Natural hazards · Fruitland

Fruitland, NC natural hazards

Most of the natural-hazard damage FEMA expects in Fruitland comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 1 claim here since 1983.

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

Expected damage

How exposed is Fruitland?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Fruitland to be higher than in 38% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding47%Cold waves24%Tornadoes7%Everything else22%

By hazard

What Fruitland faces

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

Inland flooding

47% of expected damage

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

Recorded about 3 times a year in the area

Cold waves

24% of expected damage

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

Recorded about 2 times a year in the area

Tornadoes

7% of expected damage

Above average · higher than 58% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingHeat wavesAvalanchesTsunamisVolcanic 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 Fruitland flood?

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

1paid claims since 1983

$1Kpaid to owners

0homes flooded more than once

19832026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Henderson County.

Disasters that hit Fruitland

Federal disasters declared here

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

Brought FEMA money into FruitlandDeclared for Henderson County only

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

Around Fruitland

Fruitland and the towns around it

Very lowLowModerateHighVery high

Fruitlandmostly inland floodingLow

Hendersonvillemostly 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. Fruitland covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Fruitland’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Fruitland. 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 Fruitland total about $1.1M 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.