Natural hazards · Red Cross

Red Cross, NC natural hazards

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

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

Expected damage

How exposed is Red Cross?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Red Cross to be higher than in 58% of U.S. communities, mostly from inland flooding.

Inland flooding64%Tornadoes11%Hurricanes6%Everything else20%

By hazard

What Red Cross faces

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

Inland flooding

64% of expected damage

Well above average · higher than 75% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

11% of expected damage

Above average · higher than 68% of U.S. places

Hurricanes

6% of expected damage

Well above average · higher than 78% of U.S. places

Recorded about once every 10 years in the area

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 Red Cross flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Stanly County.

Disasters that hit Red Cross

Federal disasters declared here

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

Brought FEMA money into Red CrossDeclared for Stanly County only

Stanly County has had 16 natural disasters declared since 1953, most often hurricanes and winter storms.

Around Red Cross

Red Cross and the towns around it

Very lowLowModerateHighVery high

Red Crossmostly inland floodingModerate

Oakboromostly inland floodingModerate

Locustmostly 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. Red Cross 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 Red Cross’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Red Cross. 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.