Ranked from FEMA National Risk Index
Lowest Expected Disaster Loss per Household in North Carolina
The counties where FEMA's expected annual loss per household is smallest. Low exposure is one of the few housing-cost advantages that never shows up in the listing price. It shows up in what an insurer actually charges, which is not the same as the insurance figure in these tables, since that is a statewide average and cannot vary by county. 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.
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 | Stokes County | $562 | Very Low | $186,800 |
| 2 | Person County | $604 | Very Low | $192,800 |
| 3 | Alamance County | $605 | Relatively Low | $221,200 |
| 4 | Franklin County | $612 | Relatively Low | $240,900 |
| 5 | Guilford County | $624 | Relatively Moderate | $234,900 |
| 6 | Burke County | $636 | Relatively Low | $170,500 |
| 7 | Gaston County | $642 | Relatively Moderate | $235,000 |
| 8 | Rockingham County | $642 | Relatively Low | $156,000 |
| 9 | Yadkin County | $647 | Very Low | $176,400 |
| 10 | Durham County | $656 | Relatively Moderate | $351,700 |
| 11 | Forsyth County | $669 | Relatively Moderate | $227,800 |
| 12 | Vance County | $669 | Relatively Low | $146,300 |
| 13 | Wake County | $671 | Relatively High | $422,800 |
| 14 | Randolph County | $692 | Relatively Low | $171,600 |
| 15 | Catawba County | $696 | Relatively Low | $218,100 |
| 16 | Hoke County | $697 | Relatively Low | $196,000 |
| 17 | Mecklenburg County | $698 | Relatively High | $371,200 |
| 18 | Cumberland County | $704 | Relatively Moderate | $183,700 |
| 19 | Iredell County | $721 | Relatively Low | $292,300 |
| 20 | Caswell County | $724 | Very Low | $151,200 |
| 21 | Cleveland County | $733 | Relatively Low | $180,200 |
| 22 | Johnston County | $748 | Relatively Moderate | $267,600 |
| 23 | Alexander County | $760 | Relatively Low | $190,000 |
| 24 | Caldwell County | $764 | Relatively Low | $174,000 |
| 25 | Harnett County | $767 | Relatively Low | $220,700 |
| 26 | Chatham County | $770 | Relatively Low | $397,800 |
| 27 | Davie County | $778 | Very Low | $235,300 |
| 28 | Buncombe County | $802 | Relatively Moderate | $360,000 |
| 29 | Moore County | $807 | Relatively Low | $315,300 |
| 30 | Henderson County | $808 | Relatively Moderate | $317,800 |
| 31 | Lee County | $818 | Relatively Low | $213,800 |
| 32 | Rowan County | $832 | Relatively Moderate | $216,100 |
| 33 | Camden County | $879 | Very Low | $289,800 |
| 34 | Orange County | $881 | Relatively Low | $428,500 |
| 35 | Stanly County | $896 | Relatively Low | $214,300 |
| 36 | Rutherford County | $901 | Relatively Low | $180,800 |
| 37 | Granville County | $902 | Relatively Low | $235,700 |
| 38 | Lincoln County | $903 | Relatively Low | $279,500 |
| 39 | McDowell County | $908 | Relatively Low | $168,300 |
| 40 | Wilson County | $917 | Relatively Low | $171,800 |
| 41 | Surry County | $917 | Relatively Low | $166,400 |
| 42 | Polk County | $918 | Very Low | $281,100 |
| 43 | Currituck County | $929 | Very Low | $351,200 |
| 44 | Richmond County | $936 | Relatively Low | $120,800 |
| 45 | Davidson County | $938 | Relatively Moderate | $200,100 |
| 46 | Nash County | $961 | Relatively Low | $171,100 |
| 47 | Halifax County | $969 | Relatively Low | $102,500 |
| 48 | Clay County | $1,013 | Very Low | $263,300 |
