Natural hazards · Pinehurst

Pinehurst, NC natural hazards

Most of the natural-hazard damage FEMA expects in Pinehurst comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 30 claims here since 1998. 5 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Pinehurst?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Pinehurst to be higher than in 36% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding54%Hurricanes15%Tornadoes15%Everything else16%

By hazard

What Pinehurst faces

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

Inland flooding

54% of expected damage

Below average · higher than 41% of U.S. places

Recorded about once a year in the area

Hurricanes

15% of expected damage

Well above average · higher than 83% of U.S. places

Recorded about once every 6 years in the area

Tornadoes

15% of expected damage

Above average · higher than 70% of U.S. places

Lower here

HailIce 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 Pinehurst flood?

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

30paid claims since 1998

$898Kpaid to owners

7homes flooded more than once

19982026

Biggest named events

Hurricane Florence: 9 claims, $120K
2025 July TS Chantal: 9 claims, $400K
Hurricane Matthew: 4 claims, $184K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (1) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Moore County.

Disasters that hit Pinehurst

5 federal disasters brought FEMA money here

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

Brought FEMA money into PinehurstDeclared for Moore County only

2025

Tropical Depression Chantal

$45K to the Village of Pinehurst for repairs

2018

Hurricane Florence

44 households applied for aid $15K aid approved $253K to the Village of Pinehurst for repairs

2016

Hurricane Matthew

20 households applied for aid $9K aid approved $64K to the Village of Pinehurst for repairs

2002

Severe Ice Storm

$70K to the Village of Pinehurst for repairs

2000

Severe Winter Storm

$755K to the Village of Pinehurst for repairs

Moore County has had 18 natural disasters declared since 1953, most often hurricanes and winter storms.

Around Pinehurst

Pinehurst and the towns around it

Very lowLowModerateHighVery high

Pinehurstmostly inland floodingLow

Southern Pinesmostly inland floodingLow

Taylortownmostly inland floodingLow

Aberdeenmostly 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. Pinehurst covers 4 census tracts, combined by population.

Money that reached townFlood claims are matched to Pinehurst’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Pinehurst. 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 Pinehurst total about $4.7M 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.