Natural hazards · Bayboro

Bayboro, NC natural hazards

Most of the natural-hazard damage FEMA expects in Bayboro comes from hurricanes, and overall the risk is very high for a U.S. community. Flood insurance has paid 54 claims here since 1996. 5 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Bayboro?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Bayboro to be higher than in 99% of U.S. communities, mostly from hurricanes.

Hurricanes83%Inland flooding7%Everything else9%

By hazard

What Bayboro faces

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

Hurricanes

83% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about once every 2 years in the area

Inland flooding

7% of expected damage

Well below average · higher than 16% of U.S. places

Recorded about once every 2 years in the area

Lower here

Coastal floodingTornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

AvalanchesTsunamisVolcanic 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 Bayboro flood?

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

54paid claims since 1996

$1.3Mpaid to owners

10homes flooded more than once

19962026

Biggest named events

Hurricane Irene: 19 claims, $501K
Hurricane Florence: 16 claims, $495K
Hurricane Dennis: 8 claims, $195K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (1) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

🏷️ 10% off flood insurance. Bayboro is in FEMA’s Community Rating System (class 8) for its flood-proofing work.

Insurance rates: Pamlico County.

What’s been done with FEMA grants

69homes raised above flood level

19flood-prone properties bought out and cleared

Disasters that hit Bayboro

5 federal disasters brought FEMA money here

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

Brought FEMA money into BayboroDeclared for Pamlico County only

2018

Hurricane Florence

289 households applied for aid $372K aid approved $27K to the Town of Bayboro for repairs

2011

Hurricane Irene

538 households applied for aid $1.5M aid approved $17K to the Town of Bayboro for repairs

2003

Hurricane Isabel

236 households applied for aid $422K aid approved $2K to the Town of Bayboro for repairs

1999

Hurricane Floyd Major Disaster Declarations

$5K to the Town of Bayboro for repairs

1999

Hurricane Dennis

$1K to the Town of Bayboro for repairs

Pamlico County has had 20 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. Bayboro is smaller than a census tract, so it shares the figures of the tract around its center.

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

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.