Natural hazards · Chocowinity

Chocowinity, NC natural hazards

Most of the natural-hazard damage FEMA expects in Chocowinity comes from hurricanes, and overall the risk is very high for a U.S. community. Flood insurance has paid 7 claims here since 1998. 6 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Chocowinity?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Chocowinity to be higher than in 95% of U.S. communities, mostly from hurricanes.

Hurricanes74%Inland flooding10%Everything else16%

By hazard

What Chocowinity faces

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

Hurricanes

74% of expected damage

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

Recorded about once every 3 years in the area

Inland flooding

10% of expected damage

Well below average · higher than 18% 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 Chocowinity flood?

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

7paid claims since 1998

$121Kpaid to owners

1homes flooded more than once

19982026

Biggest named events

Hurricane Dennis: 3 claims, $71K
Hurricane Florence: 1 claim, $5K
Hurricane Irene: 1 claim, $9K

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. Chocowinity isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Beaufort County.

What’s been done with FEMA grants

7homes raised above flood level

1flood-prone properties bought out and cleared

Disasters that hit Chocowinity

6 federal disasters brought FEMA money here

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

Brought FEMA money into ChocowinityDeclared for Beaufort County only

2019

Hurricane Dorian

$58K to the Town of Chocowinity for repairs

2018

Hurricane Florence

191 households applied for aid $130K aid approved $125K to the Town of Chocowinity for repairs

2016

Hurricane Matthew

105 households applied for aid $37K aid approved $85K to the Town of Chocowinity for repairs

2011

Hurricane Irene

458 households applied for aid $518K aid approved

2010

Severe Storms, Flooding, and Straight-Line Winds

22 households applied for aid $21K aid approved

2003

Hurricane Isabel

95 households applied for aid $107K aid approved

Beaufort County has had 23 natural disasters declared since 1953, most often hurricanes and severe 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. Chocowinity 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 Chocowinity’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Chocowinity. 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.