Natural hazards · Cape Colony

Cape Colony, NC natural hazards

Most of the natural-hazard damage FEMA expects in Cape Colony comes from hurricanes, and overall the risk is very high for a U.S. community.

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

Expected damage

How exposed is Cape Colony?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Cape Colony to be higher than in 82% of U.S. communities, mostly from hurricanes.

Hurricanes66%Inland flooding15%Heat waves6%Everything else14%

By hazard

What Cape Colony faces

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

Hurricanes

66% of expected damage

Well above average · higher than 95% of U.S. places

Recorded about once every 3 years in the area

Inland flooding

15% of expected damage

Well below average · higher than 14% of U.S. places

Recorded about once every 3 years in the area

Heat waves

6% of expected damage

Above average · higher than 53% of U.S. places

Recorded about 7 times a year in the area

Lower here

Coastal floodingTornadoesHailIce stormsWinter weatherCold 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 Cape Colony flood?

FEMA's records show no paid flood insurance claims in Cape Colony.

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Chowan County.

Disasters that hit Cape Colony

Federal disasters declared here

None of the disasters declared for Chowan County shows FEMA aid or repair money reaching Cape Colony itself in FEMA’s records.

Brought FEMA money into Cape ColonyDeclared for Chowan County only

Chowan County has had 19 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. Cape Colony 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 Cape Colony’s own flood-insurance community; household aid to the registrant’s city; repair grants to Cape Colony. 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.