Natural hazards · Polkville

Polkville, NC natural hazards

Most of the natural-hazard damage FEMA expects in Polkville comes from inland flooding, and overall the risk is low 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 Polkville?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Polkville to be higher than in 38% of U.S. communities, mostly from inland flooding.

Inland flooding55%Tornadoes11%Everything else35%

By hazard

What Polkville faces

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

Inland flooding

55% of expected damage

Above average · higher than 56% of U.S. places

Recorded about once every 2 years in the area

Tornadoes

11% of expected damage

Above average · higher than 66% of U.S. places

Recorded about once every 55 years in the area

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 Polkville flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Cleveland County.

Disasters that hit Polkville

1 federal disaster brought FEMA money here

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

Brought FEMA money into PolkvilleDeclared for Cleveland County only

2024

Tropical Storm Helene

3 households applied for aid $2K aid approved $6K to the City of Polkville for repairs

Cleveland 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. Polkville covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Polkville’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Polkville. 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 Polkville total about $716K 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.