Natural hazards · Elrod

Elrod, NC natural hazards

Most of the natural-hazard damage FEMA expects in Elrod comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 85 claims here since 2016.

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

Expected damage

How exposed is Elrod?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Elrod to be higher than in 77% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding36%Hurricanes23%Tornadoes19%Strong wind6%Everything else16%

By hazard

What Elrod 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

Above average · higher than 70% of U.S. places

Recorded about once a year in the area

Hurricanes

23% of expected damage

Well above average · higher than 90% of U.S. places

Recorded about once every 4 years in the area

Tornadoes

19% of expected damage

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

Recorded about once every 47 years in the area

Strong wind

6% of expected damage

Well above average · higher than 93% of U.S. places

Recorded about 3 times a year in the area

Lower here

HailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesLightningDrought

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 Elrod flood?

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

85paid claims since 2016

$1.6Mpaid to owners

0homes flooded more than once

20162026

Biggest named events

Hurricane Florence: 47 claims, $1.0M
Hurricane Matthew: 27 claims, $380K
Hurricane Debby: 3 claims, $77K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Robeson County.

Disasters that hit Elrod

Federal disasters declared here

None of the disasters declared for Robeson County shows FEMA aid or repair money reaching Elrod itself in FEMA’s records.

Brought FEMA money into ElrodDeclared for Robeson County only

Robeson County has had 18 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. Elrod covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Elrod’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Elrod. 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 Elrod total about $1.9M 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.