| 49 | Cabarrus County | $1,067 | Relatively Moderate | $318,600 |
| 50 | Mitchell County | $1,076 | Very Low | $202,100 |
| 51 | Yancey County | $1,078 | Very Low | $222,300 |
| 52 | Madison County | $1,087 | Very Low | $263,500 |
| 53 | Northampton County | $1,098 | Relatively Low | $102,200 |
| 54 | Pitt County | $1,105 | Relatively Moderate | $194,300 |
| 55 | Gates County | $1,113 | Very Low | $163,900 |
| 56 | Scotland County | $1,131 | Relatively Low | $109,900 |
| 57 | Cherokee County | $1,147 | Relatively Low | $208,700 |
| 58 | Pasquotank County | $1,157 | Relatively Low | $223,300 |
| 59 | Montgomery County | $1,158 | Relatively Low | $150,300 |
| 60 | Haywood County | $1,183 | Relatively Low | $254,900 |
| 61 | Watauga County | $1,226 | Relatively Low | $321,500 |
| 62 | Wilkes County | $1,227 | Relatively Moderate | $161,400 |
| 63 | Transylvania County | $1,228 | Relatively Low | $336,100 |
| 64 | Anson County | $1,229 | Relatively Low | $119,300 |
| 65 | Edgecombe County | $1,243 | Relatively Low | $116,800 |
| 66 | Warren County | $1,292 | Relatively Low | $124,700 |
| 67 | Alleghany County | $1,313 | Very Low | $199,000 |
| 68 | Robeson County | $1,332 | Relatively Moderate | $88,600 |
| 69 | Union County | $1,342 | Relatively Moderate | $374,400 |
| 70 | Macon County | $1,349 | Relatively Low | $229,000 |
| 71 | Wayne County | $1,414 | Relatively Moderate | $162,700 |
| 72 | Ashe County | $1,488 | Relatively Low | $221,900 |
| 73 | Chowan County | $1,543 | Very Low | $204,400 |
| 74 | Lenoir County | $1,556 | Relatively Moderate | $111,400 |
| 75 | Jackson County | $1,583 | Relatively Low | $253,900 |
| 76 | Swain County | $1,673 | Relatively Low | $209,800 |
| 77 | Graham County | $1,673 | Very Low | $155,800 |
| 78 | Perquimans County | $1,687 | Very Low | $211,600 |
| 79 | Avery County | $1,726 | Relatively Low | $233,200 |
| 80 | Hertford County | $2,064 | Relatively Low | $111,100 |
| 81 | Greene County | $2,102 | Relatively Low | $114,000 |
| 82 | Columbus County | $2,192 | Relatively Moderate | $128,300 |
| 83 | Martin County | $2,230 | Relatively Low | $109,900 |
| 84 | Brunswick County | $2,380 | Relatively High | $314,700 |
| 85 | Bertie County | $2,442 | Relatively Low | $95,800 |
| 86 | New Hanover County | $2,511 | Relatively High | $353,700 |
| 87 | Sampson County | $2,571 | Relatively Moderate | $128,400 |
| 88 | Duplin County | $2,644 | Relatively Moderate | $123,200 |
| 89 | Pender County | $2,771 | Relatively Moderate | $267,100 |
| 90 | Washington County | $2,810 | Relatively Low | $107,000 |
| 91 | Beaufort County | $2,843 | Relatively Moderate | $181,200 |
| 92 | Craven County | $2,853 | Relatively Moderate | $206,200 |
| 93 | Onslow County | $2,975 | Relatively High | $219,500 |
| 94 | Bladen County | $3,318 | Relatively Moderate | $125,800 |
| 95 | Jones County | $3,656 | Relatively Low | $122,600 |
| 96 | Carteret County | $4,136 | Relatively Moderate | $304,200 |
| 97 | Pamlico County | $4,315 | Relatively Low | $209,800 |
| 98 | Dare County | $4,904 | Relatively Moderate | $425,400 |
| 99 | Tyrrell County | $6,479 | Relatively Low | $138,400 |
| 100 | Hyde County | $7,349 | Relatively Low | $119,600 |
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
Lowest Expected Disaster Loss per Household across all 3,133 US counties · Every county in North Carolina