Natural hazards · Whispering Pines

Whispering Pines, NC natural hazards

Most of the natural-hazard damage FEMA expects in Whispering Pines comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 12 claims here since 2016. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Whispering Pines?

Moderate

vs. U.S. communities

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

Inland flooding57%Tornadoes14%Hurricanes11%Everything else18%

By hazard

What Whispering Pines faces

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

Inland flooding

57% of expected damage

Above average · higher than 70% of U.S. places

Recorded about once a year in the area

Tornadoes

14% of expected damage

Above average · higher than 70% of U.S. places

Hurricanes

11% of expected damage

Well above average · higher than 83% of U.S. places

Recorded about once every 6 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 Whispering Pines flood?

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

12paid claims since 2016

$388Kpaid to owners

2homes flooded more than once

20162026

Biggest named events

Hurricane Florence: 7 claims, $152K
2025 July TS Chantal: 4 claims, $235K
Hurricane Matthew: 1 claim, $590

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. Whispering Pines isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Moore County.

Disasters that hit Whispering Pines

3 federal disasters brought FEMA money here

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

Brought FEMA money into Whispering PinesDeclared for Moore County only

2018

Hurricane Florence

16 households applied for aid $37K aid approved

2016

Hurricane Matthew

12 households applied for aid $4K aid approved

2002

Severe Ice Storm

$10K to the Village of Whispering Pines for repairs

Moore County has had 18 natural disasters declared since 1953, most often hurricanes and winter storms.

Around Whispering Pines

Whispering Pines and the towns around it

Very lowLowModerateHighVery high

Whispering Pinesmostly inland floodingModerate

Southern Pinesmostly 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. Whispering Pines covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Whispering Pines’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Whispering Pines. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Whispering Pines total about $2.1M a year, counting buildings, people and crops.

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.