Natural hazards · Havelock

Havelock, NC natural hazards

Most of the natural-hazard damage FEMA expects in Havelock comes from hurricanes, and overall the risk is very high for a U.S. community. Flood insurance has paid 135 claims here since 1998. 10 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Havelock?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Havelock to be higher than in 99% of U.S. communities, mostly from hurricanes.

Hurricanes88%Inland flooding6%Everything else6%

By hazard

What Havelock faces

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

Hurricanes

88% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about once every 2 years in the area

Inland flooding

6% of expected damage

Well below average · higher than 11% of U.S. places

Recorded about once a year 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 Havelock flood?

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

135paid claims since 1998

$5.2Mpaid to owners

18homes flooded more than once

19982026

Biggest named events

Hurricane Florence: 69 claims, $3.8M
Hurricane Irene: 16 claims, $804K
Hurricane Dennis: 7 claims, $45K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (3) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

🏷️ 15% off flood insurance. Havelock is in FEMA’s Community Rating System (class 7) for its flood-proofing work.

Insurance rates: Craven County.

What’s been done with FEMA grants

10homes raised above flood level

Disasters that hit Havelock

10 federal disasters brought FEMA money here

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

Brought FEMA money into HavelockDeclared for Craven County only

2019

Hurricane Dorian

$31K to the City of Havelock for repairs

2018

Hurricane Florence

2,604 households applied for aid $2.5M aid approved $4.0M to the City of Havelock for repairs

2016

Hurricane Matthew

31 households applied for aid $6K aid approved $31K to the City of Havelock for repairs

2011

Hurricane Irene

385 households applied for aid $481K aid approved $223K to the City of Havelock for repairs

2011

Severe Storms, Tornadoes, and Flooding

1 household applied for aid

2010

Severe Storms, Flooding, and Straight-Line Winds

22 households applied for aid $30K aid approved

2005

Hurricane Ophelia

$79K to the City of Havelock for repairs

2003

Hurricane Isabel

253 households applied for aid $445K aid approved $80K to the City of Havelock for repairs

1999

Hurricane Floyd Major Disaster Declarations

$37K to the City of Havelock for repairs

1999

Hurricane Dennis

$14K to the City of Havelock for repairs

Craven 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. Havelock covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Havelock’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Havelock. 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 Havelock total about $4.2M 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.