Natural hazards · Broad Creek

Broad Creek, NC natural hazards

Most of the natural-hazard damage FEMA expects in Broad Creek comes from hurricanes, and overall the risk is very high for a U.S. community. Flood insurance has paid 120 claims here since 1996.

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

Expected damage

How exposed is Broad Creek?

Very high

vs. U.S. communities

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

Hurricanes91%Everything else9%

By hazard

What Broad Creek faces

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

Hurricanes

91% of expected damage

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

Recorded about once every 2 years in the area

Lower here

Inland floodingCoastal floodingTornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

AvalanchesTsunamisVolcanic activity

Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.

Flood insurance claims

Does Broad Creek flood?

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

120paid claims since 1996

$3.5Mpaid to owners

0homes flooded more than once

19962026

Biggest named events

Hurricane Florence: 43 claims, $2.4M
Hurricane Floyd: 32 claims, $522K
Hurricane Ophelia: 15 claims, $181K

of homes in flood zones
are insured

of all homes
are insured

No community discount. Broad 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: Carteret County.

Disasters that hit Broad Creek

Federal disasters declared here

None of the disasters declared for Carteret County shows FEMA aid or repair money reaching Broad Creek itself in FEMA’s records.

Brought FEMA money into Broad CreekDeclared for Carteret County only

Carteret 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. Broad Creek covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Broad Creek’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Broad 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 Broad Creek total about $2.8M 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.