Natural hazards · Lincolnton

Lincolnton, NC natural hazards

Most of the natural-hazard damage FEMA expects in Lincolnton comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 1 claim here since 2013. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Lincolnton?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lincolnton to be higher than in 47% of U.S. communities, mostly from inland flooding.

Inland flooding75%Tornadoes9%Everything else16%

By hazard

What Lincolnton faces

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

Inland flooding

75% of expected damage

Above average · higher than 69% of U.S. places

Recorded about once a year in the area

Tornadoes

9% of expected damage

Above average · higher than 61% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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 Lincolnton flood?

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

1paid claims since 2013

$4Kpaid to owners

0homes flooded more than once

20132026

of homes in flood zones
are insured

of all homes
are insured

No community discount. Lincolnton 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 Lincolnton

3 federal disasters brought FEMA money here

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

Brought FEMA money into LincolntonDeclared for Lincoln County only

2024

Tropical Storm Helene

1,568 households applied for aid $1.1M aid approved $419K to the City of Lincolnton for repairs

2013

Severe Storms, Flooding, Landslides, Mudslides

$336K to the City of Lincolnton for repairs

2002

Severe Ice Storm

$184K to the City of Lincolnton for repairs

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. Lincolnton covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Lincolnton’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Lincolnton. 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 Lincolnton total about $2.0M 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.