Natural hazards · Northlakes

Northlakes, NC natural hazards

Most of the natural-hazard damage FEMA expects in Northlakes comes from inland flooding, and overall the risk is high for a U.S. community.

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

Expected damage

How exposed is Northlakes?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Northlakes to be higher than in 61% of U.S. communities, mostly from inland flooding.

Inland flooding78%Tornadoes7%Everything else15%

By hazard

What Northlakes faces

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

Inland flooding

78% of expected damage

Well above average · higher than 81% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

7% of expected damage

Above average · higher than 60% of U.S. places

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 Northlakes flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Caldwell County.

Disasters that hit Northlakes

Federal disasters declared here

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

Brought FEMA money into NorthlakesDeclared for Caldwell County only

Caldwell County has had 20 natural disasters declared since 1953, most often hurricanes and winter storms.

Around Northlakes

Northlakes and the towns around it

Very lowLowModerateHighVery high

Northlakesmostly inland floodingHigh

Hickorymostly inland floodingLow

Granite Fallsmostly inland floodingLow

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. Northlakes 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 Northlakes’s own flood-insurance community; household aid to the registrant’s city; repair grants to Northlakes. 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.