Natural hazards · Iron Station

Iron Station, NC natural hazards

Most of the natural-hazard damage FEMA expects in Iron Station comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 1 claim here since 2020. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Iron Station?

Low

vs. U.S. communities

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

Inland flooding65%Tornadoes13%Everything else22%

By hazard

What Iron Station faces

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

Inland flooding

65% of expected damage

Above average · higher than 57% of U.S. places

Recorded about once a year in the area

Tornadoes

13% of expected damage

Above average · higher than 68% of U.S. places

Recorded about once every 99 years in the area

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

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 Iron Station flood?

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

1paid claims since 2020

$5Kpaid to owners

0homes flooded more than once

20202026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Lincoln County.

Disasters that hit Iron Station

1 federal disaster brought FEMA money here

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

Brought FEMA money into Iron StationDeclared for Lincoln County only

2024

Tropical Storm Helene

188 households applied for aid $140K aid approved

Lincoln 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. Iron Station covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Iron Station’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Iron Station. 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 Iron Station total about $1.5M 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.