Natural hazards · JAARS

JAARS, NC natural hazards

Most of the natural-hazard damage FEMA expects in JAARS comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 1 claim here since 2024.

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

Expected damage

How exposed is JAARS?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in JAARS to be higher than in 49% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding55%Tornadoes20%Cold waves5%Everything else20%

By hazard

What JAARS faces

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

Inland flooding

55% of expected damage

Above average · higher than 67% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

20% of expected damage

Above average · higher than 74% of U.S. places

Recorded about once every 60 years in the area

Cold waves

5% of expected damage

Above average · higher than 65% of U.S. places

Recorded about once every 3 years in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat 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 JAARS flood?

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

1paid claims since 2024

$41Kpaid to owners

0homes flooded more than once

20242026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Union County.

Disasters that hit JAARS

Federal disasters declared here

None of the disasters declared for Union County shows FEMA aid or repair money reaching JAARS itself in FEMA’s records.

Brought FEMA money into JAARSDeclared for Union County only

Union County has had 16 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. JAARS covers 1 census tract, combined by population.

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