Natural hazards · Elroy

Elroy, NC natural hazards

Most of the natural-hazard damage FEMA expects in Elroy comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 24 claims here since 1996.

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

Expected damage

How exposed is Elroy?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Elroy to be higher than in 65% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding39%Hurricanes38%Tornadoes9%Everything else14%

By hazard

What Elroy faces

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

Inland flooding

39% of expected damage

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

Recorded about once a year in the area

Hurricanes

38% of expected damage

Well above average · higher than 91% of U.S. places

Recorded about once every 3 years in the area

Tornadoes

9% of expected damage

Above average · higher than 56% of U.S. places

Recorded about once every 84 years in the area

Lower here

HailIce stormsWinter weatherCold wavesHeat 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 Elroy flood?

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

24paid claims since 1996

$766Kpaid to owners

0homes flooded more than once

19962026

Biggest named events

Hurricane Matthew: 13 claims, $518K
Hurricane Floyd: 5 claims, $185K
Hurricane Florence: 3 claims, $47K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Wayne County.

Disasters that hit Elroy

Federal disasters declared here

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

Brought FEMA money into ElroyDeclared for Wayne County only

Wayne County has had 21 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. Elroy covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Elroy’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Elroy. 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 Elroy total about $2.0M 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.