Natural hazards · Black Creek

Black Creek, NC natural hazards

Most of the natural-hazard damage FEMA expects in Black Creek comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 15 claims here since 1999. 6 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Black Creek?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Black Creek to be higher than in 46% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding43%Hurricanes24%Drought9%Tornadoes7%Everything else17%

By hazard

What Black Creek faces

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

Inland flooding

43% of expected damage

Above average · higher than 52% of U.S. places

Recorded about once a year in the area

Hurricanes

24% of expected damage

Well above average · higher than 85% of U.S. places

Recorded about once every 4 years in the area

Drought

9% of expected damage

Recorded about 9 times a year in the area

Tornadoes

7% of expected damage

Above average · higher than 63% of U.S. places

Recorded about once every 47 years in the area

Lower here

HailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightning

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 Black Creek flood?

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

15paid claims since 1999

$1.5Mpaid to owners

0homes flooded more than once

19992026

Biggest named events

Hurricane Matthew: 4 claims, $931K
Hurricane Floyd: 3 claims, $184K
Hurricane Florence: 2 claims, $234K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Wilson County.

Disasters that hit Black Creek

6 federal disasters brought FEMA money here

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

Brought FEMA money into Black CreekDeclared for Wilson County only

2018

Hurricane Florence

4 households applied for aid $5K to the Town of Black Creek for repairs

2016

Hurricane Matthew

4 households applied for aid $3K aid approved $11K to the Town of Black Creek for repairs

2011

Hurricane Irene

1 household applied for aid $31K to the Town of Black Creek for repairs

2011

Severe Storms, Tornadoes, and Flooding

1 household applied for aid

2003

Hurricane Isabel

1 household applied for aid $994 aid approved $12K to the Town of Black Creek for repairs

1999

Hurricane Floyd Major Disaster Declarations

$89K to the Town of Black Creek for repairs

Wilson County has had 22 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. Black Creek covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Black Creek’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Town of Black Creek. 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 Black Creek total about $1.3M 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.