Natural hazards · Harrellsville

Harrellsville, NC natural hazards

Most of the natural-hazard damage FEMA expects in Harrellsville comes from hurricanes, and overall the risk is high for a U.S. community. 5 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Harrellsville?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Harrellsville to be higher than in 79% of U.S. communities, mostly from hurricanes and inland flooding.

Hurricanes62%Inland flooding22%Everything else16%

By hazard

What Harrellsville faces

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

Hurricanes

62% of expected damage

Well above average · higher than 95% of U.S. places

Recorded about once every 4 years in the area

Inland flooding

22% of expected damage

Below average · higher than 32% of U.S. places

Recorded about once every 2 years in the area

Lower here

Coastal floodingTornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

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 Harrellsville flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Hertford County.

Disasters that hit Harrellsville

5 federal disasters brought FEMA money here

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

Brought FEMA money into HarrellsvilleDeclared for Hertford County only

2016

Hurricane Matthew

13 households applied for aid $6K aid approved

2011

Hurricane Irene

24 households applied for aid $55K aid approved

2011

Severe Storms, Tornadoes, and Flooding

33 households applied for aid $75K aid approved

2010

Severe Storms, Flooding, and Straight-Line Winds

15 households applied for aid $1K aid approved

2003

Hurricane Isabel

197 households applied for aid $121K aid approved $19K to the Town of Harrellsville for repairs

Hertford County has had 22 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. Harrellsville 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 Harrellsville’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Harrellsville. 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.