Natural hazards · Seaboard

Seaboard, NC natural hazards

Most of the natural-hazard damage FEMA expects in Seaboard comes from inland flooding, and overall the risk is moderate for a U.S. community. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Seaboard?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Seaboard to be higher than in 45% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding39%Hurricanes26%Drought13%Tornadoes10%Everything else13%

By hazard

What Seaboard faces

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

Inland flooding

39% of expected damage

Below average · higher than 48% of U.S. places

Recorded about once every 2 years in the area

Hurricanes

26% of expected damage

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

Recorded about once every 5 years in the area

Drought

13% of expected damage

Recorded about 9 times a year in the area

Tornadoes

10% of expected damage

Above average · higher than 72% of U.S. places

Recorded about once every 28 years in the area

Lower here

HailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightning

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 Seaboard flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Northampton County.

Disasters that hit Seaboard

4 federal disasters brought FEMA money here

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

Brought FEMA money into SeaboardDeclared for Northampton County only

2016

Hurricane Matthew

11 households applied for aid $8K aid approved

2011

Hurricane Irene

71 households applied for aid $20K aid approved $10K to the Town of Seaboard for repairs

2003

Hurricane Isabel

132 households applied for aid $115K aid approved $15K to the Town of Seaboard for repairs

1999

Hurricane Floyd Major Disaster Declarations

$19K to the Town of Seaboard for repairs

Northampton County has had 20 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. Seaboard 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 Seaboard’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Seaboard. 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.