Natural hazards · Luray

Luray, SC natural hazards

Most of the natural-hazard damage FEMA expects in Luray comes from hurricanes, and overall the risk is very high for a U.S. community. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Luray?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Luray to be higher than in 80% of U.S. communities, mostly from hurricanes.

Hurricanes47%Inland flooding13%Heat waves8%Earthquakes8%Strong wind7%Tornadoes6%Everything else12%

By hazard

What Luray faces

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

Hurricanes

47% of expected damage

Well above average · higher than 95% of U.S. places

Recorded about once every 5 years in the area

Inland flooding

13% of expected damage

Well below average · higher than 16% of U.S. places

Recorded about once every 3 years in the area

Heat waves

8% of expected damage

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

Recorded about 8 times a year in the area

Earthquakes

8% of expected damage

Well above average · higher than 80% of U.S. places

Strong wind

7% of expected damage

Below average · higher than 48% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

6% of expected damage

Above average · higher than 52% of U.S. places

Recorded about once every 32 years in the area

Lower here

HailIce stormsWinter weatherCold wavesWildfireLandslidesLightning

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 Luray flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Hampton County.

Disasters that hit Luray

2 federal disasters brought FEMA money here

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

Brought FEMA money into LurayDeclared for Hampton County only

2024

Hurricane Helene

47 households applied for aid $35K aid approved

2016

Hurricane Matthew

11 households applied for aid $15K aid approved

Hampton County has had 16 natural disasters declared since 1953, most often hurricanes and severe 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. Luray 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 Luray’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Luray. 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.