Natural hazards · Albemarle

Albemarle, NC natural hazards

Most of the natural-hazard damage FEMA expects in Albemarle comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 47 claims here since 1979. 1 federal disaster brought FEMA money into town.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations

Expected damage

How exposed is Albemarle?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Albemarle to be higher than in 52% of U.S. communities, mostly from inland flooding.

Inland flooding70%Tornadoes9%Hurricanes5%Everything else16%

By hazard

What Albemarle faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Inland flooding

70% of expected damage

Above average · higher than 69% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

9% of expected damage

Above average · higher than 67% of U.S. places

Hurricanes

5% of expected damage

Above average · higher than 74% of U.S. places

Recorded about once every 11 years in the area

Lower here

HailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic activity

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.

Flood insurance claims

Does Albemarle flood?

Every paid claim on a federal flood insurance policy in Albemarle, from FEMA’s records.

47paid claims since 1979

$2.9Mpaid to owners

7homes flooded more than once

19792026

Biggest named events

Hurricane Florence: 6 claims, $1.6M

Homes that flooded again and again

■ FEMA “severe repetitive loss” (3) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

No community discount. Albemarle isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Stanly County.

Disasters that hit Albemarle

1 federal disaster brought FEMA money here

Disasters the President declared that paid out in Albemarle itself: aid to households, or repair grants to the City of Albemarle.

Brought FEMA money into AlbemarleDeclared for Stanly County only

2024

Tropical Storm Helene

87 households applied for aid $53K aid approved

Stanly County has had 16 natural disasters declared since 1953, most often hurricanes and winter storms.

About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.

Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Albemarle covers 3 census tracts, combined by population.

Money that reached townFlood claims are matched to Albemarle’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Albemarle. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Albemarle total about $4.3M a year, counting buildings, people and crops.

Sources: FEMA National Risk Index (December 2025); OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Census tracts: U.S. Census Bureau.