Natural hazards · Bogue

Bogue, NC natural hazards

Most of the natural-hazard damage FEMA expects in Bogue comes from hurricanes, and overall the risk is very high for a U.S. community. Flood insurance has paid 16 claims here since 1996. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Bogue?

Very high

vs. U.S. communities

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

Hurricanes82%Inland flooding11%Everything else7%

By hazard

What Bogue faces

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

Hurricanes

82% 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

11% of expected damage

Below average · higher than 39% of U.S. places

Recorded about once a year 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 Bogue flood?

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

16paid claims since 1996

$672Kpaid to owners

2homes flooded more than once

19962026

Biggest named events

Hurricane Florence: 8 claims, $569K
Hurricane Ophelia: 2 claims, $45K
Hurricane Floyd: 2 claims, $43K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Carteret County.

Disasters that hit Bogue

3 federal disasters brought FEMA money here

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

Brought FEMA money into BogueDeclared for Carteret County only

2018

Hurricane Florence

$78K to the Town of Bogue for repairs

2011

Hurricane Irene

$8K to the Town of Bogue for repairs

1999

Hurricane Floyd Major Disaster Declarations

$1K to the Town of Bogue for repairs

Carteret County has had 20 natural disasters declared since 1953, most often hurricanes and winter storms.

Around Bogue

Bogue and the towns around it

Very lowLowModerateHighVery high

Boguemostly hurricanesVery high

Cape Carteretmostly hurricanesVery high

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. Bogue 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 Bogue’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Bogue. 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.