Natural hazards · Lowgap

Lowgap, NC natural hazards

Most of the natural-hazard damage FEMA expects in Lowgap comes from inland flooding, and overall the risk is moderate for a U.S. community. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Lowgap?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lowgap to be higher than in 41% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding53%Cold waves27%Tornadoes5%Everything else15%

By hazard

What Lowgap faces

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

Inland flooding

53% of expected damage

Above average · higher than 64% of U.S. places

Recorded about 2 times a year in the area

Cold waves

27% of expected damage

Above average · higher than 55% of U.S. places

Recorded about once a year in the area

Tornadoes

5% of expected damage

Above average · higher than 55% of U.S. places

Recorded about once every 65 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 Lowgap flood?

FEMA's records show no paid flood insurance claims in Lowgap.

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Surry County.

Disasters that hit Lowgap

1 federal disaster brought FEMA money here

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

Brought FEMA money into LowgapDeclared for Surry County only

2024

Tropical Storm Helene

24 households applied for aid $63K aid approved

Surry County has had 17 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. Lowgap 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 Lowgap’s own flood-insurance community; household aid to the registrant’s city; repair grants to Lowgap. 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.