Natural hazards · Hobgood

Hobgood, NC natural hazards

Most of the natural-hazard damage FEMA expects in Hobgood comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 1 claim here since 2003. 5 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Hobgood?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hobgood to be higher than in 35% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding40%Hurricanes24%Drought12%Tornadoes10%Everything else14%

By hazard

What Hobgood faces

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

Inland flooding

40% of expected damage

Below average · higher than 33% of U.S. places

Recorded about once a year in the area

Hurricanes

24% of expected damage

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

Recorded about once every 5 years in the area

Drought

12% of expected damage

Recorded about 10 times a year in the area

Tornadoes

10% of expected damage

Above average · higher than 72% of U.S. places

Recorded about once every 13 years in the area

Lower here

HailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightning

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 Hobgood flood?

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

1paid claims since 2003

$2Kpaid to owners

0homes flooded more than once

20032026

Biggest named events

Hurricane Isabel: 1 claim, $2K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Halifax County.

Disasters that hit Hobgood

5 federal disasters brought FEMA money here

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

Brought FEMA money into HobgoodDeclared for Halifax County only

2016

Hurricane Matthew

22 households applied for aid $16K aid approved

2011

Hurricane Irene

44 households applied for aid $32K aid approved $17K to the Town of Hobgood for repairs

2011

Severe Storms, Tornadoes, and Flooding

1 household applied for aid

2003

Hurricane Isabel

72 households applied for aid $46K aid approved $23K to the Town of Hobgood for repairs

1999

Hurricane Floyd Major Disaster Declarations

$76K to the Town of Hobgood for repairs

Halifax County has had 21 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. Hobgood 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 Hobgood’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Hobgood. 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.