Natural hazards · Stedman

Stedman, NC natural hazards

Most of the natural-hazard damage FEMA expects in Stedman comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 1 claim here since 2016. 5 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Stedman?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Stedman to be higher than in 42% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding43%Hurricanes23%Tornadoes11%Heat waves6%Everything else17%

By hazard

What Stedman faces

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

Inland flooding

43% of expected damage

Below average · higher than 38% of U.S. places

Recorded about 2 times a year in the area

Hurricanes

23% of expected damage

Well above average · higher than 86% of U.S. places

Recorded about once every 4 years in the area

Tornadoes

11% of expected damage

Above average · higher than 59% of U.S. places

Recorded about once every 58 years in the area

Heat waves

6% of expected damage

Above average · higher than 58% of U.S. places

Recorded about 9 times a year in the area

Lower here

HailIce stormsWinter weatherCold 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 Stedman flood?

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

1paid claims since 2016

$6Kpaid to owners

0homes flooded more than once

20162026

Biggest named events

Hurricane Matthew: 1 claim, $6K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Cumberland County.

Disasters that hit Stedman

5 federal disasters brought FEMA money here

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

Brought FEMA money into StedmanDeclared for Cumberland County only

2018

Hurricane Florence

167 households applied for aid $77K aid approved $124K to the Town of Stedman for repairs

2016

Hurricane Matthew

293 households applied for aid $178K aid approved

2011

Severe Storms, Tornadoes, and Flooding

2 households applied for aid

2004

Tropical Storm Frances

1 household applied for aid $117 aid approved

2003

Hurricane Isabel

5 households applied for aid $2K aid approved

Cumberland County has had 18 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. Stedman 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 Stedman’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Stedman. 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.