Natural hazards · Five Points

Five Points, NC natural hazards

Most of the natural-hazard damage FEMA expects in Five Points comes from hurricanes, and overall the risk is moderate for a U.S. community.

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

Expected damage

How exposed is Five Points?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Five Points to be higher than in 41% of U.S. communities, mostly from hurricanes and inland flooding.

Hurricanes33%Inland flooding25%Tornadoes16%Wildfire6%Everything else21%

By hazard

What Five Points faces

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

Hurricanes

33% of expected damage

Well above average · higher than 85% of U.S. places

Recorded about once every 5 years in the area

Inland flooding

25% of expected damage

Well below average · higher than 24% of U.S. places

Recorded about once a year in the area

Tornadoes

16% of expected damage

Well above average · higher than 81% of U.S. places

Recorded about once every 38 years in the area

Wildfire

6% of expected damage

Well above average · higher than 94% of U.S. places

Lower here

HailIce stormsWinter weatherCold wavesHeat wavesEarthquakesLandslidesStrong 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 Five Points flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Hoke County.

Disasters that hit Five Points

Federal disasters declared here

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

Brought FEMA money into Five PointsDeclared for Hoke County only

Hoke County has had 14 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. Five Points 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 Five Points’s own flood-insurance community; household aid to the registrant’s city; repair grants to Five Points. 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.