Natural hazards · Pantego

Pantego, NC natural hazards

Most of the natural-hazard damage FEMA expects in Pantego comes from hurricanes, and overall the risk is very high for a U.S. community. Flood insurance has paid 15 claims here since 1996. 6 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Pantego?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Pantego to be higher than in 97% of U.S. communities, mostly from hurricanes.

Hurricanes75%Inland flooding12%Coastal flooding5%Everything else8%

By hazard

What Pantego faces

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

Hurricanes

75% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about once every 3 years in the area

Inland flooding

12% of expected damage

Below average · higher than 35% of U.S. places

Recorded about once a year in the area

Coastal flooding

5% of expected damage

Well above average · among the top 1% of U.S. places

Lower here

TornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

AvalanchesTsunamisVolcanic 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 Pantego flood?

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

15paid claims since 1996

$193Kpaid to owners

3homes flooded more than once

19962026

Biggest named events

Hurricane Florence: 5 claims, $78K
Hurricane Irene: 2 claims, $43K
Hurricane Isabel: 2 claims, $11K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Beaufort County.

Disasters that hit Pantego

6 federal disasters brought FEMA money here

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

Brought FEMA money into PantegoDeclared for Beaufort County only

2018

Hurricane Florence

23 households applied for aid $12K aid approved

2016

Hurricane Matthew

23 households applied for aid $21K aid approved

2011

Hurricane Irene

117 households applied for aid $110K aid approved $7K to the Town of Pantego for repairs

2010

Severe Storms, Flooding, and Straight-Line Winds

41 households applied for aid $48K aid approved

2003

Hurricane Isabel

127 households applied for aid $90K aid approved $2K to the Town of Pantego for repairs

1999

Hurricane Floyd Major Disaster Declarations

$2K to the Town of Pantego for repairs

Beaufort County has had 23 natural disasters declared since 1953, most often hurricanes and severe 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. Pantego 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 Pantego’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Pantego. 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.