Natural hazards · Wesley Chapel

Wesley Chapel, NC natural hazards

Most of the natural-hazard damage FEMA expects in Wesley Chapel comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 4 claims here since 2015. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Wesley Chapel?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Wesley Chapel to be higher than in 81% of U.S. communities, mostly from inland flooding.

Inland flooding79%Tornadoes9%Everything else12%

By hazard

What Wesley Chapel faces

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

Inland flooding

79% of expected damage

Well above average · higher than 93% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

9% of expected damage

Above average · higher than 74% of U.S. places

Lower here

HurricanesHailIce 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 Wesley Chapel flood?

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

4paid claims since 2015

$464Kpaid to owners

1homes flooded more than once

20152026

Biggest named events

Hurricane Florence: 1 claim, $59K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Union County.

Disasters that hit Wesley Chapel

1 federal disaster brought FEMA money here

Disasters the President declared that paid out in Wesley Chapel itself: aid to households, or repair grants to the Village of Wesley Chapel.

Brought FEMA money into Wesley ChapelDeclared for Union County only

2024

Tropical Storm Helene

$47K to the Village of Wesley Chapel for repairs

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

Around Wesley Chapel

Wesley Chapel and the towns around it

Very lowLowModerateHighVery high

Wesley Chapelmostly inland floodingVery high

Waxhawmostly inland floodingHigh

Weddingtonmostly inland floodingHigh

Indian Trailmostly inland floodingHigh

Monroemostly inland floodingModerate

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. Wesley Chapel 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 Wesley Chapel’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Wesley Chapel. 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.