Natural hazards · Raeford

Raeford, NC natural hazards

Most of the natural-hazard damage FEMA expects in Raeford comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 1 claim here since 2016. 6 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Raeford?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Raeford to be higher than in 26% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding29%Hurricanes22%Tornadoes21%Earthquakes10%Everything else19%

By hazard

What Raeford faces

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

Inland flooding

29% of expected damage

Well below average · higher than 7% of U.S. places

Recorded about once a year in the area

Hurricanes

22% of expected damage

Well above average · higher than 85% of U.S. places

Recorded about once every 5 years in the area

Tornadoes

21% of expected damage

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

Earthquakes

10% of expected damage

Above average · higher than 71% of U.S. places

Lower here

HailIce stormsWinter weatherCold wavesHeat wavesWildfireLandslidesStrong 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 Raeford flood?

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

1paid claims since 2016

$5Kpaid to owners

0homes flooded more than once

20162026

Biggest named events

Hurricane Matthew: 1 claim, $5K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Hoke County.

Disasters that hit Raeford

6 federal disasters brought FEMA money here

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

Brought FEMA money into RaefordDeclared for Hoke County only

2018

Hurricane Florence

1,155 households applied for aid $225K aid approved $157K to the City of Raeford for repairs

2016

Hurricane Matthew

1,439 households applied for aid $421K aid approved $629K to the City of Raeford for repairs

2011

Severe Storms, Tornadoes, and Flooding

82 households applied for aid $6K aid approved

2004

Tropical Storm Frances

72 households applied for aid $54K aid approved

2000

Severe Winter Storm

$8K to the City of Raeford for repairs

1999

Hurricane Floyd Major Disaster Declarations

$28K to the City of Raeford for repairs

Hoke County has had 14 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. Raeford covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Raeford’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Raeford. 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 Raeford total about $1.6M 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.