Natural hazards · Grandy

Grandy, NC natural hazards

Most of the natural-hazard damage FEMA expects in Grandy comes from hurricanes, and overall the risk is low for a U.S. community. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Grandy?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Grandy to be higher than in 33% of U.S. communities, mostly from hurricanes and inland flooding.

Hurricanes39%Inland flooding34%Lightning5%Everything else22%

By hazard

What Grandy faces

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

Hurricanes

39% of expected damage

Well above average · higher than 88% of U.S. places

Recorded about once every 3 years in the area

Inland flooding

34% of expected damage

Well below average · higher than 12% of U.S. places

Recorded about once every 2 years in the area

Lightning

5% of expected damage

Below average · higher than 38% of U.S. places

Lower here

Coastal floodingTornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windDrought

Not a risk here

AvalanchesTsunamisVolcanic 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 Grandy flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Currituck County.

What’s been done with FEMA grants

2homes raised above flood level

Disasters that hit Grandy

3 federal disasters brought FEMA money here

Disasters the President declared that paid out in Grandy itself: aid to households, or repair grants to Grandy.

Brought FEMA money into GrandyDeclared for Currituck County only

2016

Hurricane Matthew

38 households applied for aid $38K aid approved

2011

Hurricane Irene

100 households applied for aid $160K aid approved

2003

Hurricane Isabel

87 households applied for aid $44K aid approved

Currituck County has had 18 natural disasters declared since 1953, most often hurricanes and winter 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. Grandy 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 Grandy’s own flood-insurance community; household aid to the registrant’s city; repair grants to Grandy. 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.