Relatively Moderate | $161,400 |
| 40 | Watauga County | $1,226 | Relatively Low | $321,500 |
| 41 | Haywood County | $1,183 | Relatively Low | $254,900 |
| 42 | Montgomery County | $1,158 | Relatively Low | $150,300 |
| 43 | Pasquotank County | $1,157 | Relatively Low | $223,300 |
| 44 | Cherokee County | $1,147 | Relatively Low | $208,700 |
| 45 | Scotland County | $1,131 | Relatively Low | $109,900 |
| 46 | Gates County | $1,113 | Very Low | $163,900 |
| 47 | Pitt County | $1,105 | Relatively Moderate | $194,300 |
| 48 | Northampton County | $1,098 | Relatively Low | $102,200 |
| 49 | Madison County | $1,087 | Very Low | $263,500 |
| 50 | Yancey County | $1,078 | Very Low | $222,300 |
| 51 | Mitchell County | $1,076 | Very Low | $202,100 |
| 52 | Cabarrus County | $1,067 | Relatively Moderate | $318,600 |
| 53 | Clay County | $1,013 | Very Low | $263,300 |
| 54 | Halifax County | $969 | Relatively Low | $102,500 |
| 55 | Nash County | $961 | Relatively Low | $171,100 |
| 56 | Davidson County | $938 | Relatively Moderate | $200,100 |
| 57 | Richmond County | $936 | Relatively Low | $120,800 |
| 58 | Currituck County | $929 | Very Low | $351,200 |
| 59 | Polk County | $918 | Very Low | $281,100 |
| 60 | Surry County | $917 | Relatively Low | $166,400 |
| 61 | Wilson County | $917 | Relatively Low | $171,800 |
| 62 | McDowell County | $908 | Relatively Low | $168,300 |
| 63 | Lincoln County | $903 | Relatively Low | $279,500 |
| 64 | Granville County | $902 | Relatively Low | $235,700 |
| 65 | Rutherford County | $901 | Relatively Low | $180,800 |
| 66 | Stanly County | $896 | Relatively Low | $214,300 |
| 67 | Orange County | $881 | Relatively Low | $428,500 |
| 68 | Camden County | $879 | Very Low | $289,800 |
| 69 | Rowan County | $832 | Relatively Moderate | $216,100 |
| 70 | Lee County | $818 | Relatively Low | $213,800 |
| 71 | Henderson County | $808 | Relatively Moderate | $317,800 |
| 72 | Moore County | $807 | Relatively Low | $315,300 |
| 73 | Buncombe County | $802 | Relatively Moderate | $360,000 |
| 74 | Davie County | $778 | Very Low | $235,300 |
| 75 | Chatham County | $770 | Relatively Low | $397,800 |
| 76 | Harnett County | $767 | Relatively Low | $220,700 |
| 77 | Caldwell County | $764 | Relatively Low | $174,000 |
| 78 | Alexander County | $760 | Relatively Low | $190,000 |
| 79 | Johnston County | $748 | Relatively Moderate | $267,600 |
| 80 | Cleveland County | $733 | Relatively Low | $180,200 |
| 81 | Caswell County | $724 | Very Low | $151,200 |
| 82 | Iredell County | $721 | Relatively Low | $292,300 |
| 83 | Cumberland County | $704 | Relatively Moderate | $183,700 |
| 84 | Mecklenburg County | $698 | Relatively High | $371,200 |
| 85 | Hoke County | $697 | Relatively Low | $196,000 |
| 86 | Catawba County | $696 | Relatively Low | $218,100 |
| 87 | Randolph County | $692 | Relatively Low | $171,600 |
| 88 | Wake County | $671 | Relatively High | $422,800 |
| 89 | Vance County | $669 | Relatively Low | $146,300 |
| 90 | Forsyth County | $669 | Relatively Moderate | $227,800 |
| 91 | Durham County | $656 | Relatively Moderate | $351,700 |
| 92 | Yadkin County | $647 | Very Low | $176,400 |
| 93 | Rockingham County | $642 | Relatively Low | $156,000 |
| 94 | Gaston County | $642 | Relatively Moderate | $235,000 |
| 95 | Burke County | $636 | Relatively Low | $170,500 |
| 96 | Guilford County | $624 | Relatively Moderate | $234,900 |
| 97 | Franklin County | $612 | Relatively Low | $240,900 |
| 98 | Alamance County | $605 | Relatively Low | $221,200 |
| 99 | Person County | $604 | Very Low | $192,800 |
| 100 | Stokes County | $562 | Very Low | $186,800 |
Every figure is modelled on the county's own median home with 20% down at 7.03%. Property tax and electricity are county and state specific; homeowners insurance uses the NAIC average premium for that state, which ranges from 0.16% of home value in Hawaii to 1.16% in Oklahoma. Maintenance and water are national estimates. Full methodology.
Nationwide
Highest Expected Disaster Loss per Household across all 3,133 US counties · Every county in North Carolina