Natural hazards · Stem

Stem, NC natural hazards

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

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Stem to be higher than in 49% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding53%Hurricanes19%Tornadoes11%Everything else18%

By hazard

What Stem faces

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

Inland flooding

53% of expected damage

Above average · higher than 57% of U.S. places

Recorded about once every 2 years in the area

Hurricanes

19% of expected damage

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

Recorded about once every 6 years in the area

Tornadoes

11% of expected damage

Above average · higher than 62% of U.S. places

Recorded about once every 31 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 Stem flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Granville County.

Disasters that hit Stem

1 federal disaster brought FEMA money here

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

Brought FEMA money into StemDeclared for Granville County only

2003

Hurricane Isabel

5 households applied for aid $2K aid approved

Granville County has had 22 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. Stem 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 Stem’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Stem. 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.