Natural hazards · Coinjock

Coinjock, NC natural hazards

Most of the natural-hazard damage FEMA expects in Coinjock comes from inland flooding, and overall the risk is low 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 Coinjock?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Coinjock to be higher than in 34% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding36%Hurricanes33%Lightning6%Coastal flooding5%Tornadoes5%Everything else15%

By hazard

What Coinjock faces

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

Inland flooding

36% of expected damage

Well below average · higher than 20% of U.S. places

Recorded about once every 2 years in the area

Hurricanes

33% of expected damage

Well above average · higher than 87% of U.S. places

Recorded about once every 4 years in the area

Lightning

6% of expected damage

Below average · higher than 37% of U.S. places

Coastal flooding

5% of expected damage

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

Tornadoes

5% of expected damage

Below average · higher than 46% of U.S. places

Recorded about once every 35 years in the area

Lower here

HailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong wind

Not a risk here

DroughtAvalanchesTsunamisVolcanic 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 Coinjock flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Currituck County.

Disasters that hit Coinjock

3 federal disasters brought FEMA money here

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

Brought FEMA money into CoinjockDeclared for Currituck County only

2016

Hurricane Matthew

6 households applied for aid $2K aid approved

2011

Hurricane Irene

8 households applied for aid $16K aid approved

2003

Hurricane Isabel

16 households applied for aid $782 aid approved

Currituck County has had 18 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. Coinjock 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 Coinjock’s own flood-insurance community; household aid to the registrant’s city; repair grants to Coinjock. 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.