Natural hazards · Cooleemee

Cooleemee, NC natural hazards

Most of the natural-hazard damage FEMA expects in Cooleemee comes from inland flooding, and overall the risk is moderate for a U.S. community. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Cooleemee?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Cooleemee to be higher than in 53% of U.S. communities, mostly from inland flooding.

Inland flooding65%Cold waves10%Tornadoes6%Everything else19%

By hazard

What Cooleemee faces

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

Inland flooding

65% of expected damage

Above average · higher than 73% of U.S. places

Recorded about once every 3 years in the area

Cold waves

10% of expected damage

Well below average · higher than 18% of U.S. places

Recorded about once every 2 years in the area

Tornadoes

6% of expected damage

Above average · higher than 50% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic 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 Cooleemee flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Davie County.

Disasters that hit Cooleemee

1 federal disaster brought FEMA money here

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

Brought FEMA money into CooleemeeDeclared for Davie County only

2002

Severe Ice Storm

$5K to the Town of Cooleemee for repairs

Davie 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. Cooleemee 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 Cooleemee’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Cooleemee. 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.