STATE RISK ROLL-UP

North Carolina

Across 100 counties, FEMA rates 5 elevated or higher for overall natural-hazard risk. Here's what drives it — and where it concentrates.

How the counties rate

Low69

Moderate26

Elevated5

High0

Dominant hazards

The hazards most often rated elevated or higher across North Carolina's counties:

Winter weather — 28 counties
Hurricane — 23 counties
Tornado — 11 counties
Flooding — 8 counties

Highest-risk counties

County	FEMA composite	Score
Mecklenburg County	Relatively High	97
Brunswick County	Relatively High	96
New Hanover County	Relatively High	96
Wake County	Relatively High	96
Onslow County	Relatively High	95
Craven County	Relatively Moderate	94

State figures are a roll-up of FEMA National Risk Index county data (counts and rankings), not an official FEMA state rating. Risk is an estimate from a public model, not a guarantee — verify your specific insurance needs with a licensed professional. See the methodology.

Check a county scorecard →Build a prep checklist →← All states

FEMA National Risk Index · as of 2026-07-08