Natural hazards · Cashiers

Cashiers, NC natural hazards

Most of the natural-hazard damage FEMA expects in Cashiers comes from inland flooding, and overall the risk is moderate for a U.S. community. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Cashiers?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Cashiers to be higher than in 45% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding63%Cold waves17%Tornadoes7%Everything else13%

By hazard

What Cashiers faces

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

Inland flooding

63% of expected damage

Above average · higher than 64% of U.S. places

Recorded about once a year in the area

Cold waves

17% of expected damage

Well above average · higher than 97% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

7% of expected damage

Above average · higher than 64% of U.S. places

Recorded about once every 33 years in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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 Cashiers flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Jackson County.

Disasters that hit Cashiers

3 federal disasters brought FEMA money here

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

Brought FEMA money into CashiersDeclared for Jackson County only

2024

Tropical Storm Helene

56 households applied for aid $97K aid approved

2004

Hurricane Ivan

12 households applied for aid $10K aid approved

2004

Tropical Storm Frances

1 household applied for aid $22K aid approved

Jackson County has had 16 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. Cashiers 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 Cashiers’s own flood-insurance community; household aid to the registrant’s city; repair grants to Cashiers. 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.