Natural hazards · Davidson

Davidson, NC natural hazards

Most of the natural-hazard damage FEMA expects in Davidson comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 2 claims here since 2019. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Davidson?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Davidson to be higher than in 11% of U.S. communities, mostly from inland flooding.

Inland flooding69%Tornadoes11%Earthquakes8%Everything else13%

By hazard

What Davidson faces

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

Inland flooding

69% of expected damage

Below average · higher than 26% of U.S. places

Recorded about 4 times a year in the area

Tornadoes

11% of expected damage

Above average · higher than 51% of U.S. places

Earthquakes

8% of expected damage

Above average · higher than 59% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat wavesWildfireLandslidesStrong 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 Davidson flood?

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

2paid claims since 2019

$25Kpaid to owners

0homes flooded more than once

20192026

Biggest named events

Hurricane Isaias: 1 claim, $20K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Mecklenburg County.

Disasters that hit Davidson

2 federal disasters brought FEMA money here

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

Brought FEMA money into DavidsonDeclared for Mecklenburg County only

2024

Tropical Storm Helene

36 households applied for aid $24K aid approved

2002

Severe Ice Storm

$54K to the Town of Davidson for repairs

Mecklenburg County has had 15 natural disasters declared since 1953, most often hurricanes and winter storms.

Around Davidson

Davidson and the towns around it

Very lowLowModerateHighVery high

Kannapolismostly inland floodingModerate

Corneliusmostly inland floodingLow

Davidsonmostly inland floodingVery low

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. Davidson covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Davidson’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Davidson. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Davidson total about $1.3M a year, counting buildings, people and crops.

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.