Natural hazards · White Plains

White Plains, NC natural hazards

Most of the natural-hazard damage FEMA expects in White Plains comes from inland flooding, and overall the risk is moderate for a U.S. community.

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

Expected damage

How exposed is White Plains?

Moderate

vs. U.S. communities

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

Inland flooding60%Cold waves21%Tornadoes5%Everything else13%

By hazard

What White Plains faces

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

Inland flooding

60% of expected damage

Above average · higher than 66% of U.S. places

Recorded about 2 times a year in the area

Cold waves

21% of expected damage

Above average · higher than 55% of U.S. places

Recorded about once a year in the area

Tornadoes

5% of expected damage

Above average · higher than 55% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherHeat 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 White Plains flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Surry County.

Disasters that hit White Plains

Federal disasters declared here

None of the disasters declared for Surry County shows FEMA aid or repair money reaching White Plains itself in FEMA’s records.

Brought FEMA money into White PlainsDeclared for Surry County only

Surry County has had 17 natural disasters declared since 1953, most often hurricanes and winter storms.

Around White Plains

White Plains and the towns around it

Very lowLowModerateHighVery high

Mount Airymostly inland floodingHigh

White Plainsmostly 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. White Plains 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 White Plains’s own flood-insurance community; household aid to the registrant’s city; repair grants to White Plains. 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.