Farmington’s biggest natural hazard is inland flooding
Most of the natural-hazard damage FEMA expects in Farmington comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 1 claim here since 1997.
What stands out about Farmington’s weather risks
Read from FEMA’s records below. The page puts what stands out first.
Does Farmington flood? Rarely: 1 flood claim since 1997
Every paid claim on a federal flood insurance policy in Farmington, from FEMA’s records.
Farmington 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.How exposed is Farmington?
FEMA expects yearly storm and flood damage to homes and buildings here to be higher than in 46% of U.S. communities, mostly from inland flooding.
Calmer than 455 of the 772 North Carolina towns we cover.
Farmington covers 1 census tract, combined by population.
What Farmington faces
Each hazard’s share of the damage FEMA expects here, and how it compares with the rest of the country.
Inland flooding
Cold waves
Tornadoes
Federal disasters declared here
None of the disasters declared for Davie County shows FEMA aid or repair money reaching Farmington itself in FEMA’s records.
Davie County has had 20 natural disasters declared since 1953, most often hurricanes and winter storms.
Get ready for what Farmington actually faces
A short kit for its top hazards, what to check before you buy, and where neighbors get alerts.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- Let faucets drip so pipes don’t freeze.
- Know where your water shutoff is.
- Never heat the house with the oven or a grill.
- Pick your spot now: the lowest floor, an inside room, no windows.
- A watch means be ready; a warning means take cover now.
- Keep shoes and a flashlight by the bed.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Most disasters here begin in August–October
The month each of Davie County’s 20 declared disasters began, since 1953.
What these numbers can and can’t tell you
- An average, not a forecast. FEMA’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 there, so a big city isn’t rated riskier just for having more buildings.
- Money that reached town. Flood claims are matched to Farmington’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Farmington.
- It follows property value. FEMA’s model weighs damage to buildings, so a place that recently lost many homes can rate lower than it feels. Across Farmington, expected losses total about $1.7M a year, counting buildings, people and crops.
Storm stories
Memories, warnings and help from neighbors in Farmington.
Your answer becomes a post in Town Square.
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. Preparedness tips: Ready.gov. An average of past damage, not a forecast.